Compare supplementary plans

Compare supplementary insurance

Supplementary insurance (VVG) adds cover beyond basic insurance, hospital ward, dental, eyewear, alternative medicine, treatment abroad and more, and plans, prices and acceptance conditions vary widely between insurers. We assess your needs and compare suitable options insurer-neutral, free and with no obligation.

How the comparison works

In a few steps you answer some questions about your situation and the areas you care about. We then compare suitable supplementary plans for your needs and get back to you personally with the next steps, insurer-neutral, free and with no obligation.

What you can insure

Supplementary insurance covers hospital ward (semi-private or private, with a single room and free hospital choice), dental treatment, eyewear (glasses and contact lenses), alternative medicine, treatment abroad and fitness contributions. You combine only what you actually need.

Good to know about the VVG

Supplementary insurance falls under the Insurance Contract Act (VVG). Depending on the insurer and plan, health questions, waiting periods or reservations may apply, and the insurer decides after reviewing your application. It is best taken out while you are young and healthy.

Basic insurance is separate

This comparison is for supplementary (VVG) insurance only. For compulsory basic insurance, use our premium calculator, benefits there are identical at every insurer and only the premium differs.

Frequently asked questions

What does supplementary insurance cover?

Depending on the plan: hospital ward (semi-private/private), dental treatment, eyewear, alternative medicine, treatment abroad and fitness contributions. Benefits and prices vary by insurer.

Is there a health assessment?

Usually yes. Supplementary insurance falls under the VVG, so health questions, waiting periods or reservations may apply and the insurer decides after reviewing your application.

When should I take out supplementary insurance?

Ideally while you are young and healthy. Pre-existing conditions can lead to reservations or rejection, and some benefits (such as hospital cover before pregnancy) have waiting periods.

Is the comparison free and binding?

The comparison is free and with no obligation. It is not an insurance contract or a binding offer, whether a plan is possible is decided by the respective insurer after review.

Can I keep my basic insurance and only change supplementary cover?

Yes. Basic and supplementary insurance are independent, so you can review or change supplementary cover without touching your basic insurance.

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