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Badent & Klemm Consulting – Your independent insurance broker for the whole family

Private health insurance

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Experience the numerous advantages of private health insurance - presented in a compact and clear manner!

Discover private health insurance as an interesting alternative to statutory health insurance. Find out here whether private health insurance could benefit you. We'll help you determine if private health insurance is right for you. You may benefit from the more comprehensive benefits and potentially lower premiums of private health insurance.

The extended services of the private
Health insurance: Free choice of doctor, comfortable room,
Treatment by a senior physician and more. 

Private health insurance offers a range of benefits not included in statutory health insurance. Here are some of the outstanding benefits you can enjoy with private health insurance:

  1. Free choice of doctor: With private health insurance, you have the option of choosing your own doctor. You are not bound to specific general practitioners or specialists.

  2. Single/double room: In the event of hospitalization, private health insurance often gives you the option of choosing a single or double room. This provides you with more comfort and privacy during your recovery.

  3. Treatment by a senior physician: Private health insurance offers the option of being treated by a senior physician. These specialists possess extensive experience and expertise and provide first-class medical care.

  4. Alternative healing methods: Private health insurance can also cover alternative healing methods, such as homeopathy, acupuncture, or naturopathic treatments. This gives you a wider range of treatment options.

  5. Extended dental services: In the field of dentistry, private health insurance often offers more comprehensive services than statutory health insurance. These include, for example, higher reimbursements for dentures or professional teeth cleanings.

  6. Private doctors: With private health insurance, you often have access to a network of private doctors. These doctors offer individualized care and shorter waiting times for appointments.

  7. Faster appointment scheduling: With private health insurance, you can usually schedule appointments with specialists more quickly. This allows for faster diagnosis and treatment.

  8. Premium refund: Some private health insurance plans offer the possibility of receiving a premium refund if no or only minimal claims were made during the policy year. This option can be an attractive way to save money.

It's important to note that the specific benefits offered by private health insurance can vary depending on the insurance plan and provider. To gain a comprehensive overview of your personal benefits under your private health insurance, it's essential to review your individual policy terms and the scope of coverage.

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The services

Statutory health insurance funds (GKV)
The scope of services provided by statutory health insurance funds is precisely defined, but many sensible medical measures are not taken into account.
  • The choice of doctor with statutory health insurance is generally free, but limited to one general practitioner per quarter and three specialists.
  • Statutory health insurance companies do not cover the costs of treatments by alternative practitioners and do not reimburse prescribed prescriptions.
  • For dental prosthetics, statutory health insurance companies only reimburse a portion of the costs, specifically within the framework of the so-called standard care. This generally includes only very basic solutions.
  • Some statutory health insurance funds offer bonus payments if no services have been used.
Private health insurance (PKV)
Insurance companies that offer private health insurance usually have a more comprehensive and flexible range of services.
  • In private health insurance, the insured has access to an exclusive network of doctors who treat only privately insured patients.
  • Treatments by alternative practitioners are only covered by private health insurance.
  • For inpatient treatments in private health insurance, individual agreements can be made, such as a stay in single or double rooms and treatment by the head physician.
  • Depending on the tariff in the private health insurance, costs for dental prostheses can be reimbursed up to 70% to 100%.
  • All insurers offer premium refunds for unused benefits.
  • It is possible to take out daily allowance insurance in case of illness or need for care.
  • The scope of health insurance can be individually extended, even to worldwide validity.
  • The wide range of tariff options in private health insurance is complemented by an equally high degree of flexibility when changing tariffs within the insurance providers.
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Your contact persons

Man in a black turtleneck stands against a glass-walled office with frosted horizontal stripes.
Philipp Badent
Man wearing a navy polo shirt stands in a bright office with frosted glass panels behind him.
Jannis Klemm

Your contact persons

Man in a black turtleneck stands against a glass-walled office with frosted horizontal stripes.
Philipp Badent
Man wearing a navy polo shirt stands in a bright office with frosted glass panels behind him.
Jannis Klemm

Subject areas

Doctor in white coat with stethoscope signs a document at a desk, assisting a patient.
Health

Subject areas

Doctor in white coat with stethoscope signs a document at a desk, assisting a patient.
Health

Tailor-made solution

To best support you in your decision to switch to private health insurance, we conduct a detailed consultation. This will cover all relevant aspects that are important for your decision.

Individual service requirements

We take your individual needs into account, because one of the major advantages of private health insurance is that the plan can be tailored to your personal preferences. You can choose and customize benefits such as treatment by a senior physician, alternative medicine practitioners, or a private room.

Living conditions

Your personal circumstances also play a crucial role. If you have family responsibilities, you may need specific support in deciding for or against private health insurance. Your financial situation also influences this decision.

Life planning

Planning your life goals is another important factor. If you intend to live abroad for a limited time, spend part of the year there, or even emigrate permanently, private health insurance is usually the better choice.

