When your health is at stake, doctor choice and privacy matter.
Den Klinikschutz bekommst du, solange du gesund bist. Eine neue Diagnose kann den Abschluss verhindern.
Choose a time that suits you. We discuss your cover together.
Just a single room, or a choice of doctor too? DKV UZ1 covers the room; SDK SP1 and SP2 also cover privately billed medical care. SDK SPU provides additional benefits only after an accident. Compare the cover that fits your needs.
Benefits, acceptance and room availability apply. SPU accident cover only applies after an accident.
- Insurance broker under § 34d GewO
- Plan limits explained before you commit
- Personal support
Hospital supplementary insurance
Your room.Your choice of doctor.When it comes to your health, choice of doctor and privacy are not minor details.
Single room only, or private medical care too? Choose your hospital cover. Your bonus may help with the premium.A quiet single room, or a choice of doctor as well? Compare DKV UZ1 with SDK plans for illness or accidents only. Depending on your circumstances, your health insurance bonus can offset part or all of your premium.
Choose a time that suits you. We discuss your cover together.
What matters to you in an emergency?
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.
Understand single-room costs
What can a single room cost?What does a single hospital room cost?
EUR 353.20for 5 days
Mainz example, room only. Each hospital charges differently.
Price example & original source
University Medical Center Mainz · Price list dated 1 January 2026
EUR 70.64 per chargeable day × 5 chargeable days
EUR 353.20
Our calculation covers only the single room. Private medical services and other charges are excluded. One example, not an average price.
Read the original price list (PDF)University Medical Center Mainz · Price list dated 1 January 2026
EUR 70.64 per chargeable day × 5 chargeable days
EUR 353.20
Our calculation covers only the single room. Private medical services and other charges are excluded. One example, not an average price.
Read the original price list (PDF)Plan for future hospital stays
SP1: single room. SP2: twin room. SPU: accidents only. Policy terms apply.Compare hospital cover for your room preference. SP1 includes a single room, SP2 a twin room; SPU applies only after an accident. The respective tariff conditions apply.
Compare room benefits and premiumsDo you need the room right now?
New cover does not pay for an event that has already occurred. Ask your hospital about its surcharge and check existing cover.Ask your hospital about the actual supplement and check any existing cover. A new policy does not cover an insured event that has already occurred.
SDK · provider rating
IKK classic · Families
IKK classic · Parents
krankenkasseninfo.de, as of 09/2026, 72 statutory health funds tested. The rating covers the health fund IKK classic, not the supplementary insurance.
Rating details
SDK · provider rating
German Fairness Award 2025. Overall winner among private health insurers. Customer survey of 24 providers.
ntv / DISQ · 2025
krankenkasseninfo.de, as of 09/2026, 72 statutory health funds tested. The rating covers the health fund IKK classic, not the supplementary insurance.
Your options at a glance
Which hospital cover suits you?
Room only, with a private doctor, or after accidents only. Choose your benefits first.Four routes: room only, room with private medical care, or hospital extras after accidents only. Choose the benefits first, then calculate your personal premium.
Family & midwife benefitsCheck child cover & midwife benefitsSingle room only? DKV UZ1.
100% of the eligible surcharge for a single or twin room when your statutory health insurer pays its required benefit. Without head-physician or private medical treatment.
Waiting periods: 3 months generally, 8 months for childbirth. The general waiting period is waived after an accident. Policy terms apply.
With private medical care: the three SDK hospital plans
- SP2
Illness and accidents
Klinik 2-Bett
e.g. EUR 33.41/month at age 30
- Twin room
- Private medical treatment
Further benefits & conditions
- Free hospital choice subject to policy terms
- Rooming-in through the child’s SP2: under 16, covered hospital stay
- Free hospital choice subject to policy terms
- Rooming-in through the child’s SP2: under 16, covered hospital stay
- SP1
Illness and accidents
Klinik 1-Bett
e.g. EUR 50.72/month at age 30
- Private or twin room
- Private medical treatment
Further benefits & conditions
- Statutory co-payment of EUR 10 per hospital day covered, EUR 10 daily allowance on days without a co-payment
- Family room for covered childbirth; existing-pregnancy exclusion applies
- Statutory co-payment of EUR 10 per hospital day covered, EUR 10 daily allowance on days without a co-payment
- Family room for covered childbirth; existing-pregnancy exclusion applies
- SPU
Accidents only
Klinik bei Unfall
e.g. EUR 7.00/month at age 30
- Private or twin room after an accident
- Private medical treatment after an accident
Further benefits & conditions
- Free hospital choice subject to policy terms
- No health assessment
- Free hospital choice subject to policy terms
- No health assessment
Choose one of the three cards. A clear next step then takes you to the premium calculator.
