Supplementary health insurance: You really need this additional insurance

Dentist, care, private visits: There are many insurance policies that protect you even better and more securely. They’re just not always worth it. Almost always one though.

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Article summary

The market for private supplementary health insurance is constantly growing, but is it really worth it? Many plans have waiting times and health checks that can cause problems. Consumers should pay particular attention to supplementary dental insurance, as cheap offers are often not sufficient. Supplementary hospital insurance and daily sick pay should also be viewed critically, as not every need is covered. International travel health insurance, on the other hand, almost always makes sense in order to avoid high costs in the event of illness abroad.

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If you decide to take out additional dental insurance, you should make sure that it covers dentures and other treatments such as bone reconstruction.
© Felix Burchardt/ZEIT ONLINE

The chief physician comes for a private visit in a single room – even though you don’t have private insurance. The additional insurance also pays for the perfect teeth from the dental clinic. With the right supplementary health insurance, you can protect yourself without worry, the providers promise.

In fact, the market for private supplementary health insurance continues to grow. The demand is particularly high: According to the Association of Private Temptation of the Sick the number of additional insurance contracts rose by 2.2 percent to 31.98 million in 2025. The range is correspondingly wide. The German analysis and rating house for the insurance industry Morgen & Morgen took into account There are 148 tariffs in the current rating for private supplementary health insurance.