Private patient in hospital. With the inpatient plan.
Private room, chief physician treatment and free hospital choice with SDK's hospital plans, with no waiting periods. For a 30-year-old, from 6.84 € per month. Calculate your premium in 2 minutes.
Refinancing via the IKK classic bonus: IKK classic rewards healthy behaviour with tax-free bonuses and subsidies. Depending on your activities, this can cover a large part of your premium, and for the accident plan often all of it. Calculate yours below.
Our partners: SDK Süddeutsche Krankenversicherung & IKK classic
In cooperation with
Depending on the bonus activities you complete, the IKK classic bonus programme can offset part or all of your hospital plan premium.
More IKK classic awards
The SDK hospital plans: private patient in hospital
Private room, chief physician treatment, free hospital choice. Reimbursement even beyond the maximum rates of the German medical fee schedule (GOÄ).
Klinik 1-Bett (plan SP1)
Private room
e.g. 49.78 €/month at age 30 | 69.74 €/month at age 46
Klinik 2-Bett or Klinik 1-Bett?
Klinik 2-Bett (SP2)
Twin room
Upgrade option to the private-room plan from age 30
e.g. 32.82 €/month at age 30
Klinik 1-Bett (SP1)
Private or twin room
Highest plan of the SP line
e.g. 49.78 €/month at age 30
Refinance your premium via the IKK classic bonus
IKK classic rewards health-conscious behaviour with tax-free cash bonuses and subsidies: preventive check-ups, vaccinations, sports club, fitness and more. Depending on your activities, the bonus can cover a large part of your hospital plan premium, and for the accident plan often all of it. The bonus calculator below shows what you can collect.
Transparent, not theoreticalWhat optional hospital extras can realistically costView model calculations
Statutory insurance covers medically necessary treatment. These model calculations show optional extras and the statutory co-payment only.
Realistic model calculation
Complex leg fracture: 5 days in hospital
- Medically necessary surgery and standard care
- covered by statutory insurance
- Optional private room (4 × EUR 143.50)
- EUR 574.00
- Statutory co-payment (5 × EUR 10)
- EUR 50.00
In this model, the room costs are reimbursed and EUR 10 hospital daily allowance is paid for each inpatient day.
Family example
Family room after birth: 4 days
- Medically necessary delivery and care
- covered by statutory insurance
- Optional family room (3 × EUR 146.15)
- EUR 438.45
- Statutory co-payment for childbirth
- EUR 0.00
Cover must have started before a pregnancy had already been medically confirmed.
Model calculations based on published hospital prices and current policy terms. Actual costs and reimbursements may vary.
What sets the SDK hospital plans apartView all special features
Hospital supplementary insurance: private patient status. Without being privately insured.
Anyone who has to go to hospital should focus on recovery, not on the budget. Hospital supplementary insurance gives you access to the best doctors and clinics.
Top medical care
Private treatment by chief physician or attending specialist, without being capped at the GOÄ maximum rates.
More privacy
Private room instead of shared room. Better recovery.
Accident cover without a health assessment
SPU provides the private-room plan benefits for accident-related treatment, at an affordable price and without a health assessment.
Family-friendly
Rooming-in: parents stay with their children.
View all 8 benefit detailsHide benefit details
Private or twin room
Maximum rest in the private-room plan (SP1). The SP2 plan offers a twin room with a later upgrade option.
Chief physician treatment
Private medical treatment by chief physician or attending specialist. Reimbursement even beyond the GOÄ maximum rates.
Free hospital choice
Any hospital in Germany, incl. private and specialist clinics. You decide where you are treated.
No waiting periods
Cover for new insured events starts on the policy start date. Events that occurred before the policy began are not covered.
Up to EUR 100 per day
SP1 includes a EUR 10 hospital daily allowance. If private-doctor care and a comfort room are waived, an additional replacement allowance of up to EUR 100 per day may be paid.
Outpatient surgery
Outpatient operations replacing an inpatient stay are reimbursed, incl. one pre- and one final examination.
Rooming-in & family room
Rooming-in is included for insured children under 16. Following childbirth, SP1 covers the family room at 100%.
Rehab & transport
Rehabilitation is included, excluding withdrawal treatment. Medically necessary travel and transport costs are reimbursed under the policy terms.
For expecting parents
Your baby, in the best hands from day one
If you take out the hospital tariff while still pregnant, you can add your child after birth without any health assessment: within two months, retroactive to the day of birth.
