Health that holds. For people and their therapists.
Healio makes health professionals and their patients financially safer.
Personal protection and practice coverage in one bundle, with conditions you cannot get alone.
Conditions you cannot get alone.
We negotiate framework agreements with the major insurers. These terms are available exclusively through Healio. Not through the open broker network, not directly from the insurer.
Negotiated
Framework agreements with Volkswohl Bund, Gothaer MediRisk, HDI Heilberufe, Continentale and Die Bayerische. Actively maintained and reviewed each year.
Vetted
Only tariffs with top-rated conditions (Morgen & Morgen, franke-bornberg). No soft standard contracts, no compromise on coverage.
Exclusive
Access only through Healio and our association partnerships. Up to 30 percent cheaper than publicly comparable individual tariffs.
The exact conditions are presented in the personal consultation, tariff-current and transparent.
The three gaps that hit almost every naturopath
Self-employed without a chamber-based retirement scheme means no default safety net. Three typical consequences follow.
No safety net when you cannot work
A slipped disc. Three months out of practice. No income. The rent still needs to be paid, and so does the practice.
No structured retirement planning
No statutory pension. No Rürup. At 67 the realization: the practice is your only retirement income.
Fragmented practice insurance
Five separate contracts from five decades. Nobody knows exactly what is covered. The premiums run every month anyway.
Your healthcare professional bundle, all in one hand
Two pillars, eight building blocks. You choose what you need. Healio bundles, negotiates, looks after it.
Practice coverage
The healthcare bundled policy for your practice
Professional liability
Up to 10 million euros coverage. All therapy procedures included, even invasive ones like acupuncture, injections, detoxification.
Practice interruption
3 days waiting period, 24 months coverage. Also for infection and official closure.
Cyber protection
GDPR-compliant protection against data breaches, ransomware and the 72-hour reporting requirement.
Legal expenses
German health advertising law, employment, contract law, tax disputes.
Personal pension and protection
Your private cover, bundled
Disability insurance
Volkswohl Bund Existenz. Terms rated very good to excellent. Up to 30 percent cheaper in a group contract.
Rürup base pension
Fund-linked, fully deductible as special expenses. Example: 15,000 euro annual contribution at 42 percent marginal tax rate yields about 6,300 euro tax savings per year. 2026 limits: 30,826 euro (single), 61,652 euro (married).
Basic skills insurance
As a backup if disability insurance is only available with surcharges or exclusions.
Term life and care
For family, partner and practice loans. Private long-term care as an optional add-on.
You pay less, are better covered, save taxes
Three levers that really work when bundled.
Pay less
up to 30 %cheaper than individual contracts
- Group conditions on the coverage side: 10 to 20 percent below market
- Bundle discount at three or more blocks: up to 12 percent
- Group contract for disability insurance: up to 30 percent cheaper
Better covered
5 million €minimum liability coverage
- Minimum coverage of 5 million euros professional liability
- All invasive procedures included
- Re-insurance guarantees without new medical check
- Cyber and legal expenses integrated instead of add-ons
Save taxes
6,300 €tax savings per year
- Rürup fully deductible as a special expense
- Example: 15,000 euros into Rürup at 42 percent marginal tax rate equals about 6,300 euros tax savings per year
- Disability insurance premiums additionally deductible
Four steps, no paperwork
From first question to complete coverage in just a few days.
Everything you want to know
Your next step
Two ways, both lead to a clear assessment of your protection.
Book an appointment
45 minutes with Frank Steinfurt personally via Google Meet, Germany-wide.
Choose your slot
Request a coverage check
Short form, you will get an initial assessment within 24 hours.
Go to the formThe Healio healthcare professional coverage concept is a private-law insurance concept based on individual and group insurance contracts. Insurance brokerage by Healio GmbH, licensed broker under §34d GewO.