What is Individual Health Insurance?
Individual health insurance is taken out by a person for themselves and their family, covering inpatient and outpatient treatment costs arising from illness or accident within policy limits. There are two main options: private health insurance, and complementary health insurance (TSS) that works alongside the Social Security Institution (SGK).
Private health insurance covers inpatient and outpatient treatment costs across a wide network of contracted hospitals, independent of SGK. Complementary health insurance covers the extra fees that SGK-insured people pay at private hospitals contracted with SGK, at a lower premium.
The premium depends on age, gender, health status, the selected hospital network and the scope of cover. Pre-existing conditions are assessed through a health declaration before the policy starts; continuously renewed policies may offer benefits such as a lifetime renewal guarantee. We compare plans from different insurers for you and explain hospital networks and cover in plain language.
What is covered?
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Inpatient treatment
Surgery, intensive care, room and companion, chemotherapy, radiotherapy and dialysis costs.
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Outpatient treatment
Doctor visits, tests, imaging, medication and physiotherapy (depending on plan).
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Complementary health (TSS)
Extra fees paid at private hospitals contracted with SGK.
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Maternity
Normal and caesarean delivery costs (subject to waiting period and plan).
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Emergencies
Ambulance services and emergency care costs.
Optional extensions
- Check-up
- Dental treatment
- Eye care and glasses
- Treatment abroad
- Family members (spouse and children)
Who is it for?
- Anyone wanting private health cover for themselves and their family
- Self-employed professionals and company partners
- Employees wishing to extend the cover provided by their employer
- SGK-insured people wanting to avoid private hospital extra fees (TSS)
Information needed for a quote
Sharing the following information lets us obtain fast and accurate quotes from several insurers.
- Date of birth and gender of each person to be insured
- Health declaration (pre-existing conditions)
- Preferred hospital network and plan type (private / complementary)
- Current health policy (if any, for transfer rights)
Frequently asked questions
What is the difference between private and complementary health insurance?
Private health insurance is independent of SGK and offers a wider hospital network and cover. Complementary health insurance is only for SGK-insured people; it covers extra fees at private hospitals contracted with SGK and has a lower premium.
Are my pre-existing conditions covered?
In individual policies, pre-existing conditions are assessed through the health declaration; they may be excluded or accepted with an additional premium. Conditions are generally more flexible in corporate (group) policies.
What is a waiting period?
For maternity and some treatments, a certain period must pass after the policy starts. Waiting periods vary by insurer and plan.
Can I move from my company's group health policy to an individual policy?
Yes. Many insurers allow people leaving a group policy to switch to an individual policy under certain conditions while keeping their acquired rights.
Scope of cover and limits are determined by the general and special conditions of the issuing insurer.