{"id":53,"date":"2024-03-14T11:29:56","date_gmt":"2024-03-14T11:29:56","guid":{"rendered":"https:\/\/kv-haus.de\/?page_id=53"},"modified":"2024-10-15T15:09:39","modified_gmt":"2024-10-15T13:09:39","slug":"krankenversicherungsoptimierung","status":"publish","type":"page","link":"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/krankenversicherungsoptimierung\/","title":{"rendered":"Krankenversicherungsoptimierung"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"53\" class=\"elementor elementor-53\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c38d004 headlineH1 e-con-full e-flex e-con e-parent\" data-id=\"c38d004\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef4479 elementor-widget elementor-widget-heading\" data-id=\"4ef4479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Private health insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3491da3 e-con-full headerbild e-flex e-con e-parent\" data-id=\"3491da3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af9f820 elementor-widget elementor-widget-image\" data-id=\"af9f820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1774\" height=\"854\" src=\"https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2.jpg\" class=\"attachment-full size-full wp-image-4443\" alt=\"\" srcset=\"https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2.jpg 1774w, https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2-300x144.jpg 300w, https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2-1024x493.jpg 1024w, https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2-768x370.jpg 768w, https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2-1536x739.jpg 1536w, https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/10\/PKV_Optimierung2-18x9.jpg 18w\" sizes=\"(max-width: 1774px) 100vw, 1774px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0cdb5f9 e-con-full submenu e-flex e-con e-parent\" data-id=\"0cdb5f9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d0d884a e-con-full e-flex e-con e-child\" data-id=\"d0d884a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed5b826 elementor-nav-menu__align-start elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"ed5b826\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-ed5b826\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1021\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/private-krankenvollversicherung\/\" class=\"elementor-item\">Private health insurance<br>insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-506\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/krankenversicherungsoptimierung\/\" class=\"elementor-item\">Health insurance<br>optimization<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-505\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/krankenzusatz-und-pflegeversicherung\/\" class=\"elementor-item\">Supplementary health insurance<br>&amp; nursing care insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-504\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/weitere-krankenversicherungen\/\" class=\"elementor-item\">More<br>Health insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-ed5b826\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1021\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/private-krankenvollversicherung\/\" class=\"elementor-item\" tabindex=\"-1\">Private health insurance<br>insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-506\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/krankenversicherungsoptimierung\/\" class=\"elementor-item\" tabindex=\"-1\">Health insurance<br>optimization<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-505\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/krankenzusatz-und-pflegeversicherung\/\" class=\"elementor-item\" tabindex=\"-1\">Supplementary health insurance<br>&amp; nursing care insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-504\"><a href=\"https:\/\/kv-haus.de\/en\/private-krankenversicherung\/weitere-krankenversicherungen\/\" class=\"elementor-item\" tabindex=\"-1\">More<br>Health insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1810d44 e-con-full e-flex e-con e-child\" data-id=\"1810d44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d2baf9 elementor-widget elementor-widget-button\" data-id=\"3d2baf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/angebot-anfragen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request offer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e11287 e-flex e-con-boxed e-con e-parent\" data-id=\"5e11287\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-902e011 e-con-full e-flex e-con e-child\" data-id=\"902e011\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-316111f elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"316111f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"158\" height=\"118\" src=\"https:\/\/kv-haus.de\/wp-content\/uploads\/2024\/04\/HerzInHand.png\" class=\"attachment-full size-full wp-image-2901\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80377c4 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"80377c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The \u201cstory\u201d of the premium optimizers\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2cb74c e-con-full e-flex e-con e-child\" data-id=\"d2cb74c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e96d417 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e96d417\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3924b83 e-con-full e-flex e-con e-child\" data-id=\"3924b83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d8e71 elementor-widget elementor-widget-video\" data-id=\"c0d8e71\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=t6bCg5qJgwg&amp;t=2s&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e8df76 e-con-full e-flex e-con e-child\" data-id=\"8e8df76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e136770 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e136770\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The number of so-called \u2018premium optimisers\u2019 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.<\/p>\n<p>Saving several hundred euros a month - that sounds tempting<\/p>\n<p>BUT beware, these private health insurance optimizations usually have the following disadvantages for you:<\/p>\n<ul>\n<li>Lower premium refunds<\/li>\n<li>Reduced formation of ageing provisions<\/li>\n<li>Lower insurance benefits<\/li>\n<li>Less tax relief<\/li>\n<li>High deductibles<\/li>\n<li>Less tariff flexibility in the future<\/li>\n<\/ul>\n<p><strong><br><\/strong><\/p><p><strong>The following example shows how your premium savings disappear into thin air as a result:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65d8b5c e-con-full e-flex e-con e-child\" data-id=\"65d8b5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa1625 elementor-widget elementor-widget-image\" data-id=\"8fa1625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"585\" src=\"https:\/\/kv-haus.de\/wp-content\/uploads\/2025\/04\/Gross-annual-savings-after-optimization.png\" class=\"attachment-large size-large wp-image-3417\" alt=\"\" srcset=\"https:\/\/kv-haus.de\/wp-content\/uploads\/2025\/04\/Gross-annual-savings-after-optimization.png 876w, https:\/\/kv-haus.de\/wp-content\/uploads\/2025\/04\/Gross-annual-savings-after-optimization-300x218.png 300w, https:\/\/kv-haus.de\/wp-content\/uploads\/2025\/04\/Gross-annual-savings-after-optimization-768x558.png 768w, https:\/\/kv-haus.de\/wp-content\/uploads\/2025\/04\/Gross-annual-savings-after-optimization-18x12.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5696ee e-con-full e-flex e-con e-child\" data-id=\"d5696ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44e7e8c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"44e7e8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We will review your private health insurance contract without a fee <a href=\"\/en\/wir\/hikiz\/\">(donate gladly to HiKiZ)<\/a>We try to find the best possible solution for you - without any disadvantages.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ba4eb1 e-flex e-con-boxed e-con e-parent\" data-id=\"9ba4eb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Private Krankenversicherung Angebot anfragen Die \u201eStory\u201c der Beitragsoptimierer https:\/\/www.youtube.com\/watch?v=t6bCg5qJgwg&#038;t=2s Die Zahl der sogenannten \u201eBeitragsoptimierer\u201c hat in den letzten Jahren am Markt rasant zugenommen. Deren ausschlie\u00dfliches Ziel, den monatlichen Beitrag Deiner privaten Krankenversicherung gr\u00f6\u00dftm\u00f6glich zu reduzieren, um ihr eigenes Beratungshonorar maximal in die H\u00f6he zu treiben. Mehrere hundert Euro im Monat sparen \u2013 das klingt verlockend [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":51,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-53","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/pages\/53","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/comments?post=53"}],"version-history":[{"count":128,"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/pages\/53\/revisions"}],"predecessor-version":[{"id":5467,"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/pages\/53\/revisions\/5467"}],"up":[{"embeddable":true,"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/pages\/51"}],"wp:attachment":[{"href":"https:\/\/kv-haus.de\/en\/wp-json\/wp\/v2\/media?parent=53"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}