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The tariffs of different providers of private health insurance vary significantly in terms of the benefits offered and their charges. We recommend insurers that guarantee benefits in the event of illness or accidents.
We also check for you whether the following benefits are offered:
- Direct access to and treatment by specialists
- Benefits exceeding the German Schedule of Fees for Physicians / Dentists
- Free choice of hospital
- Worldwide cover for temporary stays abroad
- Screening available
- Consistently high level of customer friendliness
- Stable premiums
Health insurance is not just a product.
Health insurance should reflect and fulfil your wish for the best possible treatment in case of illness or injury
Matthias Heil | Manager
We compare over 100 insurers
- Why do you need private health insurance?
- What are the advantages of private health insurance?
- Who is private health insurance suitable for?
- What are the benefits offered by private health insurance?
- What should you pay attention to when taking out private health insurance?
- Who can switch to private health insurance?
- Is private health insurance for €60 a month possible?
- How are the premiums for private health insurance calculated?
- You often hear that private health insurance at pension age is unaffordable. Is that true?
- How do you switch to private health insurance?
- When can I make use of my special termination right?
- What is private health insurance like in practice?
Why do you need private health insurance? Why do you need private health insurance?
Private health insurance is able to guarantee the best possible medical care or to meet your expenses, regardless of the treatment or prescription budgets we have grown familiar with in the statutory health insurance system. In contrast to the statutory system, private health insurance is not linked to income. There are also hardly any restrictions on the benefits.
What are the advantages of private health insurance? What are the advantages of private health insurance?
- Free choice of level of care / free choice of plans
- Level of care more comprehensive than in the statutory system
- Fair premium for private health insurance not linked to income
- Aging provisions to hold premiums steady in old age
- Premium for private health insurance dependent on plan selected
- Part of the premium for private health insurance is refunded if no benefits claimed
- Optimal care in the event of loss of earnings
- Additional bonuses for appropriate conduct (e.g. health bonus, lifestyle bonus, flat rates for trifling amounts)
Who is private health insurance suitable for? Who is private health insurance suitable for?
Private health insurance is basically suitable for CEOs, senior executives, entrepreneurs, freelancers and those eligible for government allowances (e.g. civil servants). These groups are generally entitled to take out private medical insurance. Employees are eligible if they are able to provide evidence of a minimum annual income of 57,600 euros (2017). This is the annual income threshold for 2017. Employees can therefore switch to private health insurance if they reach or exceed this income threshold. Otherwise they are obliged to insure themselves in the statutory health insurance system. Freelancers and the self-employed, on the other hand, have a choice, in principle, between private and statutory health insurance.
What are the benefits offered by private health insurance? What are the benefits offered by private health insurance?
- Free choice of hospital and doctors (incl. specialists)
- Compulsory long-term nursing insurance with extensions to top it up
- Gap caused by loss of earnings (in the case of incapacity for work) can be totally closed
- Option to call on alternative practitioners (depending on the plan)
- Option to call on private doctors (not certified for the statutory health insurance system)
- Up to 90% reimbursement for the cost of dentures
- Amenities in hospital (choice of doctor, choice of room (depending on the plan)
- Natural healing costs refunded (depending on the plan)
- Home nursing (depending on the home)
What should you pay attention to when taking out private health insurance? What should you pay attention to when taking out private health insurance?
Anyone wishing to take out private health insurance, should definitely stay away from "cheap rates". These cheap rates are used to entice customers but they barely form any provisions for aging. Instead there is a danger that the premium for the private health insurance will have to be adjusted in old age, causing it to rise rapidly. It is also important to know in advance how the premium for the private health insurance is calculated. Premiums for private health insurance are calculated independently of income but based instead on the insured's age on joining, condition of health and profession.
Who can switch to private health insurance? Who can switch to private health insurance?
Self-employed persons and freelancers can switch to private health insurance at any time. Civil servants can also take out additional private insurance as they receive allowances of at least 50%. What does that mean exactly? Civil servants are entitled to allowances from their employers and therefore receive subsidies towards their health insurance in the form of contributions towards the cost of their treatment. Such contributions usually run to 50-80% of the cost of treatment. The allowance can only be claimed in connection with private health insurance but not statutory health insurance. In contrast to statutory health insurance, it is therefore sufficient for civil servants to take out partial health insurance in the private system which is less expensive. The annual income threshold for 2017 amounts to 57,600 euros. This means that employees wishing to switch to private health insurance must be able to demonstrate a minimum gross income of 57,600 euros a year.
