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Insurance review

Health · Add selected benefits

Supplementary health insurance: add to GKV, do not replace it.

Private supplementary policies can add individual benefits to German statutory health insurance, such as dental treatment, hospital options, outpatient extras or cover abroad. They do not turn GKV membership into comprehensive private health insurance.

Review supplementary cover Explore the modules
GKV remains in placeSeparate modulesPolicy limits

Why does supplementary cover exist?

GKV provides broad statutory care, but it does not meet every preference or reimburse every private bill. A supplementary policy can cover a clearly defined additional area.

What it can do

  • Add agreed benefits for dental treatment and dentures.
  • Add agreed hospital accommodation or privately billed medical treatment.
  • Cover selected outpatient services or reimbursement gaps.
  • Cover medically necessary treatment and medical repatriation abroad, depending on the policy.
  • Daily sickness allowance insurance and supplementary long-term care insurance are separate products with their own conditions; they are not benefits of a dental, outpatient or hospital policy.

What it does not do

  • It does not replace compulsory health insurance.
  • It does not turn GKV into comprehensive private health insurance.
  • It does not automatically pay every private invoice.
  • It does not remove exclusions, waiting periods, benefit scales or maximum amounts.

Separate policies for separate needs.

Each module is a stand-alone policy with its own application, conditions, premium and limits.

Teeth

Dental insurance

Can add benefits for dental treatment, dentures and professional cleaning.

Understand dental cover →Hospital

Hospital supplementary insurance

Can add agreed room and privately billed treatment options.

Understand hospital cover →Outpatient care

Outpatient supplementary insurance

Can add selected outpatient benefits or reimbursement of private invoices.

Understand outpatient cover →Travel

Travel health insurance

Can cover treatment costs and medical repatriation abroad within policy limits.

Understand travel cover →

Who may want to review a module?

The relevant question is which benefit gap matters, not how many extras a policy advertises.

Possible target groups

  • People in GKV who want clearly defined extra dental, hospital or outpatient benefits.
  • Families considering an individual policy for each person.
  • Travellers who need cover beyond the GKV framework abroad.
  • Employees or self-employed people reviewing an income gap during illness.
  • People who want to prepare for remaining costs in long-term care.

Important limits

  • Known or recommended treatment may be excluded.
  • Health questions, waiting periods and benefit scales vary by policy.
  • Maximum amounts, percentages, fee-schedule limits and deductibles may apply.
  • Premiums can change; every insured person generally needs their own policy.
Illustrative example

Two wishes, two separate modules.

A person in GKV wants additional cover for higher-quality dentures and a single room in hospital. Two separate supplementary policies with different health questions, premiums and limits can be examined. The person remains insured in GKV.

Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.

How MB Finance supports you.

We start with the existing statutory cover and a clearly defined need before comparing policies.

Review GKV benefits

Statutory benefits, any additional benefits offered by the statutory health insurer and any optional-plan benefits are considered first.

Define the gap

The desired additional benefit is described precisely.

Read conditions

Waiting periods, scales, exclusions and limits are compared clearly.

Prepare health information

Required information is organised completely and truthfully.

Put price in context

Premium, scope of benefits and long-term effect are considered together.

Support the policy

MB Finance remains available for later questions and claims processes.

Frequently asked questions about supplementary cover.

The exact scope is always determined by the selected policy.

Does GKV become PKV?

No. GKV remains in place. The private policy only adds agreed benefits and is not comprehensive private health insurance.

Are there health questions?

Many policies ask them. Exceptions may exist, for example for certain travel policies. All answers must be complete and truthful.

Are children automatically covered?

No. There is generally no automatic family cover. Each person needs a policy or explicit inclusion.

First supplementary module

Start with dental insurance.

The next page explains statutory fixed subsidies, reimbursement percentages, benefit scales and typical limits for dental cover.

Continue to dental insurance Back to health insurance

Sources and general notice

General information, last updated 31 August 2026. Descriptions of typical benefits are not a guarantee of cover or payment. The application, policy schedule and conditions are decisive.