Health cover? It's a family affair
One of the greatest advantages of statutory health insurance over private insurance is the free cover offered to family members.
Free cover for family members
Cover your partner and children for free if their income is below a certain level. What’s more, they are entitled to the same range of benefits and services . With private health insurance, on the other hand, each family member requires a separate policy and has to pay their own premium.
Comprehensive coverage
Statutory health insurance covers a wide range of standardised and regulated medical services, including preventive care, hospital stays, and outpatient treatments. Under the statutory system, no health check-ups are necessary before becoming a member. This ensures that families have access to the necessary healthcare without worrying about coverage gaps.
With private cover, the range of services you can access depends on the plan you have chosen. What’s more, private insurers may impose risk surcharges or exclude coverage for certain pre-existing conditions.
Simplicity and accessibility
Statutory health insurance is straightforward and accessible. The system is designed to be user-friendly. All you have to do when you go to the doctor or hospital is present your eHealth card . Billing is handled directly with the service provider. Families can easily navigate the healthcare system without dealing with complex insurance policies and claims.