Cover that fits. Let’s work it out together.
Outpatient, dental or hospital cover: we work out your cover and premium together. Your statutory insurance bonus can help pay for it.
Choose a time that suits you. We discuss your cover together.
- Insurance broker under § 34d GewO
- Plan limits explained before you commit
- Personal support
Cover that fits.Let’s work it out together.Cover that fits.
Outpatient, dental or hospital cover: we work out your cover and premium together. Your statutory insurance bonus can help pay for it.
Choose a time that suits you. We discuss your cover together.
Your cover. Worked out together.
We guide you from your first question to your application. You stay in control at every step.
Book an appointment
Choose a time that suits you for your personal consultation.
Work it out together
We personally guide you through cover, health questions and your premium.
Decide in your own time
Review and confirm your application by email. We support you through submission.
The consultation does not conclude a contract. You review all details first.
Which benefits matter to you?
Explore the area that fits your everyday needs. Understand the benefits and their limits first.
Naturopathy, glasses and prevention.
Outpatient supplementary cover for alternative practitioners, osteopathy, vision aids and preventive care. Check the reimbursement available under each plan.
Explore outpatient benefits
Dentures and preventive dental care.
Compare reimbursement, your share of the cost and the rules for treatment already recommended. The dental check shows you the appropriate next step.
Explore dental benefits
Hospital rooms and choice of doctor.
Single or double rooms, privately billed medical care or accident cover: see which options are actually included in the contract.
Explore hospital benefitsWhat does extra cover cost?An example with premium and bonus
An example: premium minus bonus
EUR 470.28−EUR 400.00=EUR 70.28
Example: age 35, SDK AP1 at EUR 39.19 per month. You pay that premium first. The EUR 400 bonus is an assumption, subject to qualifying activities and eligible expenses.
What you should know
Health fund bonuses are not paid automatically. If you meet the conditions, you can claim them.
Your fund, activities, plan and eligible expenses determine the result. EUR 3,000 is the sum of separate plan limits, not a cash balance.
- Annual supplementary premium: EUR 470.28
- Example: age 35, SDK Ambulant 100 (AP1) at EUR 39.19 per month. You pay the premium first.
- Bonus achieved: EUR 400.00
- Illustrative assumption for the IKK classic subsidy, not a guaranteed amount. Bonus conditions, recognised activities and your own eligible costs determine the result.
- Annual cost after the bonus: EUR 70.28
- Equivalent to about EUR 5.86 per month, if you actually receive the assumed bonus.
You pay the monthly insurance premium yourself. Then claim your bonus with activity and expense evidence from your health fund. There is no automatic deduction; plan and bonus conditions apply.
Support for a confident decision.
We explain benefits and premiums with you and support you through submission.
Book an appointmentChoose a time that suits you. We discuss your cover together.
Registered insurance broker
Healio operates with authorisation under § 34d (1) of the German Trade Regulation Act. Our initial information document explains our intermediary status.
Read our initial informationPersonal support
We remain available after you take out cover for questions about your choices, contract and supporting documents.
Limits explained before you commit
We set out benefits, premiums, eligibility requirements and plan limits before you make your decision.
What does extra cover cost?An example with premium and bonus
An example: premium minus bonus
EUR 470.28−EUR 400.00=EUR 70.28
Example: age 35, SDK AP1 at EUR 39.19 per month. You pay that premium first. The EUR 400 bonus is an assumption, subject to qualifying activities and eligible expenses.
What you should know
Health fund bonuses are not paid automatically. If you meet the conditions, you can claim them.
Your fund, activities, plan and eligible expenses determine the result. EUR 3,000 is the sum of separate plan limits, not a cash balance.
- Annual supplementary premium: EUR 470.28
- Example: age 35, SDK Ambulant 100 (AP1) at EUR 39.19 per month. You pay the premium first.
- Bonus achieved: EUR 400.00
- Illustrative assumption for the IKK classic subsidy, not a guaranteed amount. Bonus conditions, recognised activities and your own eligible costs determine the result.
- Annual cost after the bonus: EUR 70.28
- Equivalent to about EUR 5.86 per month, if you actually receive the assumed bonus.
You pay the monthly insurance premium yourself. Then claim your bonus with activity and expense evidence from your health fund. There is no automatic deduction; plan and bonus conditions apply.
Your cover. Your choice.Which cover do you want to improve?
Go straight to outpatient, dental or hospital benefits.
- Outpatient
More room in your health budget
Naturopathy, osteopathy, vision aids and prevention.Benefits for naturopathy, osteopathy, vision aids and preventive care.
Explore the health budget - Dental
Make dental costs predictable
Treatment, restorations and prevention, depending on the plan.Dental treatment, restorations and preventive care, depending on the plan.
Explore dental cover - Hospital
More choice in hospital
Rooms, specialists and hospital choice, depending on the plan.Private room, specialist treatment and hospital choice, depending on the plan.
Explore hospital cover
Your documents at hand.Digital overview. Personal support.
Keep everything organised in the Healio app.
Registered broker
Broker licensed under section 34d (1) GewO.Insurance broker licensed under section 34d (1) GewO.
Understand first
Benefits, limits and costs before you decide.We explain benefits, limits and costs before you decide.
Support afterwards
Personal support after you take out cover.We continue to help with policies, budgets and receipts after sign-up.
Broker and ongoing support
Registered broker
Insurance broker licensed under section 34d (1) GewO.
Understand first
We explain benefits, limits and costs before you decide.
Support afterwards
We continue to help with policies, budgets and receipts after sign-up.
Your next step? Let’s work it out.
Healio for companies and practices.
Corporate benefits and partner services follow their own dedicated paths.
For companies
Benefits as one coordinated system.
Bring pensions, health cover and employee benefits together clearly.
Explore company solutions
For practices
Help make treatment more affordable.
Practices provide neutral information. Healio reviews, advises and arranges cover.
Explore the partner programme