Is private health insurance for €60 a month possible? Is private health insurance for €60 a month possible?
Some providers advertise extremely low premiums for full private insurance. They claim that insurance can be had from 60 euros (net) per month. These rates really do exist but people must be actively discouraged from taking them up. Such rates only contain rock bottom benefits which in some cases don't even match those of the statutory health insurance system. In addition, there is usually also a high excess in the agreement. As the insured person grows older, these plans also become disproportionately expensive as scarcely any aging provisions are formed. An effective rate should not cost less than 200 euros a month, on average, if the insured person is young and healthy. Average entry premiums rise with advancing age.
How are the premiums for private health insurance calculated? How are the premiums for private health insurance calculated?
In contrast to the statutory health insurance system, the monthly premium for full private insurance is calculated in accordance with the insured's individual situation. Critical factors include their age on joining, their profession and the state of their health.
You often hear that private health insurance at pension age is unaffordable. Is that true? You often hear that private health insurance at pension age is unaffordable. Is that true?
A statutory surcharge of 10% is collected in addition to the premium for your plan until you reach the age of 60. This amount bears interest at 2.5% - 3.5% — even beyond the age of 60. If premiums increase from the age of 65, such increases can be funded from the existing capital. From pension age, there is no further need of any rate for a daily sickness allowance. This leads to a reduction in the premium. Pensioners receive a 7.3% subsidy towards their health insurance from the German Statutory Pension Insurance Scheme (www.deutsche-rentenversicherung-bund.de), regardless of whether they are insured in the statutory or private systems. This amounts to 146 euros a month for a pension of 2,000 euros.
How do you switch to private health insurance? How do you switch to private health insurance?
There are a large number of companies offering private health insurance. If you are interested in switching, you should arrange a consultation with an expert. This expert will check whether you qualify for a switch to private health insurance. At the same time, your desires and ideas will be taken into consideration and a plan selected on this basis. Our experts will support you not just in selecting the best possible insurance cover but also in concluding the contract and while it is running. You can thus be sure of permanent support and service.
When can I make use of my special termination right? When can I make use of my special termination right?
If a statutory health insurance company increases its additional premium, people insured with it can exercise their right of special termination. Members of the statutory health insurance company will be informed in writing before any such increase takes effect. If this has also happened to you, you can make use of your right of special termination. However, the notice period — usually two months — has to be respected. Before you aim to switch to a less expensive statutory health insurance company or to the private system, we recommend that you take advice from an expert. Our consultants can identify the options for you and present you with alternatives.
What is private health insurance like in practice? What is private health insurance like in practice?
Good health insurance comes into its own above all when a serious illness strikes. The greater the range of benefits defined in the contract, the higher the premium for private health insurance, as a rule. But in the end, a higher premium pays off in the event of a serious illness.
The best possible level of care can be described on the basis of the following example of a patient who had had a stroke.
- After the stroke, the patient is guaranteed the best possible care (choice of doctors) in the hospital (transport costs).
- After the acute phase, they can recover in a single or double room.
- All aids that can help with the recovery (e.g. electric wheelchair with no price limit) should be paid for by their health insurance.
- They can embark on their subsequent rehabilitation phase without hassle or waiting for approval.
- The treatment performed in rehab including sessions by speech therapists and/or occupational therapists is refunded by the insurer.
- In the event of further out-patient treatment after rehab, the insurance will bear the cost of both treatment and transport (taxi) if the patient is not (yet) able to walk or cannot drive themselves.
Did you know?
Facts in favor of private health insurance
- Low rate of complaints: 0.013%
- Strong performance: Over € 25 bn paid out by insurers per year
- Responsibility: Privately insured relieve the burden on the insurance system to the tune of € 1,742 bn, and with it the next generation
- Dream insurance: 17 million would like to switch to private cover
- Future-proof: 87.7% of surpluses generated are used for the insured
Source: Private Health Insurance Association