The SP1 and SP2 applications include health questions. SPU applies only to accident-related treatment and requires no health assessment. Benefits are subject to policy terms; your personal premium mainly depends on your age when joining.
Prefer die Bayerische? That works too.
- Prestige
- Komfort
- Smart
At age 21–30: Komfort EUR 10.20, Prestige EUR 13.40/month (09/2026). Premiums rise with age groups.
No general waiting period. Eight months for childbirth and psychotherapy, waived after accidents. An existing pregnancy is excluded for that birth.
Waiting period
SDK has no waiting periods. Die Bayerische has no general waiting period, only eight months for childbirth and psychotherapy. After an accident, these fall away too.
Head physician
In Komfort and Prestige, die Bayerische pays head and private physician bills in hospital even above the maximum rates of the German medical fee schedule (GOÄ).
Premium
At 21 to 30, you pay EUR 10.20 a month in Komfort and EUR 13.40 in Prestige (as of 09/2026). The premium rises when you move into the next age group.
Pregnancy and birth
If you are already pregnant when you apply, neither insurer pays for that birth. Die Bayerische also has time limits for childbirth and newborn cover. When SDK, when die Bayerische?
SDK benefits in detail.
SP1 and SP2 apply within the agreed scope for illness and accidents. SPU covers the hospital extras only after an accident.
Private medical treatment
Benefits & conditions
Treatment by a chief physician or attending specialist; reimbursement in the SDK hospital plans is not capped at the GOÄ maximum rates.
Treatment by a chief physician or attending specialist; reimbursement in the SDK hospital plans is not capped at the GOÄ maximum rates.
More privacy in your room
Benefits & conditions
SP2 secures a twin room. SP1 offers a private or twin room. SPU covers this benefit only after an accident.
SP2 secures a twin room. SP1 offers a private or twin room. SPU covers this benefit only after an accident.
More choice of hospital
Benefits & conditions
You choose the hospital freely, including a specialist hospital. In a private clinic the plan pays the costs above the rate of a contracted hospital, provided your statutory insurer pays that rate. If your insurer does not pay that rate, you bear the general hospital costs yourself.
You choose the hospital freely, including a specialist hospital. In a private clinic the plan pays the costs above the rate of a contracted hospital, provided your statutory insurer pays that rate. If your insurer does not pay that rate, you bear the general hospital costs yourself.
SDK: no policy waiting period
Benefits & conditions
With SDK, new insured events are covered from the policy start date. Events that occurred before then are not insured. DKV UZ1 has its own waiting periods.
With SDK, new insured events are covered from the policy start date. Events that occurred before then are not insured. DKV UZ1 has its own waiting periods.
Benefits before price
When it matters, what is actually insured counts.
Statutory insurance covers medically necessary care. These are the optional services offered by SDK hospital plans. DKV UZ1 is the separate single-room option without private medical treatment.
SDK: the plan determines when cover applies
SP1 and SP2 apply within the agreed scope for illness and accidents. SPU covers the hospital extras only after an accident.
Private medical treatment
Treatment by a chief physician or attending specialist; reimbursement in the SDK hospital plans is not capped at the GOÄ maximum rates.
More privacy in your room
SP2 secures a twin room. SP1 offers a private or twin room. SPU covers this benefit only after an accident.
More choice of hospital
You choose the hospital freely, including a specialist hospital. In a private clinic the plan pays the costs above the rate of a contracted hospital, provided your statutory insurer pays that rate. If your insurer does not pay that rate, you bear the general hospital costs yourself.
SDK: no policy waiting period
With SDK, new insured events are covered from the policy start date. Events that occurred before then are not insured. DKV UZ1 has its own waiting periods.
Family cover, clearly explained
Expecting parents and children: three clear answers.
