-
-
Private health insurance
In Germany there are about 9 million people who have private health insurance. With private health insurance, you usually get better benefits than statutory health insurance, but private health insurance is not available or makes sense for everyone.
The amount of the contribution is variable compared to the statutory health insurance. It is calculated according to the scope of benefits, age, health and occupation.
What is private health insurance (PKV)?
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.
When can I take out private insurance?
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.
How is the contribution calculated in private health insurance?
The amount of the insurance premium in private health insurance is largely based on the following three factors:
- State of health of the insured
- Age of Insured
- Scope of the tariff
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.
Can I switch back to puplic health insurance?
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
Does private health insurance make sense for me?
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.
What do I need to apply for health insurance?
- Passport photo for your health insurance card
- Employer data (name, address)
The change to a new health insurance company must be announced to the employer, this is done by the insurance company
- Previous insurance data (previous insurance, insurance number, address)
This data is important in order to be able to automatically send the notices to the previous insurance company.
- Proof that you earn above the contribution assessment limit or are self-employed.
How long does it take to get my health insurance confirmation?
You will receive health insurance confirmations after the private health insurance company has confirmed your application.
-
-
-
-