It's important to note that the cost of private health insurance increases with age. The longer you're a member, the better your reserves are for the policy and the more moderate the premium increases will be.

Health situation

Finally, we also take your individual health situation into account. We know from experience that health problems are assessed differently and this can lead to varying risk surcharges. We will advise you transparently and openly regarding any potential impact on your premium.

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Frequently Asked Questions (FAQ)

Switching from statutory health insurance to private health insurance is possible under certain conditions:

  • If you are a civil servant
  • If you are a student
  • If you are self-employed
  • If your income regularly exceeds the income threshold of 66,600 euros per year (as of 2023).

It is generally possible to cancel your private health insurance. However, the cancellation only takes effect once a new insurer has been found and this has been proven to the canceled company.

When switching from one private health insurance provider to another, a new health examination is required. This involves a reassessment of individual risks.

Private health insurance companies build up reserves for each policy. The longer you are insured with a company, the more beneficial these reserves are for the premium structure and stability. These reserves are largely lost when switching insurance companies. For policies concluded after 2009, reserves can at least be transferred up to the amount of the basic premium.

However, a change in tariff has no impact on the existence of the reserves.

Under certain conditions, it is possible to return to the statutory health insurance system:
1. Employees: If an employee's salary falls below the compulsory insurance threshold, they can return to the statutory health insurance scheme.
2. Self-employed persons: Self-employed persons who take up employment and whose income is below the compulsory insurance threshold can insure themselves in a statutory health insurance scheme.
3. Students: After deregistration, privately insured students can switch to statutory health insurance.
It should be noted that people who have reached the age of 55 cannot switch from private health insurance to statutory health insurance.
To be accepted into the statutory health insurance scheme for pensioners, certain conditions must be met. One must have a statutory pension entitlement and fulfill the required prior insurance period. This means having been insured under a statutory health insurance scheme, either through mandatory or voluntary means, for nine-tenths of the second half of one's working life.

An individual risk assessment, also known as a health check, makes it possible to identify a person's specific risk factors. If above-average risks are identified, these can lead to a risk surcharge on the premium, which is determined according to the company's internal guidelines.

As an alternative to increasing premiums, existing customers can often be offered the option of removing services in the area of increased risks from the service catalog.

The following factors can lead to risk premiums:

  • Overweight or underweight
  • Critical health behaviors (e.g., consumption of alcohol, nicotine, or other drugs)
  • Dangerous leisure activities
  • Certain pre-existing conditions
  • Chronic diseases
  • Hereditary diseases in the family
  • Particular susceptibility to danger in professional activities
  • Heart and circulatory problems

Even symptoms and complaints generally considered non-threatening can lead to risk surcharges, such as:

  • Visual disturbances
  • varicose veins
  • Allergies, including hay fever
  • High blood pressure
  • Meniscus problems

Certain diseases, especially those with a slowly destructive course (such as multiple sclerosis) and mental illnesses, are classified as uninsurable by private health insurers.

Our insurance and financial advisors analyze your personal situation and present you with tailored solutions. We also consider providers who specialize in specific professional groups. The services you require play a crucial role in determining the premium.
To conduct a detailed analysis of the policy terms, we use independent consulting software. This software is familiar with all tariffs and compares the terms and conditions of various insurers. This allows us to ensure that all our customers are fully informed about all benefits in advance.
In addition, we offer you:
  • Excellent advice from our qualified insurance consultants
  • Comprehensive analysis of the terms and conditions of all selected insurers
  • Individual contribution calculations for private health insurance in retirement age
  • Comprehensive solutions for reducing contributions from a single source
You have the option to change your private health insurance (PKV) plan once a year. By carefully selecting a new plan, you can save up to 40%. If you find that you can no longer afford your current plan or that it no longer offers the benefits you need, we recommend considering a change.
However, please note that changing your plan is only possible at any time if the new plan does not offer any improvement. If you wish to switch to a plan with higher coverage, a new health assessment is required.
Civil servants, students and self-employed individuals have the option of taking out private insurance without any special requirements.
Employees are limited by the contribution assessment ceiling, which currently (as of 2022) stands at a gross annual income of €64,350. This income level is often reached by young academics after a few years. Employers can provide a tax-free subsidy amounting to half of the private health insurance contribution.
Although the financial advantages are obvious, it is important to consider all aspects when choosing the appropriate tariff with expert advice, especially with regard to family planning.
There are various reasons that can lead to higher costs in private health insurance. These factors include age, health status, tariff adjustments, as well as individual benefits and supplementary insurance.

Yes, it is possible to change your plan within your private health insurance. You can adjust your plan to, for example, expand your benefits or optimize your costs. I would be happy to help you make the right plan change.

Private health insurance is primarily suitable for the self-employed, freelancers, civil servants, and high-earning employees. Individuals who are not subject to mandatory statutory health insurance can take out private insurance.

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