Limited nature of public health insurance
The public health insurance system offers everyone living and working in Germany a decent standard of healthcare. It ensures you receive treatment if your life is in danger. It also includes a series of preventive medical check-ups to identify common diseases, such as skin cancer and glaucoma – though these are covered by private insurance providers, too.
Book V of the German Social Code (Sozialgesetzbuch V, or SGB V for short) sets down the minimum coverage that public health insurance providers must provide by law. However, insurance providers (Krankenkassen) in the public insurance system do not typically go far beyond the legal minimum. Some may specialize in certain areas or vary their coverage to differentiate themselves, but the basic scope of coverage remains similar.
As a result, many public health insurance providers offer little or no coverage for dental treatments or psychotherapy.
Types of top-up insurance
Insurance providers offer top-up or additional insurance policies to cover the gaps in public health insurance. Common top-up insurances include:
- Additional dental insurance
- Additional hospitalization insurance
- Additional loss of earnings protection
- Additional health insurance for overseas travel
Benefits of choosing ottonova
ottonova is Germany’s first fully digital health insurance provider. In addition to our innovative and modern approach to healthcare and communication, we also offers outstanding insurance coverage.