Outpatient. Dental. Hospital. Pet.
Supplementary health insurance. Only where it matters.
For you or your pet: Healio guides you directly to the right area of cover – clearly, independently and without unnecessary modules.
Understand first, then insure
Which costs do you want to carry yourself – and which do you not?
Four areas. One deliberate decision. Healio shows benefits, limits and the right next step.
Four paths to cover
Where would you like stronger protection?
For you: outpatient, dental or hospital. For your pet: a dedicated area of cover. Go directly to the topic you need.
Everyday health
More freedom for treatments that matter to you.
Depending on the plan, cover can include alternative practitioners, osteopathy, additional preventive care, glasses and other outpatient services.
For people who use alternative practitioners, osteopathy, glasses or preventive care – and do not want to carry all of these costs themselves.
- Alternative medicine and osteopathy
- Glasses and additional preventive care
Limit out-of-pocket costs
Choose dental quality – not just the lowest price.
Dental supplementary insurance can make out-of-pocket costs for prosthetics, treatment and preventive care more predictable. Reimbursement, limits and conditions matter.
For people who do not want higher-quality dental care to depend on their bank balance.
- Dental prosthetics and implants
- Treatment and preventive care
More choice in hospital
Important decisions are better made before admission.
Depending on the plan, private medical treatment, a private or semi-private room and additional costs related to a wider hospital choice may be covered.
For people who want more say over treatment and accommodation in hospital.
- Private medical treatment
- Room comfort and hospital choice
For your animal companion
Protect against veterinary costs before they become a burden.
Depending on the plan, pet health or surgery insurance can cover high treatment costs after illness or an accident.
For owners choosing between comprehensive health cover and focused surgery cover.
- Comprehensive or surgery cover
- Compare benefits and limits clearly
Quick orientation
Not every gap is your gap.
The right protection starts with your priorities, not with a plan. These four questions create more clarity than any product shelf.
Clarify my needsOutpatient
you regularly use services beyond statutory health insurance.
Which services are covered – and which budgets, reimbursement rates and exclusions apply?
Dental
you want higher-quality care for dental treatment and prosthetics.
How much is reimbursed, which limits apply in the first years – and what about treatment already recommended?
Hospital
you want more choice of doctor, hospital or room.
Which optional services and fee limits apply – and which health questions must you answer before taking out cover?
Pet
you want to make veterinary or surgery costs for your dog or cat more predictable.
Do you need comprehensive health cover or focused surgery cover – and which excess suits you?
Honest advice
More modules do not automatically mean better protection.
We do not recommend as much as possible. We recommend what fits your priorities, budget and situation. Sometimes that means several modules. Sometimes one is enough.
The question that falls short
Which plan is the cheapest?
The deciding question
Which costs are you willing to carry when it matters?
Benefits before promises
What matters is what the plan provides under the agreed conditions – not how impressive an advertising percentage looks.
Make limits visible
Waiting periods, initial limits, maximum amounts and exclusions belong before the decision, not after it.
Needs before product
A strong plan is only strong when its benefits match your real priorities.
Up to
3,000 EUR
health budget over 2 years
The outpatient Healio concept
When the elements work together, real room for health is created.
With the outpatient Healio concept, a suitable health fund bonus and supplementary insurance can work together. We clearly explain the requirements and show what the calculation looks like for you.
- Alternative practitioners and natural medicine
- Osteopathy and preventive care
- Glasses and other services
- Consider bonus and plan together
Actual benefits and your effective contribution depend on the selected plan, your personal situation and the health fund bonus you achieve.
How Healio works
A good decision does not require insurance language.
We translate conditions into clear consequences and remain personally available after the policy begins.
Clarify priorities
We start with your daily life, your preferences and the costs you do not want to carry yourself.
Understand conditions
Benefits, limits and relevant differences are explained in clear language.
Decide consciously
You choose the cover that fits – and continue to have a personal contact afterwards.
Your next step
You do not have to insure everything today. But you should know what you leave open.
We clarify your needs and show you the right next steps – clearly, personally and without sales pressure.