Supplementary cover · Hospital
GKV covers medically necessary hospital care. Hospital supplementary insurance can add agreed accommodation, privately billed medical treatment and other elective services.
General hospital services provide necessary treatment. Additional preferences, such as particular accommodation or private medical services, usually have to be paid personally without a suitable policy.
Depending on the policy, the following may be fully or partly insured:
Medically necessary treatment remains available without supplementary insurance. The policy primarily concerns voluntary elective services.
For a planned operation, GKV covers general medically necessary hospital services. A suitable supplementary policy may add the agreed single room and privately billed treatment within its hospital and fee limits.
Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.We compare the desired elective services with the actual hospital, fee and exclusion rules.
Accommodation, doctor choice and hospital choice are recorded separately.
Approved hospitals, private clinics and special institutions are checked against the policy.
Limits under the German Medical Fee Schedule (Gebührenordnung für Ärzte, GOÄ) and other fee restrictions are explained clearly.
Relevant details are prepared completely and truthfully.
Premium and benefit are also compared with possible self-funding.
For inpatient treatment, we help with the contractual coordination route.
Hospital comfort, outpatient treatment and travel abroad each follow separate conditions.
The specifically agreed policy is always decisive.
Yes. General medically necessary hospital services are covered. A medically necessary single room or special treatment is not a voluntary elective service.
Depending on the policy: single or twin room, privately billed medical treatment and broader hospital or private-clinic choice.
No. Many policies attach conditions to reimbursement, and medical fees may be limited.
The next page explains the cost-reimbursement procedure, possible outpatient extras and remaining cost risks.
General information, last updated 31 August 2026. Descriptions of typical benefits are not a guarantee of cover or payment. The application, policy schedule, conditions and specific elective-services agreement are decisive.
