Hospital supplementary insurance
More choice in hospital. Exactly as much cover as you need.
Compare twin-room, private-room and affordable accident-only cover from SDK. First see the differences, then calculate your personal premium.
Choose hospital cover
What matters to you in an emergency?
Twin room
Comfort for illness and accidents
Private room
More privacy for illness and accidents
Accidents only
Affordable entry without a health assessment
Your options at a glance
Three routes. One fits your sense of security.
The premium is not the only factor: what matters is when cover should apply. Choose the scope first, then see your personal premium.
Illness and accidents
Klinik 2-Bett
e.g. EUR 33.41/month at age 30
Balanced cover for greater comfort and private medical treatment in hospital.
- Twin room
- Private medical treatment
- Free hospital choice subject to policy terms
- Rooming-in for insured children under 16
Illness and accidents
Klinik 1-Bett
e.g. EUR 50.72/month at age 30
The more extensive route when privacy, quiet and additional family benefits matter to you.
- Private or twin room
- Private medical treatment
- EUR 10 hospital allowance per full inpatient day
- Family room after childbirth within the policy scope
Accidents only
Klinik bei Unfall
e.g. EUR 7.00/month at age 30
An affordable entry to private-patient comfort when inpatient treatment is required due to an accident.
- Private or twin room after an accident
- Private medical treatment after an accident
- 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.
Benefits before price
When it matters, what is actually insured counts.
Statutory insurance covers medically necessary care. Your hospital plan adds the optional services that matter to you personally.
Important: 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
Free hospital choice is insured within the policy scope, including private and specialist hospitals.
No policy waiting period
New insured events are covered from the policy start date. Events that occurred before then are not insured.
Family cover, clearly explained
Expecting parents and children need two different answers.
Newborn enrolment is not the same as affordable accident cover for a child. See the difference immediately.
For expecting parents
Plan cover before the birth
If one parent is insured at the time of birth, the newborn can be admitted without a health assessment when the policy requirements are met.
- Registration within two months after birth
- Cover backdated to the day of birth
- Rooming-in for the subsequently insured child
- Family room after childbirth in SP1 subject to policy terms
All newborn enrolment requirements must be met. The parent's existing cover, the deadline and the current policy terms are decisive.
For children
Illness cover or accidents only?
For children, too, the cause matters: SP1 and SP2 cover agreed hospital services for illness and accidents, while SPU only applies after an accident.
- SP1: private or twin room
- SP2: twin room
- SPU: affordable accident cover without a health assessment
- Rooming-in for insured children under 16
SPU is not general hospital cover for children. It does not pay for inpatient treatment caused by illness.
KassenBoost × hospital cover
Choose the cover first. Then find the health insurer to match.
Your bonus can offset up to 100% of your effective plan premium.
We calculate transparently how much you can personally achieve. KassenBoost compares contribution, achievable bonus and benefits; the best-fitting health insurer follows from your information.
SP1 and SP2: your actual remaining premium counts
After you choose the plan, your achievable bonus is applied to your personal premium. This makes it clear what actually remains after the bonus.
Transparent SPU example
What 100% premium relief can look like.
- Illustrative monthly SPU premium
- EUR 7.00
- Illustrative annual premium
- EUR 84.00
- Assumed usable health fund bonus
- at least EUR 84.00
Effective remaining premium in this model
If your usable bonus at least matches the annual premium
EUR 0
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.
Try the bonus yourselfHow much of your premium could you get back?
Select your activities and see separate estimates for a cash bonus or a subsidy towards the plan premium.Interactive IKK classic exampleOpen bonus calculatorClose bonus calculator
How much of your premium could you get back?
Select your activities and see separate estimates for a cash bonus or a subsidy towards the plan premium.Interactive IKK classic exampleYour 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)Bonus for Apple Watch & fitness devices
A subsidy towards a fitness tracker or another device that records health status may also be available. Payment is limited to the documented cost and subject to the current bonus terms.
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.
Your statutory-insurer bonus may offset part or up to 100% of the eligible hospital-plan premium. 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.
The calculator uses the 2026 IKK classic bonus model as an example. Cash bonus and subsidy are alternatives. The subsidy is capped at documented eligible costs; the insurer’s current terms always apply.
Direct AI help from Healio
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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
SP1 offers a private or twin room and additional benefits such as a EUR 10 hospital allowance. SP2 covers a twin room. Both apply within the agreed scope for illness and accidents. SPU covers hospital extras only after an accident.
Ready to decide?
Choose the cover first. Calculate the premium next.
SP2, SP1 or SPU: the comparison takes you directly to the right plan direction.