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Generali Private Health Insurance
- English Support: Limited; information and communication are primarily in German
- Digital App / Claims Handling: Digital tools available, including an app for submitting bills, alongside personal advisory support
- Best For: Expats who prefer clearly structured tariffs with defined benefit levels and are comfortable relying on individual advice during the application process
Generali Private Health Insurance – Company Overview
Generali is one of the leading insurance providers in Germany and globally, offering a comprehensive insurance portfolio across multiple segments. Within the health sector, private health insurance is positioned as part of a broader offering that also includes supplementary coverage and preventive services.
Compared with modular systems, Generali’s private health insurance structure is largely standardized, with variations primarily driven by plan level and deductible choices rather than extensive customization. In addition to standard plans for employees and the self-employed, Generali provides tailored tariff variants for doctors, students, and trainees, reflecting different career paths and insurance needs.
A defining feature is the combination of personal advisory services and digital functionality. Advisory services are typically provided by Deutsche Vermögensberatung (DVAG), which helps customers select suitable products based on their individual needs. While tariff selection and many decisions are made through this consultation process, Generali also offers comprehensive digital tools for everyday use, including app-based claims submission and access to reliable health programs and medical support services.
Key Health Insurance Tariffs
Generali health insurance is based on a 2-tier structure, combining cost-oriented entry-level plans with more comprehensive comfort tariffs. The overall system follows a consistent logic across different target groups, with variations primarily in reimbursement levels, service access, and deductible choices.
Entry-level tariffs such as GesundSmart (for employees and self-employed individuals) and GesundSmartA (for students and trainees) are designed as lower-cost options. These plans provide full core coverage across outpatient, inpatient, and dental care, but with reduced benefit levels in selected areas. This includes lower reimbursement for dental prosthetics, limited coverage for visual aids, and more basic hospital accommodation, typically in multi-bed rooms.
Comfort tariffs such as GesundPro and GesundProP, as well as their group-specific variants (for example, GesundProMed for doctors and GesundProA for students), offer a higher level of coverage. These plans include broader access to specialists, higher reimbursement rates for dental treatments and prosthetics, improved hospital conditions with specialist treatment and 2-bed rooms, and extended benefits for areas such as psychotherapy and visual aids.
Within each tariff, predefined deductible levels (e.g., Pro1-Pro3) determine how costs are shared between the insurer and the policyholder. Higher deductibles reduce the monthly premium, while lower deductibles increase the level of immediate reimbursement.
Overall, the structure remains consistent: the plan level defines the scope of benefits, while deductible choices primarily influence pricing and cost sharing rather than the underlying coverage.
Sick pay (Krankentagegeld) is not included by default and must be arranged separately for privately insured customers. In addition, Generali offers a separate supplementary insurance option for statutory health insurance members who want to cover income loss due to illness.
International coverage varies by tariff, with entry-level plans typically covering shorter periods abroad and higher-tier plans extending protection for longer stays, including medical repatriation.
Expat Reality Check
- Structured Tariff System with Clear Cost Control: Consistent plan logic combined with predefined deductible levels makes pricing and cost sharing predictable
- Advisory and Information Combined: Comprehensive information is complemented by individual consultation during tariff selection
- Strong International Coverage: Up to 12 months of worldwide coverage in higher-tier tariffs, including medical repatriation
- Attractive Refund Options: Contribution refunds of up to several monthly premiums in higher-tier tariffs
- Digital and Health Services: App-based claims handling combined with health programs and medical support services
- Limited English Support: Most communication and documentation are primarily available in German
- Less Modular Flexibility: Compared to modular systems, customization options are more limited
- Dental Limits in Entry Plans: Lower reimbursement levels and capped benefits in entry-level tariffs
Dental and Vision Coverage
Dental benefits follow a tiered structure across Generali’s private health insurance tariffs. Core treatments and preventive care are fully covered across all plan levels. Differences mainly apply to prosthetics such as crowns, inlays, and implants, with reimbursement set at around 70% in entry-level plans and increasing to around 90% in comfort tariffs. As is standard, reimbursement for more extensive procedures is subject to initial benefit limits in the first years.
Vision benefits are explicitly defined and vary by tariff. Entry-level plans include allowances of around €100 over two years, while higher-tier tariffs provide up to €300 within the same period. Coverage typically includes visual aids such as glasses and contact lenses and may also extend to procedures such as LASIK surgery.
In its supplementary insurance products for those with public insurance, Generali combines dental and vision coverage within its “Plan” tariffs. These packages bundle multiple benefits, such as prosthetics, visual aids, and travel coverage, into a single policy.
Alternatives to Generali Private Health Insurance
Traditional private health insurers are mainly differentiated by the complexity of their tariff systems and the flexibility they offer within predefined coverage levels.
- Allianz: Highly modular tariff system with extensive configuration options and a wide range of add-ons
- AXA: Broad and differentiated tariff structure with multiple performance levels and detailed customization
- Debeka: Strong focus on long-term premium stability with internally developed tariff systems and consistent benefit design
Digital providers focus on simplified access, English-language support, and fully digital handling of applications, contracts, and claims.
- ottonova: Digital insurer offering full private health insurance plans with app-based management across the entire customer lifecycle
- Feather: Provider with English-language support and a focus on accessible private health insurance solutions for expats
- Getsafe: Digital-first model combining a streamlined user interface with private health insurance products provided through partners such as Allianz and Hallesche
Generali combines structured tariff levels with a strong advisory component, supported by digital tools but with a lower degree of modular customization than some competing systems.
Conclusion
Generali private health insurance follows a consistent tariff model in which plan level and deductible primarily determine both benefits and pricing. Differences between entry-level and comfort tariffs are easy to identify without requiring extensive configuration.
Rather than offering a wide range of selectable modules, the structure remains fixed, with adjustments made through predefined plan variants and cost-sharing levels. At the same time, both tariff levels provide solid benefit levels, with higher-tier plans expanding on this foundation rather than introducing a fundamentally different coverage concept.
For expats, Generali is suitable for those who prefer a predictable framework with transparent differences between plans. Personal consultation plays a central role in tariff selection, complemented by digital tools for claims handling and ongoing administration, although most communication remains in German.
Frequently Asked Questions
Does Generali offer different tariff options for specific groups?
Yes, Generali provides tailored tariff variants for different groups, including employees, self-employed individuals, doctors, students, and trainees. These plans follow a consistent structure, with differences mainly in positioning and pricing rather than entirely separate benefit systems.
How are deductibles structured in Generali private health insurance?
Generali uses predefined deductible tiers (Pro1 to Pro3) within each tariff, rather than allowing fully flexible selection. These levels are directly linked to the premium and define how much of the annual healthcare costs must be covered before the insurer begins reimbursement.
How does international coverage work in Generali private health insurance?
International coverage depends on the selected tariff. Entry-level plans typically cover shorter stays abroad, while higher-tier tariffs extend coverage for longer periods and include benefits such as medical repatriation.
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