Parental cover and child cover are separate questions. SDK requires no prior insurance period for newborn enrolment; die Bayerische requires three months. Childbirth and midwife benefits depend on the policy terms.
Expecting parents · SDK
Parental cover opens the route for your child
If one parent has SDK hospital cover on the day of birth and SDK receives your child’s registration within two months, cover starts backdated to birth. No health assessment, surcharge or new benefit exclusions, with cover no wider than that of the better-insured parent. No prior insurance period is required.
Alle Punkte ansehen
- Birth injuries and congenital conditions are included within the chosen plan
- For the child to receive SP1 this way, one parent must have SP1
- For a later covered birth: separately billable attending midwife in SP1 and SP2, family room in SP1
If the pregnancy was already medically confirmed when you applied, the parent’s policy pays neither for that birth nor for complications during it. Newborn enrolment is assessed separately. Room and doctor benefits depend on the chosen plan and a covered hospital stay.
Expecting parents · Bayerische
Cheaper with lead time
If you plan early, die Bayerische costs adults considerably less. It accepts your child without a health assessment if one parent has already been insured with die Bayerische for at least three months on the day of birth. In Komfort and Prestige, the birth itself is covered after an eight-month waiting period from the start of cover.
Alle Punkte ansehen
- Prestige for you: EUR 13.40 a month at 21 to 30, EUR 17.60 at 31 to 45 (as of 09/2026)
- For your child in the age group up to 15: Komfort EUR 3.20, Prestige EUR 4.10 a month
- Family room at a later birth: in Prestige without a limit, in Komfort up to the cost of a twin room, through the mother's policy
- Registration no later than two months after birth, cover backdated
- If your child under 16 has to go into hospital, their Komfort or Prestige plan pays 100 per cent of your accommodation and meals as an accompanying parent, where your health insurer does not
- For a later pregnancy: additional midwife costs after statutory-insurer benefits under the confirmed claims practice; clarify individual items beforehand
If you are already pregnant when you apply, the plan pays neither for that birth nor for midwife costs in that pregnancy. Later on too: if a child is born before the eight months have passed, including a premature birth, the plan does not pay for the birth. Through newborn enrolment, your child can be insured at most as fully as the parent.
For children · SDK
Illness cover or accidents only?
SP1 and SP2 cover agreed hospital benefits for illness and accidents; SPU covers accidents only. Rooming-in is paid by your child’s own SP1 or SP2 plan: accommodation and meals for one parent, if the child is under 16 when treatment starts and SDK covers the hospital stay.
Alle Punkte ansehen
- SP1: private or twin room
- SP2: twin room
- SPU: affordable accident cover without a health assessment
- Rooming-in through the child’s own SP1 or SP2 policy
SPU is not general hospital cover for children. It does not pay for inpatient treatment caused by illness.
Midwife and birth
Your midwife: who pays for what?
Midwife and birth
Your midwife: who pays for what?
Most midwife care is paid by your statutory health insurer. Here you can see what the hospital plans from SDK and die Bayerische add on top. Attending midwives (Beleghebammen) work freelance in the delivery room. You can also choose your own attending midwife, who then accompanies you to the birth in hospital.
How to finance your hospital cover
Two ways, which you can also combine:
Which way brings you more? Check with KassenBoost
A cheaper health insurance fund
A lower additional contribution leaves you more each month. The money you save pays for your hospital cover. The higher your salary, the more it adds up.
Your fund's bonus
Your fund pays a bonus for sport, check-ups and dental check-ups, regardless of income. It can pay for all or part of your hospital cover.
Up to, under the statutes
How much of it can you unlock?
€810Maximum under the 2026 statutes · suitable evidence · recognised out-of-pocket costs
€810Everything used, without pregnancy; during pregnancy up to €1,155. Most people reach 400 to 700 EUR; the subsidy actually available depends on the current bonus terms.
Let your fund bonus help pay.Choose the cover first. Then find the health insurer to match.
Your bonus may cover all or part of your hospital-plan premium.With SP1 and SP2 your bonus usually offsets part of the premium, with the affordable SPU often all of it. The calculator shows what applies to you.
Find a health insurer to match the planView the SPU example
Transparent SPU example
How your bonus can help pay for hospital cover.
