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Medal/Allianz OPTION B ….. Is this enough coverage for Hospitalization/Surgery?

5 years ago
Hello,

I’ve received info from Medal re the coverage and rates for the Allianz Option A and Option B private insurance plans.

I’d like to know if anyone who is on the OPTION B plan that has the 40.000 € inpatient hospitalization/surgery coverage, has had to use this coverage for a hospital stay and whether they feel this is enough coverage to maintain.
Given the cost of a hospital stay here in the U.S. is astronomical for even a 24-48 hour stay, my husband and I are hesitant to opt into the lower Option B coverage but the premiums for the Option A coverage with the higher limit of 125.000€ for the inpatient hospitalization/surgery coverage is close to double the cost of the Option B plan.

Just trying to get a feel for what is sufficient coverage to maintain with the private insurance.

Thank you in advance for your input.

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