Save money on health insurance in a meaningful way
Healthcare costs are constantly rising, and many people are looking for ways to save money on their health insurance. But how exactly does that work, where is it useful and where is it less so?
Saving on basic insurance
Basic insurance covers legally required health services. Although the scope of services is standardized, there are various insurance models that differ primarily in the first point of contact for health problems. The prices can vary greatly.
Telemedicine and online pharmacy:
A 24/7 telephone advice center always serves as the first point of contact for health problems. In addition, medication can be delivered to your home postage-free.
Group practice / health center (HMO):
Customers choose a health center of their choice as their first point of contact. Doctors and specialists are available within the center.
Family doctor model:
With this model, you are free to choose a family doctor who acts as the first point of contact and, if necessary, makes referrals to specialists.
Family doctor and telemedicine:
In the combined model, you can choose either the family doctor or a 24/7 telephone medical consultation as your first point of contact, depending on your needs.
Free choice of doctor:
With this model, you have free choice of doctor at all times and direct access to specialists.
So if you don’t have any special requirements for the first point of contact for health problems, then it is worth relying on telemedicine. These are often significantly cheaper than the other models.
Saving on supplementary insurance
There are various supplementary insurance options available with different benefits. These extend the benefits provided by basic insurance. For example, KPT health insurance offers two attractive supplementary insurance options:
Nursing Plus:
This supplementary insurance optimally complements basic insurance. It offers extended coverage for medication, transport and rescue services, and health check-ups. In addition, contributions for visual aids and much more are reimbursed.
Comfort:
This insurance extends the benefits of Nursing Plus to include complementary medicine services.
Taking out supplementary insurance is voluntary, but highly recommended. If health problems occur before the insurance is taken out, an insurance company may refuse to cover you. This can also be the case for policyholders with advanced age. Supplementary insurance is therefore an investment in the future and careful consideration should be given to whether savings are made here.
Price comparison and advice
The costs for basic and supplementary insurance can vary depending on the health insurer. It is quite possible to take out basic insurance with one provider and supplementary insurance with another in order to combine two favorable offers. In the event of a claim, however, it can often be tedious as it has to be clarified which health insurance company will cover the claim.
So there are various ways to save money on health insurance in a meaningful way. Choosing the right insurance model for basic insurance and adding a suitable supplementary insurance can both protect your wallet and optimize your insurance cover. In order to find the best individual solution, it is advisable to seek comprehensive advice on health insurance from our experts.
VAG simply 