Private Health Insurance
With private health insurance, you not only secure first-class medical care, but also individually tailored benefits that fit your needs and lifestyle. You enjoy exclusive advantages such as shorter waiting times, access to top-tier specialists, private hospital rooms, and comprehensive dental coverage – often far beyond what public insurance provides.
You can adjust your coverage flexibly, ensuring protection that evolves with your life. Compared to statutory health insurance, private insurance often offers significantly better conditions – especially for the self-employed, civil servants, and high earners.
One of our specialists is ready to help you navigate the best options and find the perfect plan for you, or read more down below.
The German healthcare system is considered to be particularly good and of high quality in many countries. An outstanding feature of our healthcare system is the statutory health insurance obligation for all residents. Anyone living in Germany must therefore take out health insurance - either through statutory health insurance (GKV) or, depending on individual circumstances, through private health insurance (PKV).
The drawbacks
While the statutory health insurance in Germany offers a wide range of services, it also has some disadvantages.
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Statutory health insurance covers basic medical treatments, but there are often restrictions on the choice of doctors, clinics and treatments. Additional benefits, such as single rooms in hospital or special types of therapy and dental treatments are often not included or are limited and need to supplemented.
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Depending on the region and specialty, statutory health insurance can result in longer waiting times for doctor's appointments or certain treatments because resources are limited.
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Statutory health insurance contributions are based on a percentage of income, which can be relatively high for high earners. This means that higher earners may pay more for their health insurance compared to private health insurance (PHI) without always receiving better benefits.
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Statutory health insurance offers little flexibility to customize insurance to personal needs. Benefits are largely standardized, which means that individual wishes are often not taken into account.
The statutory health insurance provides basic medical care that may not cover all individual needs. This is where private supplementary insurance comes in. With private supplementary insurance, insured persons can individually expand their insurance coverage and take advantage of additional services such as a single room in hospital, dental prostheses or alternative healing methods. This gives those insured under statutory health insurance the opportunity to receive services that are normally only reserved for those with private insurance.
Here are some examples of supplementary insurances that are available to those insured under the statutory health insurance:
Dental insurance
A dental supplementay insurance is a valuable addition to the statutory health insurance, as it covers many services that are either insufficiently or not at all covered by the statutory health insurance.
It helps reduce the costs for dental prosthetics, treatments, and preventive measures. Dental prosthetics like crowns, bridges, or implants can be very expensive without additional insurance, and the dental supplemental insurance protects against high expenses.
It also provides access to high-quality treatments and offers financial relief for more extensive dental care.
With dental supplemental insurance, you can also cover preventive measures like professional teeth cleaning and thus maintain long-term dental health while being protected from unexpected high costs.
Outpatient supplementary health insurance
An outpatient supplementary health insurance is a valuable coverage that goes beyond the basic coverage of the statutory health insurance (GKV). It helps cover additional costs for outpatient treatments that are not fully reimbursed by the GKV.
This insurance gives you access to better medical practices, shorter waiting times, and additional services such as alternative medicine or more personalized treatments.
The statutory health insurance only covers basic medical treatments, while outpatient supplementary insurance includes treatments by alternative practitioners, vision aids, or extended preventive exams and vaccinations.
Medications that are not allways covered by the statutory health insurance list and can also be reimbursed through this supplementary insurance.
With outpatient supplementary insurance, you can significantly improve your healthcare and benefit from more comprehensive services. This not only provides more comfort but also ensures more personalized and better medical care, especially for specialized or alternative treatments.
Supplementary hospital insurance
A hospital supplementary insurance offers a valuable addition to the statutory health insurance and ensures that you benefit from additional services during a hospital stay. It allows for more comfortable treatment and better service that goes beyond the standard coverage of the statutory health insurance. This includes, among other things, the freedom to choose your doctor, the possibility of being accommodated in a single room, or treatment by a chief physician, all of which can lead to more personalized and higher-quality care.
While the statutory health insurance covers the costs of a hospital stay, many additional services, such as being placed in a single room or choosing your doctor, are not included. A hospital supplementary insurance provides financial support in these areas and ensures that you feel well taken care of during your hospital stay. This insurance is especially appealing to those who value additional comfort and a faster, higher-quality treatment in the hospital.
Supplementary nursing care insurance
A long-term care supplementary insurance is an important safeguard in case you need care in old age or due to illness. The statutory long-term care insurance only covers part of the actual care costs, which can lead to a significant financial gap. With long-term care supplementary insurance, you can close this gap and ensure that the necessary costs for high-quality care are covered in case of need.
The long-term care supplementary insurance helps reduce the often high out-of-pocket expenses that arise in both inpatient or home care situations. It ensures that you are not solely reliant on family and friends for support, or forced to move into a less comfortable care facility. A private long-term care supplementary insurance allows you to tailor your care to your wishes and needs, preserving a high quality of life in your later years or in the event of illness.
Whether it’s statutory health insurance, private health insurance, or private supplementary insurance, choosing the right health coverage is an important decision that largely depends on your individual needs.
Our experts are here to support you with their years of experience to find the perfect solution for you. In a personal consultation, they will conduct a detailed analysis of your current situation, consider your health goals, and take into account your wishes and requirements for the future.
During a free initial consultation, they will take the time to answer all your questions and provide you with well-informed, tailored advice.
Whether you are looking for the comprehensive coverage of PKV or want to enhance your GKV with supplementary insurance, we will help you make the right decision.