Price from
€15.00
Healthcare
HealthcareEditorially reviewed 02/09/2026
HZZO supplementary health insurance
Find out how to take out an HZZO supplementary health-insurance policy and when cover starts.
Usual time
Usually after a 15-day waiting period
Responsible institution
HZZO
How to apply
This procedure has one application method.
In person, by post or through an employer
The signed offer can be submitted at any HZZO office, sent by post or delivered through an employer.
Required documents
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In person, by post or through an employer
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Steps
In person, by post or through an employer
- 1
Check compulsory insurance and possible exemptions
A supplementary policy complements compulsory health insurance; check whether you are entitled to a state-budget-funded premium.
- 2
Complete the offer
Enter the requested personal details, choose a payment method and sign the offer.
- 3
Deliver the offer to HZZO
Submit it in person, send it by post or deliver it through an employer.
- 4
Check the coverage start date
Do not rely on coverage before the prescribed waiting period stated in the policy has ended.
Prices and deadlines
| Procedure | Price | Deadline |
|---|---|---|
HZZO supplementary-insurance premium From 1 February 2026, the premium is EUR 15 per month or EUR 180 per year, unless it is paid from the state budget. | €15.00 | Usually after a 15-day waiting period |
Important notes
- Supplementary insurance is not a replacement for compulsory health insurance.
- A new policy generally does not cover co-payments immediately, but after the waiting period.
- Conditions for a state-budget-funded policy depend on the legal basis and can change.
Common mistakes
- Assuming the policy takes effect when the offer is submitted.
- Not checking the insurance start date on the policy.
- Missing a change in premium or payment method because HZZO notices are not followed.
Institutions
Official sources
Information was editorially reviewed on 02/09/2026. Before applying, check the latest information on official websites.
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