Supplementary health insurance.Only where it matters.
For you or your pet: we first clarify how cover can be financed, for example through the bonus from your statutory health fund.
Which costs do you want to carry yourself – and which do you not?
Four areas. One deliberate decision.
- Outpatient
- Dental
- Hospital
- Pet
- Independent insurance broker
- Personally available
- Conditions clearly explained
Outpatient. Dental. Hospital. Pet.
Which cover fits your needs?Supplementary health insurance.
Healio helps you find cover for treatment costs. Choose outpatient, dental, hospital or pet cover and compare benefits and premiums.For you or your pet: we first clarify how cover can be financed, for example through the bonus from your statutory health fund.
Independent advice. Personal support.
Four paths to cover
Choose your cover.Where would you like stronger protection?
Outpatient
OutpatientMore freedom for treatments that matter to you.
Naturopathy, osteopathy, glasses and screenings.Depending on the plan, cover can include alternative practitioners, osteopathy, additional preventive care, glasses and other outpatient services.
Explore outpatient coverKey question
Which services are covered – and which budgets, reimbursement rates and exclusions apply?
Which services are covered – and which budgets, reimbursement rates and exclusions apply?
Dental
DentalChoose dental quality – not just the lowest price.
Dentures, treatment and preventive care.Dental supplementary insurance can make out-of-pocket costs for prosthetics, treatment and preventive care more predictable.
Explore instant protection and dental plansKey question
How much is reimbursed, which limits apply in the first years – and what about treatment already recommended?
How much is reimbursed, which limits apply in the first years – and what about treatment already recommended?
Hospital
HospitalImportant decisions are better made before admission.
Room choice and private medical treatment.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.
Explore hospital coverKey question
Which optional services and fee limits apply – and which health questions must you answer before taking out cover?
Which optional services and fee limits apply – and which health questions must you answer before taking out cover?
Pet
PetProtect against veterinary costs before they become a burden.
Health or surgery cover for your pet.Depending on the plan, pet health or surgery insurance can cover high treatment costs after illness or an accident.
Explore pet health insuranceKey question
Do you need comprehensive health cover or focused surgery cover – and which excess suits you?
Do you need comprehensive health cover or focused surgery cover – and which excess suits you?
Outpatient
Which services are covered – and which budgets, reimbursement rates and exclusions apply?
Dental
How much is reimbursed, which limits apply in the first years – and what about treatment already recommended?
Hospital
Which optional services and fee limits apply – and which health questions must you answer before taking out cover?
Pet
Do you need comprehensive health cover or focused surgery cover – and which excess suits you?
Honest advice
Cover that fits your needs.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.
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
Make limits visible
Needs before product
Up to
3,000 EUR
health budget over 2 years
The outpatient Healio concept
More room for your health.When the elements work together, real room for health is created.
An insurer bonus and supplementary cover can work together. Your result depends on the plan and bonus achieved.
How does the budget work?
With the outpatient Healio concept, a suitable health fund bonus and supplementary insurance can work together.
Actual benefits and your effective contribution depend on the selected plan, your personal situation and the health fund bonus you achieve.
With the outpatient Healio concept, a suitable health fund bonus and supplementary insurance can work 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
Three simple steps.A good decision does not require insurance language.
Clarify priorities
Understand conditions
Decide consciously
Your next step
Unsure? Let’s talk.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.