Health
Useful information about Health Insurance
Health Insurance can be arranged for individuals, families and companies. The goal is to make health services more accessible while building a sustainable benefit structure.
Age information, number of employees, preferred hospital network, coverage expectations and budget are reviewed together. This helps create a plan that is clear and manageable at renewal.
During medical processes, understanding network rules, approvals and policy limits avoids confusion. We support customers in reading coverage details and preparing necessary information.
Complementary Health Insurance
Complementary Health Insurance (TSS) works together with SGK. At contracted private hospitals SGK covers part of the cost and the policy covers the rest — giving you private healthcare access at a far lower premium than full private cover.
Because SGK carries part of the risk, premiums are considerably lower and acceptance is often easier. The trade-off is that you use SGK-contracted providers within the insurer's network.
What is typically covered?
- Inpatient treatment at private hospitals contracted with SGK
- Outpatient examinations, tests and imaging within the network
- Significantly lower premiums than full private health cover
- Simple access without large out-of-pocket payments
- Optional maternity and additional benefit packages
Who is it for?
People who have SGK and want faster, more comfortable access to private hospitals without paying full private premiums. It is one of the most cost-effective ways to upgrade everyday healthcare.
Private Health Insurance
Private Health Insurance offers the widest access: broad hospital networks, higher limits and cover that does not depend on SGK. It suits those who want comprehensive protection and the freedom to choose their doctor and hospital.
Plans range from inpatient-only to full inpatient and outpatient cover, with optional dental, optical and maternity add-ons. Age, medical history and chosen network shape the premium, so comparing renewal guarantees matters as much as the first-year price.
What is typically covered?
- Inpatient treatment: surgery, hospitalisation, intensive care
- Outpatient treatment: examinations, tests, imaging, physiotherapy
- Wide hospital networks and higher annual limits
- Optional dental, optical and maternity extensions
- Renewal guarantee options that protect long-term cover
Who is it for?
Individuals and families who want comprehensive cover and the freedom to choose any hospital in the network, and those without SGK who need standalone private protection. Starting younger locks in better terms.
What sets our agency apart
Health policies involve the most private information people share, which is why confidentiality and courtesy matter to us as much as the cover itself. We discuss waiting periods, pre-existing conditions and the contracted hospital network openly rather than leaving them to the small print. Because we know the hesitation people feel at the hospital door, we stay reachable during pre-authorisation and follow the file until it is resolved.