Supplementary Health
A lower-cost health policy designed to cover the extra fees at private hospitals that work with public coverage.
What is Supplementary Health and how does it work?
Supplementary health insurance is designed for people covered by public insurance (SGK) to pay the extra fees they would otherwise owe when treated at private hospitals that have an agreement with SGK. Its scope is narrower than private health insurance and the premium is usually lower.
Which hospitals apply, how much of the extra fee is covered and the annual limits vary by insurer. That is why checking the hospital list and limits is the most important step when choosing a supplementary policy.
Who is it for?
It suits people who keep using SGK coverage but do not want extra fees to put them off private hospitals, and families who want to keep the budget low.
Who it suits and what to watch
Supplementary health insurance is an economical option for people covered by SGK who want to be treated at private hospitals. The premium is lower than private health insurance; in return the cover and the hospital list are narrower.
When choosing, check whether the hospitals you want are on the list, what the annual limits or number of treatments are, and which treatments are excluded. If your budget allows, moving to a private health policy later is possible; ask about the conditions of that move in advance.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- Extra fees at contracted private hospitals
- Inpatient and some outpatient care, depending on the policy
- Lower premium, with a narrower hospital list
What to look at when choosing
- The list of contracted hospitals
- Limits on the extra fees
- How it differs from private health insurance
Frequently asked questions
Is supplementary health insurance valid at every private hospital?
No. It applies only at hospitals contracted with the insurer that issued the policy. Before buying, check that the hospitals you visit are on the list.
Can I take out this policy without SGK?
Supplementary cover works on top of SGK coverage, so it usually requires you to be covered by SGK. We can look at suitable options for your situation together.
Which treatments are covered?
Depending on the policy, inpatient treatment and some outpatient care are covered. Cover and limits differ by insurer, so the cover table should be read line by line.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.