Supplementary hospital insurance

For greater comfort and extra services in hospital

Is a comfortable room and treatment by a chief physician important to you? Then SBK-MedKlinik, ARAG's new supplementary hospital insurance, may be right for you – high-performance, family-friendly, and flexible.

Ein junger Mann liegt im Bett im Krankenhaus und hat Besuch von seiner Freundin.

Supplementary hospital insurance – your benefits

Hospital rates from our partner ARAG at special preferential conditions

Reimbursement above the maximum limit

Free choice of clinic throughout Germany

For childbirth, you can use a family room and rooming-in for children up to 12 years of age

If you waive certain insured benefits during a hospital stay, ARAG will reimburse you with a daily hospital allowance instead

This is what supplementary hospital insurance covers

You receive both hospital tariffs from our partner ARAG at special SBK preferential rates, which are more affordable than market rates.

You have immediate insurance coverage – no waiting period. (There is no insurance coverage for recommended or planned treatments or treatments that have already begun. For childbirth and loss of earnings during the protection periods of the Maternity Protection Act and on the day of childbirth, there is a waiting period of eight months.)

You will receive reimbursement above the maximum limit.

You are free to choose your clinic anywhere in Germany.

For childbirth, you can use a family room and rooming-in for children up to 12 years of age. (With the twin room rates, you will receive reimbursement equal to the cost of accommodation in a twin room.)

You can switch from the 2-bed to the 1-bed rate – without risk assessment and waiting periods at the end of the second and fifth insurance years.

A switch from SBK-MedKlinik S to SBK-MedKlinik L is possible at any time.

If you waive certain insured benefits during a hospital stay, ARAG will reimburse you with a daily hospital allowance instead.

Online rate conclusion will be available again soon. You can find the rates with SBK discount here

You are also welcome to contact the ARAG Premium Team at 089 4124-8220.

You can choose from four different rates:

SBK-MedKlinik 2-bed L: Accommodation in a twin room with treatment by the chief physician with age provision

SBK-MedKlinik 1-bed L: Accommodation in a single room with treatment by the chief physician with age provision

SBK-MedKlinik 2-bed S: Accommodation in a twin room with treatment by the chief physician without age provision

SBK-MedKlinik 1-bed S: Accommodation in a single room with treatment by the chief physician without age provision

What is the difference between the S and L tariffs?

With the S rates, you pay a low premium when you are young because these rates do not include so-called age provisions. (Age provisions are savings for old age. They are formed by a higher initial premium and are used for health services in later years.) With these rates, the premiums are then adjusted on your 31st birthday. On your 45th birthday, the S tariff is then automatically converted to the respective L tariff – without any new risk assessment or waiting periods.

With the L tariffs with old-age provisions, the premiums increase on your 16th and 21st birthdays. There are then no further premium increases due to age.

The S rate is particularly advantageous for young people. They can benefit from the additional services even with a low premium.

Why is private supplementary insurance for hospital care particularly worthwhile for young people?

With both rates, you receive extra benefits for families at particularly low premiums: If you are insured under this rate as a mother, you will receive a family room during childbirth. (In the twin room rates, reimbursement is equal to the cost of accommodation in a twin room.)

You also receive rooming-in for children up to the age of 12 if they are insured under this tariff. You pay the low premium if you opt for the S tariffs. There is no age provision with these tariffs.

Let us advise you

Just give us a call or send us an email – the ARAG Premium Team will be happy to answer any questions you may have about supplementary insurance.

Phone: 089 4124-8220

Email: sbk-vertrag@ARAG.de

Supplementary hospital insurance

What is the difference between the S and L tariffs?

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