- Illustrative monthly SPU premium
- EUR 7.00
- Illustrative annual premium
- EUR 84.00
- Realistic bonus subsidy per year with IKK classic
- EUR 400 to 700
Maximum reimbursement in this model
Up to your documented annual premium, paid after the bonus year
EUR 84.00
Specific model calculation for SPU using an illustrative premium of EUR 7.00 per month or EUR 84.00 per year at age 30. Your premium depends on age. Bonus and usability depend on your health insurer, activities, proof and bonus terms; reimbursement is limited to the contribution that is actually eligible. You pay your premium as usual every month. You apply for the subsidy with your health insurer after the bonus year ends. If your contract only starts in autumn, the subsidy for the first year is correspondingly smaller.
Transparent SPU example
How your bonus can help pay for hospital cover.
- Illustrative monthly SPU premium
- EUR 7.00
- Illustrative annual premium
- EUR 84.00
- Realistic bonus subsidy per year with IKK classic
- EUR 400 to 700
Maximum reimbursement in this model
Up to your documented annual premium, paid after the bonus year
EUR 84.00
Specific model calculation for SPU using an illustrative premium of EUR 7.00 per month or EUR 84.00 per year at age 30. Your premium depends on age. Bonus and usability depend on your health insurer, activities, proof and bonus terms; reimbursement is limited to the contribution that is actually eligible. You pay your premium as usual every month. You apply for the subsidy with your health insurer after the bonus year ends. If your contract only starts in autumn, the subsidy for the first year is correspondingly smaller.
Try the bonus yourselfHow much bonus is possible?How much of your premium could you get back?
Interactive IKK classic exampleOpen bonus calculatorClose bonus calculator
How much bonus is possible?How much of your premium could you get back?
Interactive IKK classic exampleSelect your activities and see what a subsidy towards the plan premium could be.
Your Personal Bonus Calculator
Select what you already do. The calculator keeps the cash bonus and the threefold subsidy for documented costs separate.
What applies to you?
A realistic example is preselected. Adjust it to the activities you can actually document.
Submit proof digitally
Bonus activities require proof accepted by IKK classic, such as confirmation in the app, a participation certificate or a stamp. For a subsidy towards an insurance premium, you also provide evidence of the insurance type, period and premium paid.
Official IKK 2026 information sheet (April 2026)Potential subsidy towards your premium:
Hospital twin-room plan, illustrative premium EUR 33.41 (age 30)
Click on the premium to enter your individual amount (incl. risk surcharge).
Your bottom line
Example calculation: twin-room hospital plan at EUR 33.41 per month (age 30). The subsidy is capped at the documented annual premium and subject to current bonus and tariff terms.
With SP1 and SP2 your statutory-insurer bonus usually offsets part of the eligible hospital-plan premium, with the affordable SPU often all of it. The applicable bonus and tariff terms determine the result.Cash bonus and subsidy are alternatives and are not added together. The subsidy is capped at your documented eligible costs.
Example based on the 2026 IKK classic bonus model. The insurer’s current terms always apply.
You stay publicly insured and use the better bonus
You are not leaving the statutory system. You are only switching to the fund whose bonus better supports the supplementary cover you want.
Test results for the health fund IKK classic
krankenkasseninfo.de, as of 09/2026, 72 statutory health funds tested. The rating covers the health fund IKK classic, not the supplementary insurance.
Compare digitally, supported personally
Make an informed decision and never feel left on your own.
Healio explains benefits and limits before your decision and remains available after you sign up.
Registered insurance broker
Insurance brokerage authorised under Section 34d (1) of the German Trade Regulation Act.
Understand the terms first
We separate illness, accidents and family benefits before you calculate the premium.
Personal support afterwards
You can contact Healio personally with questions about the application, contract or a claim.
Quick answers
The key questions before you choose
DKV UZ1 reimburses eligible room surcharges without private medical treatment. SDK SP2 offers a twin room with a private doctor; SP1 offers a single or twin room with a private doctor and additional family benefits. SP1 and SP2 apply within the agreed scope for illness and accidents. SDK SPU applies only after an accident.
Ready to decide?
Let’s clarify your hospital cover.
We guide you through the options and the application. You review everything before deciding.