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Old 17.01.2021, 15:56
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kri kri is offline
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Re: Should I get supplementary insurance?

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Thanks for sharing your experiences!

The only thing that sounds significant to me is the free choice of specialists. Can I throw money at it ad-hoc?

The rest of the benefits sound like they are more a convenience thing that can be solved by paying a one-time sum for the wanted benefit instead of the monthly premiums. Am I wrong?

I don't understand what's the benefit of funneling part of the money for a gym membership through the health insurer. I guess it's just a way for them to motivate you to stay healthy (go to the gym -> pay lower premiums)?
Finding a specialist you can do under the basic by choosing the open model.

But some specialist may do survey only at private clinics so if you do not have private coverage, they may send you to other specialists. Not dramatic as public hospital is great. Jut something to consider.

Again, you will not want it until you might and then won't be accessible. This is very much down to your own preference.
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