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private krankenversicherung kosten offer extra coverage to families who have access to more than one insurance policy.

Take the instance of a married couple who both have coverage available via their employers. They could each choose to get their primary coverage via their respective employers, with the policy from their spouse's employer serving as secondary coverage.

Another option is for the both spouses to pick one insurance policy as major and one other one as secondary. In this case, they may choose the policy that supplies better coverage or has been in effect longer to be the major policy.

Why Buy Secondary Coverage?

Even with a secondary health insurance policy in location, you still usually need to pay co-payments and deductibles out of your very own pocket. So why get a secondary policy?

Secondary coverage offers extra protection from medical emergencies and charges. Via secondary plans, you may be reimbursed for further medical costs.

By way of example , if your major insurer pays a lower % of the cost than the secondary insurer would pay for exactly the same service, you can submit the remaining amount to the secondary health insurance plan. In addition, if you exceed the annual or life-time maximum benefits for your primary policy, you can turn to your secondary policy for further advantages.

Finding Secondary Health Insurance

So as to purchase a secondary plan, you have to 1st possess a major policy that supplies plus-one or family coverage.

A good way to locate a policy is to go to an insurance comparison site and get quotes from a number of businesses at the same time. Visitors to such sites simply enter their information and then A-rated companies will send them quotes.

Previous to selecting a quote to buy, make sure to check the certificate of coverage from the primary and secondary companies to see how they coordinate coverage.