Health & Life

Complementary Health Insurance

SGK plus the private hospital difference

Complementary health insurance works on top of SGK. You are treated at a contracted private hospital, SGK pays its share, and the policy covers the difference. It costs noticeably less than full private health insurance because it is not doing the whole job alone.

What it covers

The private hospital difference

The gap between what SGK pays and what the private hospital charges, at contracted hospitals.

Inpatient treatment

Surgery and hospital stays within the contracted network.

Outpatient treatment

Doctor visits and tests, usually capped at a number of visits per year.

Emergencies

Emergency admission within the network.

What to watch for

You must be an active SGK member. Without SGK the policy does not work at all.
It only functions at hospitals contracted with both SGK and the insurer — a narrower list than full private health cover.
Treatments SGK does not recognise fall outside the scope.
Outpatient visits are typically limited per year.
Where SGK pays nothing, the policy generally pays nothing either.

Who it is for

People with SGK who want private hospital treatment without the full cost of private health insurance. It is the most common middle path for salaried employees.

What we add as a broker

The whole value of this product is the hospital list. A policy that does not include the hospital you would actually go to is cheap for a reason. We start from where you live and which hospitals you would use, then work backwards to the policy.

Frequently asked

What is the difference from private health insurance?

Private health insurance can carry the cost on its own and has a wider hospital network. Complementary cover works only alongside SGK, at a narrower list of hospitals, and costs considerably less.

What happens if I lose my SGK cover?

The policy effectively stops working, because it is designed to top up SGK. If your employment status is about to change, tell us — sometimes moving to a full private policy is the better call.

Can I use any private hospital?

No. Only hospitals contracted with both SGK and your insurer. We check that list against the hospitals you would realistically use before recommending anything.

Let us compare 30+ insurers on an identical cover set for complementary health insurance.

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