benefits private health insurance

Why full private health insurance is a real alternative

Many self-employed people, employees and civil servants are faced with the choice: Full private health insurance (PKV) or voluntary membership in statutory health insurance (GKV)? While GKV is a proven model, private health insurance offers significant advantages. But which option is the right one? In this article, we'll go into detail about the key factors that can help you make a decision.

What is full health insurance?

Die full health insurance covers all medical costs — from outpatient treatment to hospital stays and dental visits. While the GKV offers standardized benefits that are regularly reduced by laws, PKV can guarantee high-quality protection that is fixed in the collective agreement forever and even grows in benefits when medical innovations convince the insurer.

Advantages of private health insurance compared to GKV

Who is looking for a private full health insurance Decides, benefits from numerous advantages:

• Better medical care: Faster treatment appointments, free choice of doctor, access to specialists and cutting-edge treatment methods.
• Individual rates: Services can be selected and adjusted as required.
• Reimbursement of contributions: Anyone who makes use of few or no benefits will receive part of the contributions back.
• Benefit in old age: Thanks to saved retirement provisions, private health insurance remains affordable in old age, even in old age.
• Free choice of doctor: No commitment to health insurance doctors, but freedom of choice among all doctors.
• Comprehensive additional services: This includes, for example, alternative healing methods, vision aids or head physician treatment in hospital using the latest surgical methods, as well as staying in specialist clinics.

When does private health insurance start to pay off?

The decision to opt for private health insurance depends on various factors. In principle, the switch is worthwhile if you value better medical care.

• For employees: Anyone who is above the compulsory insurance limit (2025: €73,800 gross per year) can switch to private health insurance and get better benefits for their money.
• For self-employed & entrepreneurs: The rule here is that you can switch to private health insurance regardless of income.
  
• For officials: Thanks to the subsidy, contributions to private health insurance are cheaper than in the GKV
• The following applies to all persons: That the premium for private health insurance depends on the age of entry and the individual state of health.

Private health insurance with children — useful or not?

While children are also insured free of charge under the GKV, they must be covered separately in private health insurance. Here, many insurers offer modern tariffs aimed at young people, which, contrary to widespread opinion or prejudices, are also affordable. To this end, it should be an obligation of every parent to see the children receive the best possible medical care in an emergency.

Switching from statutory health insurance to private health insurance — what to consider?

A Switching to private health insurance is not always possible. What is important is:

1. Take advantage of professional advice
2. Choose the right tariff with the right insurer
3. Health check from the insurer may be completed with a preliminary medical enquiry
4. Take into account future premium adjustments
5. ‍Private health insurance cost calculator, we take care of the entire evaluation of current key figures.
6. Returning to the GKV: Under certain conditions, it may lead you to return to compulsory health insurance later on. So-called entitlements should then ensure that you can return to private health insurance under possible conditions.
7. It is essential to take into account solid aging reserves: Be careful, a low premium is no proof of a good private health insurer.

Is private health insurance the better choice?

The decision between PKV and voluntary GKV membership should be well advised. While the Benefits of private health insurance It is obvious that personal life situation plays a decisive role. Anyone who plans for the long term, wants to optimally protect their health and keeps an eye on costs will drive better with private health insurance.

One individual advice It is advisable to consider all aspects.

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Our range of services for
Workers and officials include:

• Disability insurance:
  We offer comprehensive disability insurance specifically for civil servants. It covers you if you are no longer able to perform your duties due to health reasons. In this way, you protect yourself from financial losses and maintain your financial stability even in the event of incapacity.
• Disability insurance:
  Worker protection is essential for employees. Our disability insurance protects you from the financial consequences if you are no longer able to work due to illness or accident. You receive a monthly pension that helps you and your family maintain living standards.
• Supplementary health insurance:
  Supplement your public health insurance with supplementary health insurance that gives you access to high-quality medical care. Whether it's a head doctor's treatment, dentures or other services — we'll make sure that you're well covered.
• Full health insurance:
  It is possible to switch to full private health insurance under certain conditions. If this option exists for you, we will check together whether it is plausible to switch from statutory health insurance to private health insurance.
• Accident insurance:
  Accidents can happen not only at work, but also during leisure time. With our accident insurance, you are fully protected and receive financial support if an accident affects your work capacity.
• Legal protection for workers and civil servants:
  In everyday working life, there may be conflicts with employers or civil servants. Our legal protection provides you with protection so that you can protect your interests in legal disputes.
• Retirement planning:
  With well-thought-out retirement planning, you ensure that you are financially secure even after your working life. We offer private and company pension solutions so that you can enjoy your retirement carefree.

Why us We understand how important it is to protect yourself against unforeseeable biometric risks. Our modern insurance offers you the protection you need to maintain your financial security — today and in the future.Get in touch Let's develop a strategy together that is just as dynamic as your life. Our team is by your side across the gates of Flensburg and ensures your safety — so that you can fully focus on the winners' podium.