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Old 13.11.2009, 11:59
ljm ljm is offline
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Re: Private & Semiprivate Health Insurance? Worth it? (especially for children)

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I have been told that there is not much point in having private for children (vs semiprivate) as there are no private rooms anyway for children.

Regarding semiprivate vs general (allgemein) I would definitely choose semiprivate. There is a difference as to how you are treated for sure. How much effort your pediatrician put into helping you get an appointment with that specialist etc.

Also be aware that it is not granted that your children later can move from allgemein to semiprivate. In case they get some cronical issues they will most likely be denied such move or it will be very expensive.
I tend to agree with this. My employer contributes to a semi-private insurance for my whole family, so the level of coverage is very good. I am not so sure about private unless your child has a very serious condition.

I was paying complementary private insurance for my children for 3 years. When my daughter had to undergo a minor surgery she shared a room as the hospital told us they did not have private rooms for children. And certain treatments were still not fully reimbursed even through private insurance (eg homeopathy, psychologist). I cancelled the policy because I did not see much point anymore.
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