The best private insurance 2022

Ward in Bad Berka Hospital

Private patients want the best treatment and comfort.

(Photo: dpa)

Dusseldorf The corona pandemic has also accelerated digitization in the health sector. In the last two years consultation hours have been established by phone or video. This saves time for patients and practices. An increasing number of apps help patients deal with illnesses in everyday life. Customers can communicate with their health insurance company through apps. For example, sick leave or applications can be sent to the health insurance company by scanning.

Private health insurance companies are seen as pioneers in innovative services in the health sector. As a general rule, they include new procedures or medications in their list of services before mandatory health insurance companies. People can join private health insurance if they earn more than 64,350 euros a year as an employee, are self-employed or as civil servants and need complementary private health insurance to help. Unlike mandatory health insurance companies, where the service catalog is fixed, people with private insurance can choose their own services.

“Anyone who decides on private health insurance should think carefully about what is important to them and what services they want to insure,” recommends Bianca Boss from the Association of Insured Persons. Private health insurance premiums are calculated regardless of income. They depend on age, health status and scope of benefits. “Unlike compulsory health insurance, private health insurance cannot reduce contractually agreed services if health care costs rise,” says Boss, noting an important difference.

Benefits and premiums between individual insurers’ rates vary widely. Therefore, anyone interested in private health insurance should obtain several offers and compare them carefully. Specialist brokers and fee-based consultants assist clients in their search for a rate that is right for them.

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The Franke Bornberg rating agency for the Handelsblatt evaluates private comprehensive health insurance and benefit rates. To make the rates comparable, the rating agency has divided the comprehensive insurance offers into the categories of basic protection, standard protection and maximum protection. “Basic protection offers protection at the level of statutory health insurance,” says Michael Franke, CEO of Franke and Bornberg.

The standard rate offers treatment in a two-bed room and, for example, 60 percent of the cost of dentures is covered. All results can be found on the graph.

Maximum protection: first-class medicine plus comfort

Superior protection offers medicine at the highest level, along with comfort. Treatment by the head doctor and a bed room in the hospital are part of the range of services. The assumption of at least 80 percent of the cost of the dentures is also one of the criteria. Ten of the 25 tariffs received the highest rating of very good. But that comes at a price: The monthly premium for a rate with maximum protection that has been rated as very good is between EUR 560.27 and EUR 727.94 in the example of a 35-year-old person.

Among the rates with maximum protection, Arag Krankenversicherung achieves the best result with its “MedBest” rate with 96 out of 100 possible points. The monthly premium is 560.27 euros. This is the second cheapest offer ever. Benefits include full assumption of costs for private hospital and outpatient treatment.

The MedBest rate covers 90 percent of the cost of dental treatment. Orthodontic treatment in adulthood is also included. Treatment by a naturopath is also one of the benefits. Policyholders can flexibly choose between deductible levels between zero and 1,500 euros per year.

“Arag Krankenversicherung attaches particular importance to the promotion of family-related services,” says Roland Schäfer, member of the Arag Krankenversicherung board of directors. Schäfer cites digital childbirth preparation courses as an example. The contribution exemption of up to six months for parents receiving parental benefit is part of the catalog of benefits.

One of the best rates in the area of ​​private comprehensive health insurance with maximum protection is Hallesche Krankenversicherung with its “NK Select XL Bonus” rate. Here, the monthly premium for a 35-year-old newcomer is 641.83 euros per month. The insurance covers the full costs of dental treatment and prophylaxis. In the case of dental prosthetics, it is 90 percent of the total costs. Many medical checkups and immunizations don’t count toward the deductible. The new benefits of the rate are family and household help of up to 150 euros a day.

Help Rates: Private Treatment for Officials

Civil servants need complementary private health insurance to supplement the allowance. Because it does not cover the full cost of medical treatment. A total of nine subsidy rates received the highest rating of very good. Civil servants receive private treatment in hospital and on an outpatient basis. “We offer our customers added value that goes far beyond mere cost reimbursement,” says Eric Bussert, HanseMerkur Sales and Marketing Director. Their rates receive the highest rating of very good.

New services are becoming more popular: “We focus primarily on digital innovations that make medical and technical progress usable,” says Bussert. At the same time, offers for prevention are becoming more and more important. For example, HanseMerkur offers an app for stroke prevention. Chronic diseases can also be better treated with the help of apps.

An example of this is a digital blood pressure trainer. Cooperation with other companies plays an important role in innovations: “To do this, we work closely with start-ups from the health sector,” emphasizes Bussert.

The environment for private comprehensive health insurance is changing: “We are seeing a shift from being a mere reimburser to a health care provider that provides clients with comprehensive care for every life situation,” says Wiltrud Pekarek, director of Hallesche Krankenversicherung. Customers are increasingly demanding and require comprehensive support for all health-related issues. “They transfer experiences from other areas to health insurance,” she adds.

Another trend is digitization. Hybrid models are on the rise, combining digital and personal offerings. For example, the Hallesche Krankenversicherung offers the option to be cared for personally by a trainer, digitally by an app, or for a combination of diabetes conditions. “In this way we create a balance between digital offers and personal contact, according to the wishes of the customer,” says Pekarek.

Basically, the topic of transparency and value will play an increasingly important role in the future, says Roland Schäfer of Arag Krankenversicherung. “Cheap rates with large performance lags, which used to be common in the industry to attract new customers, have now almost completely disappeared from the market.” This is also due to the increased transparency of offers, which has been increased through comparison programs. and personalized advice.

Customers are increasingly demanding. Today it is about taking care of them at all times and with all the concerns regarding health. It is important to accompany clients in a more individual and personal way. Schäfer is convinced that it is important that the data and information requested by customers is available at all times: “In the coming years, this will result in significant electronic personal files and customer-specific services.”

Plus: The best complementary insurance for those with mandatory health insurance

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