Waiting months to see a specialist?
There is a better way
Shorter waiting times, better treatments, free choice of doctor — private health insurance offers what statutory health insurance cannot. But: not every tariff is equally good.
Privately insured — first-class medical care
Our Advisory Services
PHI Analysis
Detailed comparison of private health insurance tariffs — benefits, premiums, and premium stability.
SHI Optimization
Even within statutory health insurance, differences exist. We find the fund with the best supplementary benefits.
Premium Check
PHI too expensive? We review tariff switching options under § 204 VVG — without loss of benefits.
Family Consultation
Children, spouses, parental leave — we optimize coverage for the entire family.
Premium Optimization
Internal tariff switching within PHI: same insurer, better tariff, lower premium.
Employer Subsidy
We clarify how you can receive the maximum employer contribution toward your PHI.
Who Do We Advise?
Employees Above the JAEG
Above the compulsory insurance threshold, you can switch to PHI — but is it worth it?
Self-Employed & Freelancers
No mandatory membership in SHI — free choice between SHI and PHI.
Civil Servants & Civil Servant Trainees
Eligibility for government healthcare subsidies (Beihilfe) makes PHI particularly attractive — we find the right supplementary tariff.
Existing PHI Customers
Received a premium increase? Tariff switching under § 204 VVG is often the better alternative to cancellation.
Private vs. Statutory Health Insurance Compared
Versichert
Nicht versichert
How We Find Your Tariff
Status Analysis
Subject to statutory insurance or eligible to choose? Entitled to civil service benefits? We clarify your status.
Needs Assessment
Which benefits matter most to you? Outpatient, inpatient, dental — we define your ideal profile.
Market Comparison
Over 40 private health insurance tariffs compared — by benefits, price, and premium stability.
Transition Support
From the application to the medical underwriting, we guide you through the entire process.
Frequently Asked Questions About Health Insurance
Request Consultation
Free and non-binding — your personal insurance comparison.
Find the Right Health Insurance
Statutory or private health insurance? We provide independent advice and find the optimal solution for your situation.