Private health insurance

Request offer

The „Story“ of the premium optimisers

The number of so-called ‘premium optimisers’ has increased rapidly on the market in recent years. Their sole aim is to reduce the monthly premium of your private health insurance as much as possible in order to maximise their own consulting fees.

Saving several hundred euros a month - that sounds tempting

BUT beware, these private health insurance optimisations usually have the following disadvantages for you:

  • Lower premium refunds
  • Reduced formation of ageing provisions
  • Lower insurance benefits
  • Less tax relief
  • High deductibles
  • Less tariff flexibility in the future


The following example shows how your premium savings disappear into thin air:

We will review your private health insurance contract without a fee (donate gladly to HiKiZ)We try to find the best possible solution for you - without any disadvantages.