Private health insurance

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Private or statutory health insurance – what should I do?

Viele Menschen beschäftigen sich mit folgender Frage: „Soll ich in die private Krankenversicherung wechseln oder doch lieber in der gesetzlichen Krankenversicherung (GKV) bleiben?“. Wir versuchen Dir mit folgenden Überlegungen eine Hilfe zu geben. Wenn einer der folgenden Punkte mit “Ja“ beantwortet wird, kann ein Verbleib in der GKV durchaus Sinn ergeben.

 
Auch in diesem Fall lohnt sich ein Vergleich. Es besteht die Möglichkeit, dass Du bei einer anderen Krankenkasse bessere Leistungen erhältst und/oder Beiträge sparst.
GKV Vergleich

MAXIMUM CONTRIBUTION GKV

I would like to continue to pay the maximum monthly contribution in the statutory health insurance scheme (1050.53 €/2024) with significant service restrictions that lead to private co-payments

CHRONIC DISEASES

I have severe health problems and suffer from serious chronic illnesses

LOW OLD AGE PENSION

I will probably only receive a very low old-age pension due to irregular payments into the statutory pension insurance scheme

MORAL OBLIGATION

I take on social responsibility and support the statutory health system with my solidarity contribution (young pays for old)

MANY CHILDREN

Ich plane mit mehr als drei Kindern und mein/e Ehepartner*In soll perspektivisch ausschließlich die Kinder­betreuung über­nehmen

RISK PREMIUMS

Due to my health situation, I can only be insured in private health insurance with enormous risk surcharges

If you didn't answer "yes" to any of these points, you should seriously consider switching to private health insurance. The following points speak in favor of a switch.

MONTHLY SAVINGS

Premiums in private health insurance are usually significantly lower than those in statutory health insurance, and with better medical care

MONEY BACK

If you don't claim any private health insurance benefits, you will receive hundreds of euros in premium refunds in most tariffs. This provides you with additional financial relief

HIGH QUALITY CARE

Avoid unnecessary private co-payments and enjoy the best medical care from the best doctors in Germany

LOW CONTRIBUTIONS IN OLD AGE

With an additional investment in a premium relief tariff, you can make your premiums calculable in old age

INDIVIDUAL PROTECTION

Decide for yourself which services are important to you and thus determine your monthly contribution

MANY LEVERS TO REDUCE CONTRIBUTIONS

If your private health insurance premium increases significantly. Together we will find ways to reduce it (§204 VVG)

SECURE FINANCING

In statutory health insurance, the income of a year finances the expenditure and no reserves are set aside for old age. This is completely different in private health insurance

WORDWIDE PROTECTION

The insurance cover generally applies worldwide and around the clock. This means you are also optimally covered abroad

FASTER SUPPLY

Avoid unnecessarily long waiting times and get the best possible treatment straight away