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Splitting basic and supplemental health insurance

Basic and supplemental health insurance do not necessarily have to be bought from the same provider. Health insurance providers may not terminate supplemental insurance policies if holders decide to switch providers for basic health insurance. They may, however, charge an additional fee to cover higher administrative costs that arise when basic and supplemental insurance are taken out with different providers. It is also possible for your provider of supplemental insurance to cancel any discounts you have had so far (family discount or collective discount). Only few insurers actually do this, though.

Here's what to do if you wish to buy basic and supplemental health insurance from different providers:

  • Before sending anything, make copies for future reference.
  • Send bills to your provider of basic health insurance. Inform the insurer that you have supplemental health insurance from another provider. Your basic health insurer will check the bill and send you a settlement.
  • Then you can send this statement along with a copy of the doctor's invoice to your provider of supplemental health insurance.
  • Sometimes you may receive two original invoices to forward to each provider. 
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