Do you need private medical insurance?
A decision framework after public health coverage and employer benefits.
First estimate insured cost sharing, non-covered expenses, and lost income after public and employer benefits; private medical cover is optional unless the remaining gap would destabilize you.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask the public insurer for a benefit estimate and an independent professional for help interpreting exclusions; disclose medical history accurately.
Review due: 2026-10-30
Key points
- High-cost protection applies to eligible treatment, not every expense.
- Employees may have sickness allowance; municipal NHI generally does not provide the same standard benefit.
- Cash savings can be a cheaper way to fund small, predictable gaps.
- Compare definitions, waiting periods, renewability, exclusions, and total premiums—not a daily benefit alone.
Run the gap test
Model several calendar months, because the public ceiling resets monthly. Add uncovered room and meal charges and realistic lost income; subtract sickness allowance, paid leave, employer benefits, household income, and accessible savings. Do not buy if the policy does not materially close the remaining gap.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.