No health assessment
For a newborn, health status does not matter. This window exists exactly once in a lifetime: it lasts two months and starts at birth.
The best setting if complications arise
Premature birth, jaundice treatment, transfer to neonatology: if complications occur after birth, your child has the tariff's full scope of care from the start, including choice of hospital and specialists.
You stay with your child
If your child needs inpatient treatment, one parent is admitted as an accompanying person. Accommodation and meals are covered by the tariff (rooming-in).
Requirement: one parent is insured at the time of birth. The SDK hospital tariffs have no waiting periods, so signing up during pregnancy still makes sense, above all for your child.
Calculate your family's premiumYour Personal Bonus Calculator
This is how the IKK classic bonus works: Select your activities and see instantly how much you can get back!
Select your activities:
A typical example is already selected. Simply adjust it to your own activities.
Simple & trust-based
IKK classic trusts its members. Proof is only requested in rare individual cases and on a spot-check basis. You don't need to meticulously document every activity, just report it and collect your bonus.
Bonus for Apple Watch & fitness devices
You can also use your IKK bonus towards an Apple Watch, fitness tracker, or other fitness devices. Simply submit it through the bonus program and collect the subsidy.
Your potential bonus:
Hospital tariff twin room, example premium €32.82 (age 30)
Click on the premium to enter your individual amount (incl. risk surcharge).
Your bottom line
Example calculation: twin-room hospital tariff at €32.82 per month (age 30). Your premium depends on age and tariff, your bonus on your health insurer and the activities you complete.
Your bonus is paid out or used as a subsidy for paid supplementary insurance premiums. This can make your health budget of up to €3,000 over 2 years effectively much cheaper.
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.
TeleClinic
24/7 Online DoctorReach doctors from 60+ specialties around the clock via the app, by video, no waiting room.
Available 24/7
Doctor consultation within 30 minutes, even at night and on weekends
60+ specialties
From general medicine to dermatology, almost every concern is covered
Skin Checker
Photo diagnosis for skin changes within 24 hours
E-prescription & sick note
Electronic prescriptions and sick notes directly to your phone
Premium status
As an IKK member, you enjoy priority treatment in the app
Free for IKK members
Simply download the TeleClinic app and register with your IKK insurance number
BetterDoc
Specialist search & second opinionNeed a specialist or unsure about a surgery? BetterDoc finds the best doctor for your case.
Independent doctor search
BetterDoc researches the optimally qualified specialist for your diagnosis
Second opinion before surgery
Especially for back, knee, and hip, 85% of back surgeries could be avoided
Quality-assured
Doctors are selected based on medical data and experience values
Appointment service
BetterDoc can arrange the appointment with the specialist for you
Free & non-binding
Hotline: 0800 444 6 999 (Mon–Fri, 9am–5pm)
Everything included, no extra cost
TeleClinic and BetterDoc are an integral part of your IKK classic membership. No surcharge, no waiting, just use them.
10 %
for environmental organizations
Healio donates 10% of its revenue to environmental organizations. Not because we have to, but because we believe: those who promote health must also protect the environment.
Nature conservation
Supporting projects to preserve natural habitats
Clean water
Promoting initiatives for clean waters and drinking water
Healthy future
Investing in a world where health and nature belong together
Donations go directly to selected, certified environmental organizations. Healio acts out of its own conviction, no extra cost for you.
Three situations, one difference
Example scenarios: how private patient status makes itself felt in hospital.
Example: planned knee surgery
Private room instead of shared room, surgery and care by the chief physician instead of the doctor on duty. Especially for planned procedures, this decides how calmly you recover.
Example: child in hospital
Rooming-in is an insured benefit: one parent stays with the child. Plus free hospital choice, even a specialised children's clinic is possible.
Example: sports accident
Even the affordable accident plan makes you a private patient for accident-related treatments: private or twin room, chief physician treatment and free hospital choice when it matters.
Frequently asked questions about hospital supplementary insurance
Everything about the SDK hospital plans and the IKK classic bonus.
The premium depends on age and plan. Examples for a 30-year-old: Klinik bei Unfall 6.84 €, Klinik 2-Bett 32.82 €, Klinik 1-Bett 49.78 € per month. At age 46: 10.49 / 44.91 / 69.74 €. The plan calculator shows your personal premium in 2 minutes.