5 tips to save on health insurance

1. Compare Health Insurance Providers 🔍

Many people stick with their current provider, but switching often pays off. Use independent comparison websites to review premiums, coverage, and terms in a side-by-side comparison.

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2. Consider a Higher Deductible 💶

Are you healthy, rarely see the doctor and don’t use much medication? Then raising your deductible from € 385 to, say, € 885 might be worth it. This can reduce your monthly premium by € 20 to € 30.

⚠️ Important: if you do face unexpected medical costs, you’ll need to cover the full deductible yourself.

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3. Pay Your Premium Annually Instead of Monthly 📅

Many insurers offer a discount (1% - 4%) if you pay the full year upfront instead of monthly installments. It may seem like a small saving, but on a premium of €1,800, that’s €18 to €72 per year.

👉 Tip: use money from your savings account for this or create a “health insurance” savings goal in the Grassfeld app to ensure you’ve saved enough by next year.

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4. Choose Between a Natura or Combination Policy

As of 2025, the restitution policy is no longer available, but you can still choose between these two types:

• Natura policy: Usually the cheapest. Your care is fully covered when you go to a contracted provider (like a hospital or physical therapist your insurer works with). If you visit a non-contracted provider, you’ll typically pay part of the cost yourself.
• Combination policy: Slightly more expensive, but offers more freedom of choice. Some care is still reimbursed even if the provider doesn’t have a contract with the insurer. Useful if you want to choose your own specialist or if your hospital isn’t contracted by the cheapest insurer.

👉 Tip: always check whether your GP, pharmacy or hospital is contracted by the insurer you’re considering. You can do this via the insurer’s online care finder. For most people, a natura policy is enough, but if you value freedom of choice, go for a combination policy.

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5. Only Choose Supplemental Insurance If You Really Need It 🦷💪

Supplemental plans may sound appealing, but they often cost more than what you’d spend out of pocket.

• Only go to the dentist once a year? It’s probably cheaper to pay directly than to purchase dental insurance.
• Occasionally need physical therapy? Do the math to see if the premium is worth the likelihood of using it.

👉 Tip: look back at your healthcare usage over the past two or three years to decide whether extra coverage is worth it.

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Never Overpay Again with Grassfeld

Health insurance is mandatory, but overpaying isn’t. By comparing smartly, adjusting your deductible, and reconsidering supplemental packages, you can save a lot.

👉 In the Grassfeld app, you can create a “healthcare” category to track exactly how much you spend. This allows you to evaluate whether additional coverage is worth it for next year and whether raising your deductible is a financially sound decision.

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