Private health insurance
Health from the insurance broker
„Health insurance reflects the desire for the best possible medical treatment in the event of illness."
Online service: Statutory health insurance comparison calculator
Individually tailored analysis of the market We will analyze the market for you
Based on your specific needs, we will analyze of the market, including providers who specialize in certain occupational groups. Premiums will depend on the coverage you require.
We can also perform an assessment of your desired coverage with the following aspects in mind:
- We can help you decide on the coverage you should obtain for the future, given the premium you are able to pay
- When making recommendations, we can also take into account related aspects such as service level and how stable the premiums of a particular insurer are
- In business since 1983, with in-depth expertise in private health insurance (PKV)
Independent broker and advisor offering outstanding service What makes us different
We are an independent insurance broker providing customized, independent advice to individual customers and corporate clients. We put you the customer at the centre of everything we do.
- Special terms & conditions: special terms & conditions with various providers
- Premiums: in some instances we can help you significantly reduce your premiums by switching insurer or by optimizing the insurance product
- Specialization: providers who specialize in specific occupational groups
- Independent: get a non-binding, free consultation with one of our full-time advisors
- Analysis: we have advisors who specialize in insurance products for civil servants and university graduates
- Portfolio: over 30 providers in our private health insurance portfolio
- Outstanding service: advice on how to tailor your individual coverage
- Comprehensive: outpatient, inpatient, dental or alternative practitioner – we can provide you with a comparison of the best insurance products
Did you know? Here are a few facts about private health insurance
95 %
of people with private health insurance feel they have very good medical coverage
- Very low complaint rate: 0,013 %
- Excellent performance: over €25 billion in insurance payouts per year
- A sense of responsibility: people with private health insurance take a €1,742 billion burden off the insurance system and hence off the shoulders of the next generation
- On many people’s wishlist: 17 million people would like to switch to private health insurance
- Future-proof: 87.7% of net income generated is used for policyholders
Source: Association of Private Health Insurers
Service Comparison calculator Online comparison: statutory health insurance
Not all employees or self-employed individuals earn above the minimum annual income threshold for private health insurance of 66.600 € p.a. (JAEG 2023).
Get help in your search for a suitable health insurer through our Online service: get a comprehensive overview of and access to the best statutory health insurers in a matter of seconds (please note: the comparison calculator is available in German only).
Request a consultation Get a personal consultation in 2 minutes
Please fill out the form as completely as possible. We will contact you shortly with suggestions for a suitable date and time for your personal consultation. You can reach us by phone at 069 / 71 70 75 40.
You ask We answer
How much does private health insurance (PKV) cost?
A private health insurance premium basically depends on the following criteria: start age, insurance product/insurer, health status and individual needs. In addition, distinctions are made between different occupational groups.
- Civil servants receive an allowance from their employer for their health insurance, and only have to pay for the percentage of the coverage not covered by that allowance.
- Employees initially pay the full amount, but they receive up to 50% back from their employer as an employer subsidy.
- Self-employed individuals have to pay for their health insurance themselves.
What does it mean to have private health insurance?
Unlike statutory health insurance, private health insurance is not a branch of social insurance. It is voluntary insurance where the minimum standards can be chosen independently. Statutory health insurance (GKV) is a statutory membership; private health insurance (PKV) is a binding contract under private law.
What are the advantages of private health insurance?
One of the main advantages of private health insurance is that you can put together your own insurance coverage. This means, for example, that you can get better services from a general practitioner, specialist or dentist, or in hospital. Private health insurance premiums are not incomebased. In contrast to statutory health insurance, private health insurance does not increase if your salary increases.
What is an excess on a private health insurance policy?
In the insurance industry, an excess (the US English term is ‘deductible’; other relevant terms include co-pay) is the portion that must be borne by the policyholder in the event of a claim (either annually, as a percentage, or per claim).
How can I switch from statutory health insurance to private health insurance?
Switching from statutory health insurance to private health insurance is usually possible under the following conditions: civil servants can switch at any time; employees must have a minimum gross income. A health check is required.
Why do doctors prefer private patients?
One advantage for doctors is that they can bill for the services they provide to private patients; by contrast, statutory health insurers usually only pay a flat rate per quarter for their patients, regardless of the number of patient visits.
Can I switch back from private health insurance to statutory health insurance?
Switching back from private health insurance to statutory health insurance is required in certain cases.
Examples:
- if your salary falls below the minimum annual income threshold (e.g. if you switch to working part-time)
- if your income falls below the minimum annual income threshold because the minimum annual income threshold has increased
- if you are unemployed, a student or an apprentice.
Exemptions may apply under certain circumstances, so that you can continue to be privately insured.
What are the issues surrounding insurance for newborn babies?
A newborn baby must be registered with the private health insurer retroactively within two months. The newborn baby is then considered to have full insurance coverage effective as of the date of birth. Insurance payouts are not allowed to exceed those for the privately insured parent. A newborn baby can also be insured with another insurer, where possible; a risk assessment based on the results of the baby’s U-checkups (U-Untersuchungen) is required. The same rules apply in the case of adoption. Depending on the baby’s health, the insurer may add surcharges (maximum: 100%) to the premium.