Insurance Products
Private Health Insurance
Private health insurance covers inpatient and outpatient treatment across a wide contracted network independently of SGK — the most comprehensive individual health protection available.
At a glance
- Status
- Optional
- Core cover
- 5 sections
- Quote turnaround
- Same business day
Private health insurance differs from complementary cover in two ways: SGK membership is not required, and the contracted network is far wider. Depending on the plan, international treatment, university hospitals and premium private facilities can be included. In exchange, premiums are considerably higher than for complementary cover.
Plans are built around a hospital network and a payment ratio. Combinations such as narrow network with 100% payment, or wide network with 80% payment, directly shape the premium. Choosing a deductible or capped outpatient usage is an effective way to optimise cost.
Lifetime renewal guarantee is the most valuable feature of private health insurance. Once certain conditions are met, the insurer undertakes to renew the policy despite conditions that develop later. The terms and the qualifying year vary between insurers, so this clause deserves as much attention as the price.
What Is Covered
- Inpatient treatment
- Covers surgery, intensive care, accommodation, medical materials, chemotherapy and radiotherapy.
- Outpatient treatment
- Covers consultations, tests, imaging, physiotherapy and medication within plan limits.
- Maternity and newborn
- Covers delivery costs after the waiting period plus newborn care expenses.
- International treatment (optional)
- Selected plans provide access to contracted institutions abroad.
- Check-up and preventive care
- Includes annual check-up packages, vaccinations and screening programmes.
Who Is It For?
- Individuals outside SGK cover or wanting a wide hospital network
- Those managing chronic conditions at private institutions
- Families seeking comprehensive cover under one policy
- Professionals who need international health cover
What Is Not Covered
- Pre-existing conditions and congenital anomalies
- Cosmetic and aesthetic surgical procedures
- Addiction treatment and certain psychiatric admissions
- Experimental treatments and unlicensed medication
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Age, gender and underwriting outcome of the health declaration
- Chosen hospital network and payment percentage
- Outpatient limit, deductible and co-payment preferences
- Whether international and maternity cover are included
Frequently Asked Questions
What is a lifetime renewal guarantee?
A commitment by the insurer to renew your policy every year despite conditions that arise later, once qualifying criteria are met.
Is private health insurance worthwhile if I have SGK?
Yes if you want a wide network and international cover. If you only need to cover hospital shortfalls, complementary health is more economical.
Can I choose a plan without outpatient cover?
Yes. Inpatient-only plans deliver significant savings while still protecting against major risks.
Why does my premium rise at renewal?
Moving into a new age band, medical inflation and your claims usage in the previous year are the main drivers.