Outpatient Supplement Insurance
Natural medicine, prevention and more, with no waiting period
Medication, natural medicine, travel vaccines or preventive check-ups are often not covered by public health insurance. Our outpatient supplement insurance "Mehr Gesundheit" closes these gaps with an annual budget that you choose.
Benefits of this insurance
Choose between €500, €1,000 or €2,000 annual budget depending on your needs.
Affordable plans tailored to your budget and age.
Only natural medicine treatments have a three-month waiting period; all other benefits are available immediately.
Coverage for recommended vaccinations for trips abroad.
What is covered
Natural medicine and naturopaths
Covers up to 80% of treatments by naturopaths and natural medicine performed by doctors, including associated medication.
Preventive check-ups
Reimburses 100% for check-ups such as general check-ups, cardiovascular, gynecological, cancer or dementia prevention.
Legal co-payments
Covers 100% of legal co-payments, for example for rehabilitation, medical transport or hospital admissions.
Travel vaccines
Covers recommended vaccines for travel, such as yellow fever, hepatitis, Japanese encephalitis or malaria prophylaxis.
What is not covered
Treatments already underway
Coverage generally does not apply to treatments that were already underway before taking out the insurance.
Costs above the annual budget
Expenses exceeding the chosen annual budget (€500, €1,000 or €2,000) are not reimbursed.
Real claim examples
Treatment with a naturopath
Elena undergoes several sessions with a naturopath to treat chronic migraines. The insurance covers 80% of the cost.
Vaccinations before a trip
Before a trip to Asia, Pablo gets vaccinated against hepatitis and Japanese encephalitis. The insurance reimburses the cost of the recommended vaccines.
Frequently asked questions
Which annual budget suits me?
It depends on your usual use of outpatient services; you can choose between €500, €1,000 or €2,000 depending on your needs and budget.
Is there a waiting period?
No, except for natural medicine treatments, which have a three-month waiting period. All other benefits are available from the start.
Does it cover travel vaccines?
Yes, it covers recommended vaccines for trips abroad, such as yellow fever, hepatitis, Japanese encephalitis or malaria prophylaxis.
Is it meant for publicly insured people?
Yes, it is designed as a supplement for people with public health insurance who want to cover benefits not included in it.
Want to close the gaps in your public health insurance?
Tell us what annual budget you are looking for and we will help you choose the right plan.
Request free advice