Full courses for you and the best care for your families.
How your expectant mothers effectively pay zero euros for important extras starting today and you get fairly rewarded for your work.
Unsere Partner: SDK Süddeutsche Krankenversicherung & IKK classic
Who actually pays for all the extras?
Birth preparation, acupuncture for nausea, yoga or the important postnatal recovery course. You know exactly what would be good for mother and child right now. But these important services add up quickly and health insurance often only covers the bare minimum. Many families forgo your valuable offerings for purely financial reasons.
The Solution: The Healio Health Budget
up to €3,000
Health Budget
Your families secure a budget of up to 3,000 euros. Through smart offsetting with the health insurance bonus, this budget ideally finances itself completely. Your patients have full coverage and effectively pay zero euros for your courses and treatments.
Let's be honest: your families trust you like almost no one else.
If you know there is a system that can unlock a health budget of up to 3,000 euros for young families, then passing it on is the least you can do. You don't need to do more, Healio takes care of the rest.
Turn it around: your own midwife knew about such an option and never told you. You would be upset, rightly so. Withholding knowledge that tangibly helps destroys exactly the trust your work is built on.
The effort is minimal, the value for your families is huge. It is worth asking yourself: am I giving my families enough back?
The €1,000 budget for your families
So your patients know exactly what to expect, you can show them these benefits directly. The budget ensures that medical extras no longer have to be paid out of pocket.
€1,000 for your health
This budget is exclusively available for natural medicine, osteopathy and important prenatal care during pregnancy.
Gynaecologist extras included
Whether additional ultrasound or important tests like nuchal translucency measurement. The budget covers these IGeL services.
Gentle medicine
Acupuncture for pregnancy complaints or osteopathic treatments for the newborn are fully reimbursed.
Medication and aids
Medications like Femibion or aids that would otherwise be paid privately are covered by the budget.
Private patient status for the baby
Your child enjoys access to the best medicine from day one without you having to worry about costs.
IKK classic Benefits
Midwife on-call service
per pregnancy
Minerals
Iron, folic acid & magnesium per year
Supplementary screening
Toxoplasmosis, Streptococcus, Rubella, Cytomegalovirus
Postnatal recovery
Bonus with supplementary insurance
Maternity care
per check-up
Birth preparation courses
incl. partner course (Keleya)
Home and birth center birth
Midwife + operating cost subsidy
SDK Supplementary Insurance
Pregnancy care
IGeL like nuchal scan, extra ultrasound, tests
Natural healing
Acupuncture, osteopathy, TCM incl. prescribed medication
Medication and aids
Co-payments for medication, remedies and aids
Total Pregnancy Budget
over €1,000
The best part: Through the smart combination with the statutory health insurance bonus, the costs for this package pay for themselves completely. For the expectant mother, this means the best care at effectively zero euros.
The most important part comes last: the newborn
Everything so far was about the mother. Now it is about the child, and this is the part almost nobody knows. If you take away only one thing from this page, please let it be this one.
Every person has exactly one window in which their state of health does not matter. It lasts two months and begins at birth.
A supplementary insurance normally always asks about your state of health. Anyone with a diagnosis pays a surcharge or loses cover for that particular condition. For a newborn, this rule does not apply. SDK's terms state literally that cover begins at birth without risk surcharges and without benefit exclusions, and expressly including birth injuries, congenital conditions and other physical impairments. No health assessment. No waiting period. No surcharge. The question is simply not asked. This window closes two months after birth, and for that child it is then closed for good.
You know better than most why this matters so much
You see it regularly: the newborn jaundice that does need phototherapy after all. The baby arriving a few weeks early and being moved to the neonatal unit. The heart defect that no screening picked up beforehand. Feeding difficulties, an infection, an adaptation disorder. In the vast majority of cases it turns out fine, but it happens often enough, and it happens without warning.
Here is the point. A child diagnosed with something serious in its first days of life will not be accepted into private supplementary insurance later on. Not at five, not at twelve, never. The health questions on the application have then been answered, and not in their favour. If the child was taken on beforehand through newborn enrolment, that very diagnosis is covered, and the protection stays in place for life. It is the only chance a family gets.
What this means for the family when the baby has to stay in hospital
If the child needs inpatient treatment, one parent may be admitted alongside them. Accommodation and meals are covered, so the family does not pay for them. This is rooming-in, and it applies up to the child's 16th birthday, so well beyond the baby years.
On top of that comes free choice of hospital. The family can go to a specialised children's hospital rather than the one they were referred to, even if it is further away. The child is treated privately, meaning by the head physician or a specialist, and stays in a single or twin room instead of a shared ward. Anyone who has spent a night in a four-bed room with a crying newborn knows what that means for a mother recovering from birth.
And for a child all of this costs very little. Depending on the insurer and tariff, the premium is in the range of a few euros per month.
What you need to do, and why you are almost never too late
The requirement is simple: one parent must be insured when the child is born. After that there are two months to enrol the child, backdated to the day of birth.
