When you pay for private or semi-private Supplementary Hospital Insurance, you are covering the costs of a free choice of doctor, additional comforts and accommodation benefits. In concrete terms, the latter translates to a one or two-bed room plus additional care services. We regularly renegotiate the tariffs associated with these benefits with the hospitals. During this process, we advocate fair prices and transparent pricing models, with a view to ensuring that your premiums remain affordable.
Such tariff negotiations can temporarily end in an impasse. If no agreement can be reached with the relevant hospital, this results in a so-called unregulated situation for the semi-private or private ward. Depending on the Supplementary Hospital Insurance, this means that as a customer you have to pay some or all of the costs yourself.
If Helsana cannot come to an agreement with a particular hospital, maximum tariffs may be temporarily imposed. This means that we only pay the maximum amounts set by us, so you may incur uncovered costs.
In order to ensure that maximum tariffs do not apply at your preferred hospital, please examine the following list:
If a hospital has not signed a contract with us, we will not assume any costs for an inpatient stay from Supplementary Hospital Insurance. In order to ensure that no uncovered costs arise, we will be happy to advise you and point out the possibility of being treated at other hospitals nearby.
In order to ensure that no unregulated situation exists where your preferred hospital is concerned, please examine the following list: