Private and complementary health insurance covers the treatment costs arising from illness or accident, within the policy's limits and terms; it includes inpatient and outpatient care and eases your access to private hospitals.
Choose a policy type; see an approximate monthly/annual premium range based on your age and coverage.
Complementary (TSS) requires active SGK coverage; it is an affordable option that complements your SGK.
Why is the result only an estimate? The amount here is calculated from average assumptions to give a rough idea; the actual premium and coverage vary depending on the following factors:
For an exact figure tailored to you, fill in the quote form below or contact our expert advisor.
This calculation is not a sales or investment commitment; it is for informational purposes only.
Health is the one thing that cannot wait. The right health plan lets you focus on the best treatment without worrying about where to go or what comes out of your pocket. Private/complementary health insurance does not replace the public General Health Insurance (GSS); it adds extra cover on top of it. Individual or family, complementary or full cover — we choose the plan that best fits your budget and expectations together, in plain language.
Both products give you access to private hospitals; the differences come down to your budget, your SGK status and the coverage you expect. With both, treatment is valid within the insurer's network of contracted hospitals; add-ons such as maternity cover vary by plan. The comparison below helps you decide.
Lets people with SGK get treated at SGK-contracted private hospitals without paying the price difference; it complements your SGK. It is the affordable option.
Best for: those who actively use their SGK and want budget-friendly private hospital access.
Comprehensive insurance covering inpatient and outpatient treatment within policy limits, independent of SGK; it offers a wide hospital network, high limits and optional add-ons (maternity, dental, abroad).
Best for: those who want a wide network, upper-tier hospitals, high limits or abroad coverage.
| Criterion | Complementary (TSS) | Private (ÖSS) |
|---|---|---|
| SGK requirement | Required (active SGK) | Not required |
| Eligible hospitals | Only SGK-contracted private hospitals | All contracted private hospitals, with or without SGK (wider network) |
| Abroad coverage | None | Can be added optionally |
| Payment at the hospital | Only the statutory examination co-payment | Depends on the policy (e.g. 20% of the bill as co-payment) |
| Add-ons (maternity/dental/check-up) | Limited | Extensive |
| Coverage limit | Limited to the SGK framework | High (some policies near unlimited) |
| Premium / price | Affordable | Higher |
We choose the right plan together based on individual or family coverage, your budget and expectations.
We explain limits, waiting periods and exclusions in plain language; all of these vary by the policy's general and special terms.
See every offer from a single point, without browsing site by site.
Getting a quote is completely free; we charge you nothing for our advice.
After the policy, we handle communication with the insurer on your behalf.
Fill in the free quote form in minutes; we'll get back to you with the most suitable policy.
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