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German healthcare enjoys a high international reputation and consists of two pillars – statutory health insurance (GKV) and private health insurance (PKV). Both offer first-class benefits. In recent years, however, statutory health insurance in Germany has increasingly limited itself to basic coverage in order to reduce costs. Benefits such as vision aids, high-quality dental prosthetics, and funeral expenses have been eliminated. Furthermore, co-payments and out-of-pocket expenses for medications, medical aids and appliances, as well as hospital stays, have risen significantly. More and more high-quality healthcare services and alternative medicine are becoming private matters. For this reason, many people are open to suitable private supplemental insurance to complement their statutory health insurance or are considering switching to private health insurance altogether.
Public or private
Statutory health insurance (GKV)
Contributions to statutory health insurance (GKV) are set according to general cost developments and can be adjusted by the government at any time. There are also income-related contributions. However, the contribution amount is limited by the contribution assessment ceiling (BBG), which in 2023 was [amount missing] per month. 4987,50 € lies.
For an insured individual without children, the maximum contribution to statutory health insurance (GKV), including long-term care insurance, was approximately €962.59 per month in 2023. In comparison, private health insurance typically charges lower premiums. This allows you to enjoy not only more comprehensive benefits but also a lower premium.
Private health insurance (PKV)
Private health insurance (PKV) offers flexible benefits that can be tailored to your individual needs. PKV plans typically provide more comprehensive coverage, and you can rely on receiving the agreed-upon services. In contrast, statutory health insurance is subject to changes at any time due to political decisions, which can reduce the scope of benefits.
With appropriate planning and policy options, private health insurance remains affordable even in old age. Private health insurers build up so-called age reserves, which help to keep premiums stable or even decrease in retirement. You also have the option of choosing an additional policy for supplementary reserves. This policy is particularly attractive for employees, as the employer can contribute to the costs.
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Expert knowledge in health care?
Our extensive expertise in the field of health care enables us to offer you competent advice and support.
With sound expertise and many years of experience, we understand the various aspects of health insurance and can help you find the optimal coverage according to your individual needs.
From private health insurance to supplementary health insurance, we offer you a comprehensive range of services to ensure your health and financial security.
Our services in the field of preventative healthcare
Our expertise lies particularly in advising and brokering Private health insurance companies. We help you find the best insurance company and the optimal rate for your individual needs.
In addition, we support you in selecting supplemental health insurance to complement your statutory health insurance and obtain extra coverage for specific services such as dental prosthetics, alternative medicine treatments, or hospital supplemental insurance. Our services include comprehensive consultation, comparison of insurance offers, assistance with contract signing, and ongoing customer service.
Frequently Asked Questions (FAQ)
Employees and certain other groups are legally required to have health insurance and receive a fixed set of benefits. Self-employed individuals, civil servants, and high earners, on the other hand, can opt for private health insurance, which offers more customized benefit packages and greater flexibility in choosing doctors and treatment methods.
Private health insurance typically offers a more comprehensive range of services and often allows for faster doctor's appointments and better quality of treatment. It also provides access to a wider selection of hospitals. Furthermore, it allows for the selection of individual plans and supplemental benefits tailored to personal needs.
What factors influence the amount of premiums for private health insurance?
What factors influence the amount of premiums for private health insurance?
The amount of premiums in private health insurance varies depending on age, health status, desired scope of services and individual tariff options.
What services are typically included in private health insurance?
What services are typically included in private health insurance?
Depending on the plan, the benefits offered by private health insurance can vary. Commonly covered services include outpatient and inpatient treatments, dental care, medications, preventative checkups, and alternative therapies.
Useful supplementary insurance policies, such as dental insurance, hospital insurance, outpatient supplementary tariffs or daily sickness allowance insurance, can serve to close certain gaps in coverage within the statutory health insurance system.
How are services billed within a private health insurance system?
How are services billed within a private health insurance system?
As a rule, both private and public health insurance doctors always bill the patients directly for treatment costs. The patient can then submit the bill to their private health insurance company for reimbursement.
Are there waiting periods or health checks when using private health insurance?
Are there waiting periods or health checks when using private health insurance?
Yes, typically a health check is conducted when enrolling in private health insurance, taking into account existing illnesses or risk factors. Waiting periods can vary depending on the plan and insurance company.
It is generally possible to switch private health insurance providers. However, you should pay attention to notice periods and individual terms and conditions. It is advisable to seek comprehensive advice from an insurance expert before switching to ensure your individual needs and risks are taken into account.
When looking for suitable private health insurance, it is important to conduct a thorough analysis of your own requirements and to compare the different offers.
We possess in-depth expertise and are familiar with current market rates and services. We can offer customized solutions tailored to the specific needs and financial resources of our clients.
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