Private health insurance companies (PKV) are private insurance companies that offer health insurance. In contrast to the puplic health insurance fund (GKV), the contract does not come into force by law, but through a contract under private law.
Private health insurance companies usually offer better coverage at lower prices, but not everyone can insure themselves privately.
Employees who can prove an annual income of more than €62550 can also take out private insurance. Otherwise there is an obligation to take out puplic health insurance.
The self-employed, civil servants or freelancers can also take out private health insurance.
The amount of the insurance premium in private health insurance is largely based on the following three factors:
An example: someone who is young, enjoys the best of health and wants an entry-level tariff generally pays less insurance premiums than a middle-aged insured person in a tariff with premium benefits.
A quick and easy change to a puplic health insurance company (GKV) is not possible, but there are possibilities.
Employees have the option of switching back to puplic health insurance if their gross annual income falls below €62550.00 - the equivalent of €5212.50 gross per month (as of 2020).
The self-employed must give up their self-employment and switch to permanent employment before they can be legally insured. Important: Here, however, the annual income limit must also be observed and must not exceed the contribution assessment limit. Likewise, if you are older than 55 years, you can no longer change.
Civil servants are generally excluded from switching back to puplic health insurance
Private health insurance (PKV) makes sense for high-earning employees, the self-employed, freelancers and civil servants. Especially if you value high-quality care in the event of illness.
It is important, however, that it does not make sense for everyone to insure themselves privately, because there are also disadvantages.
The change to a new health insurance company must be announced to the employer, this is done by the insurance company
This data is important in order to be able to automatically send the notices to the previous insurance company.
You will receive health insurance confirmations after the private health insurance company has confirmed your application.