Private health insurance
Private or statutory health insurance – what should I do?
Many people are concerned with the following question: "Should I switch to private health insurance or should I stay in statutory health insurance?" We will try to help you with the following considerations. If you answer one of the following points with "yes", staying in statutory health insurance can make sense.
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
The contributions in private health insurance are usually significantly cheaper than the contribution in statutory health insurance and this with better medical care
MONEY BACK
If you do not use any services in the private health insurance, you will receive hundreds of euros in premium refunds in most tariffs. This will also relieve you financially
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 additional investment in a contribution relief tariff, you can make your contributions calculable in old age
INDIVIDUAL PROTECTION
Decide for yourself which services are important to you and thereby design your monthly contribution
MANY LEVERS TO REDUCE CONTRIBUTIONS
If the premium for your private health insurance increases significantly, let's find ways to reduce it together (§204 VVG)
SECURE FINANCING
In the GKV, the income of a year finances the expenses and no reserves are created for old age. This is completely different in the PKV
GLOBAL PROTECTION
The insurance cover is generally valid worldwide and around the clock. This means you are optimally protected even abroad
FASTER SUPPLY
Avoid unnecessarily long waiting times and go straight to the best possible treatment