Don't Leave Your Health to Chance!

Health is our most valuable asset. However, unexpected health issues can strain both our spirits and our finances. For individuals with Social Security Institution (SGK) coverage, Complementary Health Insurance (TSS) is the most economical way to access high-quality, comfortable healthcare services at private hospitals.

As your insurance agency, we have gathered the key benefits, flexible payment options, and extensive coverage of Complementary Health Insurance to help you create the right protection plan for you and your family.

Complementary Health Insurance protects your budget by covering the out-of-pocket difference fees charged by SGK-contracted private hospitals. Here are the main advantages of TSS:

No More Co-Payments: You pay no out-of-pocket difference fees for doctor consultations, diagnostic tests, lab work, or surgical procedures at SGK-contracted private hospitals.

Budget-Friendly Premiums: Compared to Private Health Insurance (ÖSS), you gain comprehensive private hospital coverage at significantly lower premium rates.

Private Hospital Comfort: Skip long waiting lines and receive comfortable care from specialized medical teams at your choice of contracted hospitals and doctors.

Annual Tax Advantage: You can benefit from a 15% to 40% tax deduction by deducting your paid insurance premiums from your income tax base.

Lifetime Renewal Guarantee: By renewing your policy regularly (typically after 3 consecutive years), you can earn a "Lifetime Renewal Guarantee" depending on your insurer's terms, ensuring continued coverage even if new health conditions arise later.

Complementary Health Insurance policies consist of two main coverage tiers that can be customized to your needs:

1. Inpatient Treatment Coverage (Core Coverage)

Triggers at 100% coverage with unlimited limits for medical situations requiring hospital admission.

Surgical operations and pre-/post-operative hospitalization expenses

Intensive care, dialysis, and chemotherapy/radiotherapy treatments

Hospital room, meal, and companion expenses

Prosthetics and home care services

2. Outpatient Treatment Coverage (Optional Add-On)

Used within a designated number of doctor consultations per year (typically 8–10 visits annually).

Diagnostic tests, X-rays, MRI, CT scans, and laboratory work

Physical therapy and rehabilitation sessions

Additional Benefits: Depending on your policy, you may also enjoy complimentary dental care, an annual check-up, psychologist/dietitian consultations, and 24/7 online doctor support.

Payment Flexibility: Solutions That Ease Your Budget

Complementary Health Insurance supports your finances not only at the hospital, but also at the time of purchase:

Flexible Installment Options: Pay your annual premium in manageable monthly installments with up to 9 to 12 credit card installments.

Family Discount: Include family members (spouse and children) under your policy to unlock an extra 5% to 10% family discount.

No Unexpected Costs: Fixed premium payments ensure you will not face surprise medical expenses throughout the year.

Contact our agency today to determine the right Complementary Health Insurance plan for you and your loved ones, review contracted hospital networks, and discover customized discount options. Our expert team is just a call or a click away!