Health Insurance 2026 - Which Basic Services Are Being Secretly Cut

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Stars (1 / 1) 16.02.2026 16:16 / Simo

Berlin is freezing — and many of us are freezing at the purse strings: Without much ado, insurance companies have been cutting basic services in recent years, and you only notice it when the bill arrives. Read on to get the whole story!

What has actually been eliminated

In 2026, health insurance companies offer on average about 10% fewer basic services than five years ago. Particularly affected: homeopathic and alternative treatments, which were more frequently covered in the past, as well as certain services in the field of mental health.

Who pays the price?

Insured persons suddenly face high out-of-pocket costs because expected services are no longer valid. Many report the bitter surprise at the naturopath or therapy costs that are not reimbursed.

How to avoid the next shock

Regularly check your policy, call the insurance company or look on the website. Info flyers are even available in drugstores or supermarkets - ask in your circle of friends and neighbors for experiences.