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Health Insurance

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.

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Privately insured — first-class medical care

Private health insurance gives you access to senior physician treatment, private rooms, and shorter waiting times. Whether you are an employee above the compulsory insurance threshold, self-employed, or a civil servant — we assess whether switching is worthwhile for you and find the plan that fits your budget and your needs.

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

1

Status Analysis

Subject to statutory insurance or eligible to choose? Entitled to civil service benefits? We clarify your status.

2

Needs Assessment

Which benefits matter most to you? Outpatient, inpatient, dental — we define your ideal profile.

3

Market Comparison

Over 40 private health insurance tariffs compared — by benefits, price, and premium stability.

4

Transition Support

From the application to the medical underwriting, we guide you through the entire process.

Frequently Asked Questions About Health Insurance

Employees can switch if their gross annual income exceeds the compulsory insurance threshold (JAEG). In 2025, this is set at EUR 73,800. Self-employed individuals can switch to private health insurance (PKV) at any time.
Under the age of 55, switching back is possible if you become subject to compulsory insurance again (e.g., income falls below the JAEG or you take up employment). From age 55 onwards, switching back is very difficult.
Good tariffs build up age-related reserves. In addition, you can reduce your premiums through an internal tariff change (§ 204 VVG) without losing your age-related reserves.
You switch to a more affordable tariff within your existing PKV provider. Your age-related reserves and the health assessment from your original application are retained.

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.

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