Supplementary Health InsuranceGermany 2026 - Compare Plans
Your public health insurance covers the basics, but not everything. Compare add-on plans that fill the gaps, from dental to private hospital rooms.
If you have public health insurance in Germany (GKV), you probably already noticed the gaps. The statutory fund covers about 95% of medical services, but the remaining 5% can get expensive fast. A single dental implant costs 2,000-3,500 EUR out of pocket. A private hospital room? Around 100-150 EUR per night extra.
Supplementary health insurance (German: Krankenzusatzversicherung) fills exactly these gaps. You keep your GKV membership and add coverage for things like dental work, chief physician treatment, alternative medicine, or better vision care. Around 27 million people in Germany carry at least one supplementary policy (Source: PKV-Verband, 2025).
The comparison tool below shows plans from German insurers. Enter your details to see personalized offers with actual prices. Takes about 2 minutes. If you are looking for full private health insurance instead, check our health insurance comparison (GKV vs PKV). For those over 55 considering full private health insurance, compare PKV senior tariffs designed for this age group. Looking for full private coverage instead of add-on plans? Compare PKV plans comprehensively to find a complete private health insurance tariff that replaces your GKV entirely.
Compare Supplementary Health Insurance Plans
Enter your details to see personalized offers from German insurers
What Does Supplementary Insurance Cover?
Public health insurance (GKV) vs. GKV with supplementary coverage
Coverage levels vary by insurer and tariff. Use the comparison tool above for exact plan details.
Types of Supplementary Health Insurance in Germany
Pick the coverage that matches what you actually need
Dental insurance
Crowns, implants, bridges, professional teeth cleaning. GKV only covers 50-65% of standard dental work.
From 8-15 EUR/month
Hospital supplement
Chief physician treatment, single room, free choice of hospital. Matters most for planned surgeries.
From 20-50 EUR/month
Alternative medicine
Acupuncture, osteopathy, naturopathy, homeopathy. GKV reimburses almost none of this.
From 10-25 EUR/month
Vision and prevention
Glasses, contact lenses, extended preventive exams. Adults get almost no GKV coverage for vision aids.
Often bundled with dental
Why add supplementary coverage to your GKV?
Why add supplementary coverage to your GKV?
Lower out-of-pocket costs
A dental implant costs 2,000-3,500 EUR. With supplementary insurance, you pay a fraction of that.
Choose your own doctor
Access to specialists and private practitioners. No more waiting months for an appointment.
Better hospital care
Chief physician treatment and a private room make a real difference during longer stays.
Lock in low rates
Premiums depend on age at enrollment. A 25-year-old pays roughly half of what a 40-year-old pays.
Tax deductible
Premiums can be deducted as special expenses (Sonderausgaben) in your annual tax return.
Combine policies
Mix dental from one insurer with hospital from another. Or choose a bundled package, often 10-20% cheaper.
How to Pick the Right Plan
Figure out what you actually need
Start with dental if you have older fillings or expect crowns. Add hospital coverage if you want a private room for planned procedures. Most people do not need all four types at once.
Compare reimbursement levels
A plan that covers 70% of dental costs is cheaper but leaves you with bigger bills. Plans covering 90-100% cost more monthly but protect you when it counts. Check what the maximum annual payout is.
Check waiting periods and health questions
Most dental plans won't pay for implants until 8 months after enrollment. Answer health questions honestly, because false information can void your coverage later. If you need treatment soon, look for tariffs with shorter or no waiting periods.
Use the comparison tool
Enter your age, coverage preferences, and health details above to see actual prices from German insurers. The tool is free and you are not committing to anything by comparing.
Common Questions About Supplementary Health Insurance
What expats and foreigners in Germany want to know
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