The exclusive extras your private health insurance includes
Beyond superior medical cover, private insurance in Germany includes additional services that go far beyond what the public system offers. Services that make the difference in specific situations and that, in many cases, go unnoticed until you need them.
Services the public system can't offer you
Private insurance isn't just a matter of broader medical cover. It includes a layer of support services that make accessing the system easier, protect your rights and look after your health proactively. Here we explain each one.
Speed when it matters most
Finding the right doctor at the right moment can be decisive. With private insurance, you don't depend on waiting lists or on getting lucky with an appointment. Someone does it for you, in under 48 hours.
Your rights, protected
If at any point you feel you weren't properly looked after or that a medical decision wasn't the right one, you have legal backing included in your policy. At no extra cost, with no need to find it yourself.
Long-term health
Health Coaching doesn't wait until you're ill. It works with you preventively to improve your quality of life, manage chronic conditions and make better decisions about your health day to day.
Doctor search and appointment in under 48 hours
Finding the right specialist shouldn't be a task that falls on you, especially when you're unwell. That's why private insurers offer an active doctor and clinic search service: you describe what you need, and in under 48 hours they have a solution for you.
This service finds specialists near your home, selects those that best fit your specific case and, if you wish, arranges the appointment directly on your behalf. No waiting, no endless searching, no uncertainty.
In the public system, finding a specialist can take weeks. With private insurance, that process is sorted out in hours.
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✓Specialists found according to your medical situation and location
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✓Direct appointment arrangement if you prefer
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✓Response in under 48 hours from the request
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✓Available for appointments, specialists and, if needed, surgical procedures
Patient legal protection included
What happens if you receive the wrong treatment, if you weren't properly informed before a procedure, or if a medical decision caused you avoidable harm? In the public system, making a claim is a long, costly process that most people give up on. With private insurance, you have legal backing included in your policy.
Patient legal protection covers the legal costs needed to defend your rights in cases of medical negligence, malpractice or lack of information. It isn't a service you have to take out separately or a paid extra: it's included in the Smart, Pro and Max plans from day one.
It's one of those types of cover you hope never to need. But knowing it's there changes the way you deal with the healthcare system.
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✓Cover in cases of medical negligence or malpractice
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✓Legal costs covered by the policy at no extra cost
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✓Included in the Smart, Pro and Max plans from the start
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✓Specialist legal advice in healthcare law
Health Coaching: a personal coach for your health
Health Coaching is one of the services most valued by those who already have private insurance, and one of the least known before taking it out. It consists of personalised support from a health coach who works with you to improve your quality of life — not just when you're ill, but continuously and preventively.
The service is especially designed for people with chronic conditions such as type II diabetes, cardiovascular disease or pain-related complaints. The coach works with you to establish habits, manage the condition more effectively and reduce the impact of the illness on your daily life.
It isn't a medical consultation. It's human, professional support geared towards concrete results and sustained improvement over time.
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✓Personalised support with a specialist health coach
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✓Geared towards chronic conditions: diabetes, cardiovascular, pain
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✓A preventive, continuous-improvement approach, not just reactive
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✓A complement to medical treatment, not a substitute
Which plans include these extras?
All three extras are available in the plans in the comparator. Legal protection is included from the Smart plan upwards.
Doctor search in 48h
Available in all plans: Basic, Smart, Pro and Max. From the first day of your policy you can request the specialist location and appointment service.
Patient legal protection
Included in the Smart, Pro and Max plans. If you have the Basic plan and want to add this cover, we can help you weigh up a plan change without complications.
Personalised Health Coaching
Available in all plans for those who request it. Access is arranged through the insurer once the policy is active, with no additional paperwork.
All manageable from the app
All three services are accessible from the insurer's app. Requesting the coach, asking for a doctor search or checking your legal cover: all in one place.
Questions about private insurance extras
Find out which plan includes the extras that matter most to you
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Discover the rates of your private health insurance in Germany in seconds.
Want to know which extras your plan includes?
We explain in detail which additional services are available based on your profile and the plan you choose. No jargon, and in English.