Plan 1 / 2 / 3
The basic cover
Closes the most important gaps at once: teeth, vision, preventive care and travel in a single module.
- Dental prosthetics up to 90 % incl. implants
- Vision aids up to 300 €, including LASIK
- Worldwide travel cover abroad
← Health insurance · Supplementary insurance
Health insurance · Mein Gesundheitsplan
Right where statutory cover stops.
Statutory health insurance (GKV) covers the basics. High-quality dental prosthetics, a chief physician, a single room or natural remedies you'd otherwise pay for out of your own pocket. “Mein Gesundheitsplan” from Generali closes exactly these gaps – modular and from just a few euros a month. Planned personally with you.
Product partner Generali
Modules freely combinable
Advice free of charge
01 · The gap
For those on statutory cover, health keeps getting more expensive.
For dental prosthetics there's only a fixed subsidy; many preventive services, natural remedies and hospital comfort aren't covered at all. What's left, you pay yourself – and often exactly when things are already hard.
1.500 €
is what roughly one in five Germans pays out of pocket each year on top for health services. From age 70, it averages 3.500 €.
Ø 14,3
teeth are missing in seniors on average. High-quality replacements like an implant quickly cost several thousand euros.
fixed subsidy only
is what the health fund pays towards dental prosthetics. Without supplementary cover, you carry most of the bill yourself.
Important: such benefits are guaranteed for the long term only privately. Statutory benefits have been cut back again and again in the past – private supplementary insurance has not.
02 · The modules
One plan, five modules. You choose what fits you.
“Mein Gesundheitsplan” steps in exactly where statutory cover reaches its limits – entirely to suit your needs. You combine individual modules or the all-around package.
PlanZahn 1 / 2 / 3
High-quality dental cover
The plan focused on one core benefit: first-class care for your teeth.
- Dental prosthetics, inlays & crowns up to 90 %
- Root canal & periodontal treatment
- Professional teeth cleaning up to 200 €
PlanAmbulant
More than conventional medicine
Natural remedies, preventive care and telemedicine – up to 1.200 € over two calendar years.
- Naturopaths & natural healing methods
- Preventive care with no age limit, vaccinations
- Telemedicine: a doctor by video, around the clock
PlanStationär
Best care in hospital
When it counts, first-choice treatment: the doctor of your choice and peace and quiet to recover.
- Chief-physician & attending-physician treatment
- Single or double room
- Free choice of hospital, rooming-in for your child
PlanJunior
Cover for children & teenagers
Protected from the start, with strong benefits for teeth, hospital and braces.
- Orthodontics up to 3.600 €, even without a GKV grade
- Dental prosthetics, preventive care & travel cover
- Sign up until age 20, then continues automatically
Your plan
Freely combinable
You don't have to take everything. Together we'll see which cover really matters for your stage of life.
- Individual modules or all-around cover
- Premium depends on entry age
- Expandable later thanks to the health guarantee
03 · Worked examples
What it means in practice, in euros.
Illustrative bills from Generali. They show how much of the bill you're left with in the end – with and without supplementary cover.
Dental
Implant for a molar
Implant bill3.800 €
Fixed subsidy from statutory health insurance− 530 €
Without supplementary cover you pay3.270 €
With Plan 1 you pay only380 €
Hospital
Surgery by the chief physician
Extra cost of chief physician & single room6.098 €
Statutory health insurance benefit0 €
Without supplementary cover you pay6.098 €
With PlanStationär you pay0 €
Child
Braces with no statutory benefit (KIG 2)
Treatment with clear aligners3.973 €
Statutory health insurance benefit0 €
Without supplementary cover you pay3.973 €
With PlanJunior you pay only795 €
Outpatient
Acupuncture & homeopathic medicine
Treatment bill1.320 €
Statutory health insurance benefit0 €
Without supplementary cover you pay1.320 €
With PlanAmbulant you pay only264 €
04 · Health guarantee
Secure today what tomorrow may no longer be possible.
The VIP ticket for your health
Good health can't be taken for granted. If a chronic illness develops later, you often can't get good cover anymore – or only with risk surcharges. The health guarantee takes that worry off your shoulders.
With it, you can increase your cover every two years, without your health being reassessed.
- Increase cover without a new health assessment
- Without new waiting periods
- Every two years, up to and including age 49
- Especially valuable if you provide for children early
05 · Who it's for
When supplementary cover pays off most.
Families
Braces, glasses, hospital: with children, it quickly adds up. Insured early, the premium is low and the cover stays for life.
Self-employed & business owners
If you're on your own, you want the best care when it counts and no debate about costs. A chief physician and single room give you security.
Anyone who values prevention
Natural remedies, extra preventive check-ups and telemedicine: benefits that protect your health before anything happens.
06 · Frequently asked questions
Briefly explained, without the fine print.
What does statutory cover pay towards dental prosthetics?
Only a fixed, findings-based subsidy. For an implant costing over 3.800 €, that's around 530 € in the example – you carry the rest yourself. A supplementary dental policy like “Mein Gesundheitsplan” covers up to 90 %, depending on the plan.
Is private supplementary dental insurance worth it?
A single high-quality treatment quickly costs several thousand euros. In the implant example, your out-of-pocket share drops with Plan 1 from around 3.270 € to 380 €. Often the premium pays off with the first major treatment.
When should I sign up?
The earlier, the better. The premium depends on your entry age and you need to be healthy to be accepted. Anyone who signs up early secures low premiums and, with the health guarantee, the right to increase cover later without a new assessment.
What is the health guarantee?
It lets you increase your cover every two years, without a new health assessment and without waiting periods, up to and including age 49. That way you're still well insured even if an illness develops later.
Am I in the right place as someone on statutory cover?
Yes. “Mein Gesundheitsplan” is a supplement to statutory health insurance. It tops up your cover where the health fund pays nothing or only part. For the self-employed, we'll look at daily sickness allowance or full private insurance separately in conversation.
Your next step
Which cover fits your life?
We go through your situation calmly and put together exactly the modules you really need. Free of charge, no obligation, in person in Lüdenscheid or via video.
Illustrative bills and benefit figures from Generali (as of 01/2025), rounded. Actual costs, statutory fixed subsidies and reimbursements depend on the specific findings, the chosen plan and the care used, and may differ. Only the insurance terms and plans of “Mein Gesundheitsplan” from Generali Deutschland Krankenversicherung AG apply. The premium amount depends on entry age and the modules chosen. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG) and brokers as a tied insurance agent (Sec. 34d GewO, German Trade Regulation). This page is non-binding information and does not replace individual advice.