SDK asks for no prior insurance period. It is enough that the mother's or father's policy is running at the time of birth. Even if a woman only hears about it in her eighth month, her baby is fully covered from its first breath. So your pointer is almost never too late. And once the child has arrived, you still have that two-month window during postnatal care, which is exactly when you are in the house anyway.
Two things to know so you never tell anyone something wrong: Die Bayerische requires three months of prior insurance, so there the deadline falls in the sixth month of pregnancy. And a child can only receive the level of cover held by the best-insured parent. If you want a single room for your child, you need to hold it yourself.
What honestly no longer works: the current birth
So that you never promise something that does not hold: once a pregnancy has been medically confirmed, it counts as an event already under way. No supplementary insurance will pay for that particular birth, with any provider. If a woman comes to you in her fifth month, she can no longer insure a family room or head physician treatment for the birth itself. That is not the weakness of one tariff, it is the same everywhere.
None of this changes anything about the points above. In insurance terms the child is a separate person with a separate contract. For the baby it is not too late, even when it is too late for the birth. Almost nobody understands that distinction, which is exactly why your pointer is worth so much.
And with the next child the birth is included too
SDK waives waiting periods entirely in its hospital tariffs. Anyone who holds the policy before a next pregnancy is medically confirmed has the birth fully covered as well: the family room, private medical treatment and even the separately invoiced services of independent midwives.
That is why the postnatal period is the best moment to mention it. The family secures cover for its newborn now, and for a further child everything is included that was not possible this time.
Which tariff for families? Our honest assessment
Healio is independent and compares the market. In short: for women planning a pregnancy there is hardly a way past SDK, because it works without waiting periods. If the goal is to insure the child and the family affordably, Die Bayerische is usually the better choice.
Die Bayerische
Our recommendation for young families
Child from around 4 euros per month in the top tariff, entry tariff from around 2 euros
Rooming-in for children up to 16, family room without limit in the top tariff
Head physician at 100 per cent, with no cap at the maximum GOÄ rates
Privately invoiced midwife covered during an inpatient stay
Streamlined acceptance with only two health questions
Adults aged 30 from around 13 euros per month
The child's entry tariff can be upgraded later without a further health assessment
To be honest about it: a special waiting period of eight months applies to childbirth, and for the newborn a parent must already have been insured for three months. The deadline therefore falls in the sixth month of pregnancy. The tariff also builds no ageing provisions, so the premium is very low at a young age and rises considerably by design in old age. For children and the family years that is exactly the strongest lever, but as a lifelong solution you need to know it.
SDK
The first choice when planning a pregnancy
No waiting periods, stated literally in the terms. Cover applies from day one, including for childbirth
Newborn enrolment with no prior insurance period: it is enough that one parent is insured at the time of birth
Family room for childbirth, covered at 100 per cent in the single-room tariff
Separately invoiced services of independent midwives are covered
Rooming-in: one parent stays with the child, up to age 16
Reimbursement beyond the maximum GOÄ rates, free choice of hospital including private clinics
Calculated with ageing provisions, therefore more stable across the decades
Example premiums at age 30: hospital twin room 32.82 euros, hospital single room 49.78 euros per month
To be honest about it: for a young family that is a lot of money, often three to four times Die Bayerische. Health questions are part of the application here too. And the limit remains: if the pregnancy has been medically confirmed at the time of application, no benefits are paid for that birth.
Both can be combined with the statutory health fund's bonus programme. The supplementary insurance is recognised there as a subsidised benefit and triples the cash bonus, capped at the premiums actually paid. For many families the bonus therefore covers a substantial share of the premium.
Which route fits in an individual case depends on age, budget and state of health. Healio clarifies that free of charge in a consultation. You do not have to explain any of it or work anything out, a pointer at the right moment is enough.
All the details on hospital supplementary insuranceThe perfect win win for your work
When money is no longer an issue, families book exactly the courses they really need. Your schedule is full and the mothers are optimally cared for.
Additionally, we want to thank you for your trust. For every successful recommendation of our budget, you receive a premium of 50 euros.
You always have full control:
Payout to you
You receive the 50 euros as a classic referral premium, paid out directly and easily.
The Healio Donation
You waive the premium and we donate 50 euros in your name to a renowned foundation for children's health.
You decide flexibly anew with each family.
Your Neutrality. 100 Percent Protected.
As a midwife, you are committed to the well-being of your patients and strict neutrality. That's exactly how we built our concept for you.
The model is legally completely safe. You never act as an advisor and don't recommend specific tariffs. You simply pass on information about how families can smartly cover the services you recommend anyway. The complete and market-independent consultation is handled by us at Healio.
You act as a pure referrer. Your independence is always maintained and you remain in perfect alignment with your strict professional code.
This is how easy it works for you.
01
Quick Introduction
45 minutes is enough. We explain the concept and you decide at your own pace whether it suits you.
02
Receive Materials
You receive high-quality and unobtrusive information flyers for your home visits or practice rooms. Completely free.
03
Families Benefit
Your patients scan the QR code on the flyer, secure their budget online in minutes and can book your services with ease. We handle the entire administrative process.
We want to make your everyday life easier in every way. Feel free to talk to us about this!
Ready for a quick introduction?
45 minutes. No sales pitch. Just real facts for your work.