How complementary health insurance works alongside SGK: coverage, contracted hospitals and out-of-pocket differences.
From appointment to pre-authorisation — and what to do when something goes wrong.
It suits anyone with SGK cover — but the right plan depends on how you actually use healthcare.
Two policies at the same premium can be worlds apart if one excludes your hospital.
It pays the gap between what SGK covers and what a contracted private hospital charges — at a much lower premium than private cover.
One question usually settles it: are the hospitals you want contracted with SGK?
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