Health cure daily allowance: insure your own share of a health cure

The insurance pays the agreed daily allowance for each day of the health cure. You can use this amount to cover the costs that statutory cover leaves open. This keeps your own financial share manageable. You set the amount of the daily allowance yourself when you take out the policy. Ideally, the agreed rate covers your own share completely.

As a rule, the daily allowance is only paid for a medically necessary measure. A doctor must prescribe and certify it. A pure recreational trip is therefore not covered.

The health cure daily allowance specifically covers your own share of a stay at a health resort. Krankentagegeld, by contrast, replaces lost income during an incapacity for work. The two benefits serve different purposes and do not exclude each other. If you need a health cure regularly, you benefit from the health cure daily allowance. If you want to protect your earnings, you benefit from Krankentagegeld (i)KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld →.

Privately insured people usually already have health cure benefits in their plan, so they rarely need separate health cure daily allowance insurance. The situation is different for members of a Versorgungswerk. Because a Versorgungswerk (i)VersorgungswerkThe professional pension scheme of the chambers, for example for doctors, lawyers and tax advisors. Members pay into it instead of the statutory pension insurance.More about Versorgungswerk → does not provide ideal cover for rehabilitation and health cures, tax advisors, doctors, lawyers and notaries, for example, should include a health cure daily allowance in their plan.

Before you sign, check how high your actual own share of a health cure would be. The amount of the health cure daily allowance should be based on this, so that the cover is neither too low nor unnecessarily high.