How many high-quality treatment plans do you lose to fear of out-of-pocket costs?
Give your patients financial clarity: suitable supplementary cover may provide up to EUR 3,000 in health benefits over 2 years, divided into four benefit categories. A health fund bonus may offset all or part of the premium. Your practice provides neutral information; Healio checks eligibility, advises and supports the application.
For practices, therapists and opticians
No insurance advice by the practice. Policy terms and health declarations determine cover; treatment already recommended is not automatically insured.
For practices, therapists and opticians
More options for your patients.How many high-quality treatment plans do you lose to fear of out-of-pocket costs?
A health budget can help patients plan treatment costs. Healio advises and supports your patients.Give your patients financial clarity: suitable supplementary cover may provide up to EUR 3,000 in health benefits over 2 years, divided into four benefit categories. A health fund bonus may offset all or part of the premium. Your practice provides neutral information; Healio checks eligibility, advises and supports the application.
The partner concept explained.When the budget stops treatment: the partner concept at a glance.
How supplementary cover and a health fund bonus work together.Help your patients find suitable supplementary cover and use a possible health fund bonus towards the premium.
No insurance advice by the practice. Policy terms and health declarations determine cover; treatment already recommended is not automatically insured.
The treatment plan is ready. The budget is not always.
When patient contributions rise, recommended services may be postponed, reduced or not started at all. Healio helps patients understand which reimbursement and bonus options may be available to them – without influencing the practice's medical decision.
What patients may benefit from.The Healio health budget
Plan benefits over 2 years. A possible health fund bonus can help cover the premium.Depending on the tariff and personal eligibility, patients may be able to use up to EUR 3,000 in tariff benefits over two years. The IKK bonus does not come on top. It can help with the premium for the supplementary cover, up to EUR 810 a year under the statutes, depending on documented activities.
Total health budget
up to EUR 3,000
Subject to the plan and individual requirements.potential tariff benefits over two years; the IKK bonus is assessed separately
Naturopathy and alternative medicine
up to EUR 1,000
Alternative practitioners, osteopathy, TCM or chiropractic care, depending on the plan.Tariff benefits for services including naturopathy, osteopathy, TCM and chiropractic care
Vision aids
up to EUR 500
Reimbursement for vision aids under the plan.SDK tariff benefit for vision aids, reimbursed at 100% in every tier up to the pot limit. A potential IKK bonus can help carry the premium for it.
Plan terms and health disclosures determine eligibility. Treatment already recommended is not automatically covered.The actual amount and availability depend, among other things, on the selected tariff, its conditions and documented bonus activities.
Plan, bonus and requirements
Depending on the tariff and personal eligibility, patients may be able to use up to EUR 3,000 in tariff benefits over two years. The IKK bonus does not come on top. It can help with the premium for the supplementary cover, up to EUR 810 a year under the statutes, depending on documented activities.
No insurance advice by the practice. Policy terms and health declarations determine cover; treatment already recommended is not automatically insured.
The actual amount and availability depend, among other things, on the selected tariff, its conditions and documented bonus activities.
For your practice or specialist shop.Who is Healio for?
For practices and specialist retailers whose patients or customers regularly co-finance healthcare services themselves.
Naturopaths
Naturopathic care under the plan.Tariff benefits for naturopathy may give patients additional financial room for planned treatments.
Osteopaths
Osteopathy under the plan.Osteopathic services may be partially reimbursed depending on the tariff and eligibility requirements.
TCM practitioners
Acupuncture, herbal therapy and Tuina under the plan.Depending on the tariff, benefits from the naturopathy budget may apply to acupuncture, herbal therapy or Tuina.
Chiropractors
Chiropractic care under the plan.Healio checks whether and to what extent chiropractic services are covered by the patient's individual tariff.
Optical shops and opticians
Vision aids under the plan.The SDK tariff provides up to EUR 500 for vision aids. A potential IKK bonus can help fund the monthly premium for this cover.
Midwives
Neutral information for families.You can neutrally point families to the information. Healio handles the individual check, advice and brokerage.
How the partnership starts.A clear process. Clear roles.
- 1
30-minute introduction
Explore the concept and process. You decide.We explain the concept, responsibilities and process. You then decide at your leisure whether Healio fits your practice.
- 2
Provide information
Cards, flyers or a QR code for your practice.You receive neutral cards, flyers or a QR code and decide for yourself where you want to refer to them.
- 3
Healio takes over
Patients contact Healio directly. We advise and arrange cover on request.Interested patients contact Healio directly. We check eligibility, provide individual advice and, if requested, broker a suitable solution.
Manageable practice effort
You provide neutral information or a QR code. Insurance advice and application support remain with Healio.
More financial room
A suitable health budget may reduce patient contributions. Patients decide for themselves whether and how to use benefits.
Take part without obligation
You make no commitment. You receive information materials and displays from Healio.
Responsibilities clearly separated
Your practice treats. Healio advises.
The partnership creates a simple information path without turning the treatment room into a sales conversation.
- Practice
Provide neutral information
You provide neutral information.You provide neutral information cards, leaflets or a QR code. Your team does not advise on plans, hold sales conversations or receive commission for contacts or policies.
- Patient
Decide voluntarily
Patients decide for themselves and contact Healio directly.Patients use the QR code independently and choose freely whether to get in touch. Your practice does not pass any patient data to Healio.
- Healio
Check, advise and support
We check, advise and arrange cover on request.As an independent insurance broker, we check individual eligibility, explain benefits and limits and support the application if requested.
You remain professionally independent and focus on treatment.
Roles and responsibilities
Practice: You provide neutral information cards, leaflets or a QR code. Your team does not advise on plans, hold sales conversations or receive commission for contacts or policies.
Patient: Patients use the QR code independently and choose freely whether to get in touch. Your practice does not pass any patient data to Healio.
Healio: As an independent insurance broker, we check individual eligibility, explain benefits and limits and support the application if requested.
You remain professionally independent and focus on treatment.
Frequently asked questions about the partnership
Responsibilities, benefits and requirements explained clearly.
Good information strengthens the relationship with your patients.
Many patients want to continue their treatment but are held back by out-of-pocket costs. A neutral introduction to possible health-insurance bonuses and suitable supplementary cover gives them another basis for an informed decision.
Your role stays clear: you treat and inform. Healio explains the financial options and supports interested patients with the next steps.
This creates value without sales pressure: your patients know their options, and you decide how the information pathway fits into your practice.
Let’s get to know each other.Is Healio right for your practice?
In 30 minutes, we explore whether Healio fits your practice.In 30 minutes, we clarify the concept, responsibilities and process. You then decide whether you want to offer this information path to your patients.
Appointment booking after your approval
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And who protects you?
Professional liability, practice interruption, occupational disability and Rürup pensions – combined professionally, organised digitally and supported personally.
The right solution depends on your profession, protection needs and existing cover.
Short check, free and without obligation
Good care needs clear paths.
30 minutes. Clear roles. An honest decision.