1. Allianz
Allianz is one of the largest providers of private health insurance in Germany, offering a variety of plans for individuals, families, and businesses.
Types of plans:
- Vollversicherung (full coverage): This is the most comprehensive type of plan, covering all medically necessary treatment, including hospital stays, doctor visits, and prescription drugs.
- Zusatzversicherung (supplementary insurance): This type of plan is designed to supplement statutory health insurance, covering costs that are not covered by the statutory scheme, such as private hospital rooms, dental treatment, and alternative therapies.
- Pflegezusatzversicherung (long-term care insurance): This type of plan covers the costs of long-term care, such as nursing home care or home care.
Benefits of Allianz private health insurance:
- Wide range of plans to choose from: Allianz offers a variety of plans to suit different needs and budgets.
- High level of coverage: Allianz plans typically offer a high level of coverage, including coverage for expensive treatments and procedures.
- Fast access to treatment: With Allianz private health insurance, you can usually get an appointment with a specialist much sooner than you would with statutory health insurance.
- Choice of doctors and hospitals: You can choose any doctor or hospital that is part of the Allianz network.
- No co-payments: You do not have to pay any co-payments for covered services.
2. AXA
AXA is another major player in the German private health insurance market, offering a variety of plans for individuals, families, and businesses.
Types of plans:
- Vollversicherung (full coverage): Similar to Allianz, AXA’s Vollversicherung plans cover all medically necessary treatment, including hospital stays, doctor visits, and prescription drugs.
- Zusatzversicherung (supplementary insurance): These plans complement statutory health insurance by covering costs not included in the basic scheme, like private hospital rooms, enhanced dental care, and alternative therapies.
- Pflegezusatzversicherung (long-term care insurance): AXA also provides plans for long-term care, ensuring financial support for nursing home stays or home care assistance.
Benefits of AXA private health insurance:
- Diverse plan options: AXA caters to various needs and budgets with a range of plans, from basic to premium coverage.
- High coverage level: Their plans generally offer comprehensive coverage, including expensive treatments and procedures.
- Faster access to care: With AXA private insurance, you often experience shorter waiting times for specialist appointments compared to the public system.
- Doctor and hospital choice: You have the freedom to choose any doctor or hospital within your network.
- No co-payments: Covered services typically require no additional out-of-pocket payments.
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