Private medical insurance
How fixed-benefit hospitalization, surgery, and outpatient cover interact with public insurance.
Private medical insurance pays contractually defined daily, surgical, or lump-sum benefits on top of public cover; it supplements rather than replaces public health insurance and is optional unless the residual 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 to interpret exclusions.
Review due: 2026-10-30
Key points
- Most retail policies pay fixed benefits, not your actual bill.
- Public high-cost protection already limits eligible cost-sharing monthly.
- Compare hospitalization days, surgery definitions, and renewal — not a daily amount alone.
- Small predictable gaps can be cheaper to self-fund from savings.
Test the residual gap
Model several calendar months of the public ceiling, add uncovered room and meal charges and realistic lost income, then subtract sickness allowance, paid leave, and savings. Buy only if the policy materially closes 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.