Our Insurance Products
Comprehensive informational overview of our funeral expense and supplemental health insurance products — designed to protect you and your family.
Funeral Expense Insurance
Sterbegeldversicherung
A funeral in Germany typically costs between €5,000 and €15,000 depending on the type of burial, location, and chosen services. Most statutory health insurances no longer cover these costs. Our Sterbegeldversicherung ensures that your family receives a defined lump-sum benefit upon your death — sufficient to cover burial or cremation expenses.
This product is not a savings plan. It is a life insurance policy held within the mutual association, designed purely to ease the financial burden on surviving family members.
Burial Coverage
Covers earth burial, cremation, and associated costs.
Administrative Relief
Funds can be used for obituaries, certificates, and related costs.
Lifelong Protection
Cover does not expire — it is valid for your entire life.
Named Beneficiary
Benefit is paid directly to your chosen person or funeral home.
The Path to Coverage
Enquire & Receive Information
Contact our office by phone or email. We will send you a detailed information pack explaining the product, contribution levels, and conditions — at no obligation.
Submit Your Application
Complete the membership and insurance application form. Basic health questions may be required depending on the chosen benefit amount and your age.
Receive Policy Confirmation
Once accepted, you will receive your policy documents confirming your membership, benefit amount, and monthly contribution.
Benefit Paid When Needed
Upon your death, your named beneficiary contacts SONO with the death certificate. The benefit is paid promptly to cover funeral expenses.
Supplemental Health Insurance
Krankenzusatzversicherung
Germany's statutory health insurance (GKV) provides broad coverage, but significant gaps exist — particularly for dental care, hospital amenities, and income during extended illness. Our supplemental health insurance products are designed to bridge those gaps.
These products are intended for those already insured under the statutory system (Kassenpatienten) and function as a meaningful upgrade to the coverage already in place.
Daily Income Replacement
If illness prevents you from working, this product pays a daily benefit to supplement statutory sick pay and protect your income.
Hospital Daily Allowance
Covers additional costs incurred during a hospital stay — such as parking, meals, and personal items — by paying a fixed daily sum directly to you.
Enhanced Dental Coverage
Significantly increases the refund rate for dental treatments, crowns, and prosthetics beyond the statutory fund's standard contribution.
Dental Implant Coverage
Dental implants are rarely covered by statutory health insurance. Our implant product provides financial support for this often costly but necessary procedure.
Questions About Our Products
Interested? We Are Here to Help.
This page is for informational purposes only. For questions about eligibility, contributions, or to request product documentation, please contact our team directly.