In the test: Supplementary insurance for alternative practitioner treatments.
(13.10.2010) The costs for treatment by a naturopath are generally not covered by statutory health insurance. Even for measures such as acupuncture or homeopathy, statutory health insurance companies rarely pay and only small amounts. With regular involvement, alternative treatment methods can be worthwhile for the patient, a private supplementary insurance. In a current study, "Finanztest" compared 143 offers that offer corresponding supplementary insurance.
Only two additional insurances explicitly for alternative practitioner services In general, supplementary insurances with private health insurance (PKV) can pay off for those insured by law if they frequently use the appropriate treatment methods. However, this only applies to supplementary insurance in the area of alternative practitioner treatment to a very limited extent. Because of the 143 offers tested, all of them offer a subsidy for the costs of the treatments, but only two of the supplementary insurances offered are explicitly tailored to the field of alternative practitioner treatment and naturopathic treatment. In the case of the other supplementary insurance policies, the reimbursement of costs for a corresponding naturopathic treatment is part of an additional insurance package that includes other services such as the assumption of costs for dentures or glasses. Even insurers abroad would have to take out insurance from interested parties who are interested in paying for alternative practitioner treatments.
Supplementary insurance exclusively for alternative practitioner benefits is not worthwhile. Finanztest comes to the conclusion that supplementary insurance is rarely worthwhile for customers who are only concerned with alternative practitioner treatment. The insured would have to visit the alternative practitioner very regularly and incur treatment costs of several hundred euros a year so that the additional insurance would pay off for them. In such a case, however, it is doubtful whether the private health insurance companies will accept the customer at all. Because contrary to the GKV, the private insurers can choose their members and will not accept any customer in the future or demand a risk premium or completely exclude the treatment of certain illnesses from insurance coverage. Chronically ill people in particular often find it difficult to obtain appropriate insurance here. Since the additional insurance contributions for alternative practitioner treatment are hardly worthwhile for infrequent and small treatments, “Finanztest” recommends that those affected also prefer to pay their treatment costs themselves in the future. A very unpleasant finding, because although many methods and active ingredients from the field of naturopathy or alternative practitioner treatment are promising, patients have to bear the costs of such treatment themselves.
Complete service packages as an alternative? However, “Finanztest” emphasizes that for customers who want to take out additional insurance for glasses and dentures in addition to the alternative practitioner treatment, some offers are definitely worthwhile. Altogether, however, only 5 of the supplementary insurances tested offer "good" alternative practitioner services, whereby in addition to the maxi tariff of the Swiss insurance company CSS, there are three Gothaer tariffs and one of the SDK. None of the offers tested were rated "very good" for the alternative practitioner services by "Finanztest". The decisive factor was that the insurers severely restrict their benefits in various places. For example, reimbursable expenses are often limited to a certain maximum amount, and even the most generous insurance covers a maximum of 80 percent of treatment.
Insurance covers a maximum of 80 percent In a corresponding calculation model from “Finanztest”, a patient pays 900 euros for acupuncture treatment with a total of twelve sessions and is reimbursed 720 euros from the most powerful tariff, the CSS. At a second session in the same year with the same costs, the patient would only be reimbursed by his insurance company for only 80 euros, since the insurance only accepts costs of a maximum of 800 euros in twelve months. So, in spite of any health problems, those affected will consider carefully whether they are taking the appropriate naturopathic treatment.
Financial test advises to cover risks individually Customers who are less interested in alternative practitioner treatment but more interested in comprehensive dentures or exquisite glasses should, according to the recommendation of "Finanztest", cover the various risks individually to save costs. The complete supplementary insurance packages are also rarely worthwhile here. For example, customers who value first and foremost comprehensive cost coverage for dentures should take out an explicit dental supplement insurance according to the advice of "Finanztest".
Supplementary dental insurance can be worthwhile Supplementary insurance is often advantageous, particularly in the field of dentures, since the statutory health insurers mostly have to pay for numerous treatments such as implants themselves and the SHI only grants a fixed subsidy for each dental medical report. This subsidy covers part of the costs, but even with the exclusive regular care, a certain amount of the patient's own share remains. This is, for example, for the highest possible subsidy at the total cost of 250 euros for a till crown 92 euros, which the insured person has to pay himself. In any case, costs for exclusive services such as implants, which are firmly attached to the jaw instead of a removable denture, are only reimbursable to a very small extent. Here, bills of around 2,000 euros per tooth can get stuck on the patient. Therefore, dental insurance is relatively lucrative for many insured.
Benefits for eyeglass wearers often include insurance packages. Legally insured eyeglass wearers can also take out additional insurance that is explicitly tailored to their needs and, according to the "financial test", can be a useful addition to insurance protection. Because since 2004, most of those affected have been entirely responsible for the cost of their lenses themselves. Only severely visually impaired people receive a subsidy for their glasses and glasses as well as special requests, such as the anti-reflective coating of the glasses, patients have had to pay out of their own pocket anyway. Since almost 62 percent of adults in Germany, according to a study by the Allensbach survey institute, wear glasses, many of the complete supplementary insurance packages also offer corresponding benefits for glasses. Here, "Finanztest" also identified some "good" offers among the tested supplementary insurance. However, all insurance companies require a corresponding premium surcharge from new customers who are already wearing glasses.
No false information when concluding the contract “Financial test” also warns against providing false health information when making the application, because the insurance coverage expires as soon as the insurance company learns of it. Since the customers release their doctors and therapists from other health care professions from the obligation to maintain confidentiality when the application is made and the insurance companies can easily research them, the likelihood that a possible dizziness will be noticed is also quite high. It also doesn't help much to take out additional insurance just before treatment, since the insured have to wait three months before they can claim benefits for the first time (even eight months for dentures).