{"id":4449,"date":"2024-05-24T20:15:13","date_gmt":"2024-05-24T18:15:13","guid":{"rendered":"https:\/\/deinonlinemakler.de\/private-health-insurance\/"},"modified":"2026-09-23T12:38:49","modified_gmt":"2026-09-23T10:38:49","slug":"private-health-insurance","status":"publish","type":"page","link":"https:\/\/deinonlinemakler.de\/en\/private-health-insurance\/","title":{"rendered":"Private Health Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4449\" class=\"elementor elementor-4449 elementor-404\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80735a0 e-flex e-con-boxed e-con e-parent\" data-id=\"80735a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-777e2b1 e-con-full e-flex e-con e-child\" data-id=\"777e2b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bdb4d5 elementor-widget elementor-widget-heading\" data-id=\"7bdb4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Private Health Insurance in Germany (PKV)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-023c24b elementor-widget elementor-widget-shortcode\" data-id=\"023c24b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd392ab custom-list elementor-widget elementor-widget-text-editor\" data-id=\"dd392ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choosing private health insurance affects not only your premium, but your medical care, your flexibility and your financial planning in old age \u2013 whether you\u2019ve lived in Germany all your life or have just arrived.<\/p><p><strong>Before you switch, we clarify step by step \u2013 in English:<\/strong><\/p><ul><li>Whether you should switch at all.<\/li><li>How insurers assess your health.<\/li><li>Which tariff structure is sustainable in the long term.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e44882 e-con-full e-flex e-con e-child\" data-id=\"9e44882\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43f3fd7 elementor-widget elementor-widget-image\" data-id=\"43f3fd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1290\" height=\"600\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/bg-pkv-d.png\" class=\"attachment-1536x1536 size-1536x1536 wp-image-4357\" alt=\"a group of people smiling for a selfie\" srcset=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/bg-pkv-d.png 1290w, https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/bg-pkv-d-300x140.png 300w, https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/bg-pkv-d-1024x476.png 1024w, https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/bg-pkv-d-768x357.png 768w\" sizes=\"(max-width: 1290px) 100vw, 1290px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ecd2aa e-flex e-con-boxed e-con e-parent\" data-id=\"8ecd2aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c04d49d e-con-full e-flex e-con e-child\" data-id=\"c04d49d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-492fbee e-con-full custom-list cluster-main-content e-flex e-con e-child\" data-id=\"492fbee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7670d13 elementor-widget elementor-widget-text-editor\" data-id=\"7670d13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div style=\"max-width: 1140px; margin: 0 auto; padding: 0 20px;\"><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">What is private health insurance (PKV)?<\/h2><p>Private health insurance in Germany (PKV \u2013 private Krankenversicherung) is individual, comprehensive health cover: instead of an income-based contribution as in the statutory health insurance system (GKV), you pay a premium based on your age at entry, your health and the level of benefits you choose. The benefits guaranteed in your contract cannot be cut by political decisions.<\/p><p style=\"margin-bottom: 0;\">\u2026and what private health insurance is not: it is not a pure money-saving model and not a short-term change of tariff. It is a <strong>change of system<\/strong> with a long-term commitment \u2013 returning to statutory health insurance is heavily restricted from the age of 55. If you only look at the starting price, you make the wrong decision.<\/p><\/div><p><\/p><div class=\"highlight-box\" style=\"background: #F8F8F8; border-left: 5px solid #f7eb33; padding: 24px 28px; margin: 0 0 48px;\"><h3 style=\"margin: 0 0 12px;\">New to Germany?<\/h3><p style=\"margin: 0 0 12px;\">Health insurance is compulsory in Germany \u2013 and for many residence permits, including the EU Blue Card, you need proof of adequate cover. Whether private health insurance makes sense for you depends on your income, your employment status and how long you plan to stay.<\/p><p style=\"margin: 0;\">We explain the German system to you in English, check your options with several insurers and support you all the way \u2013 from the first question to your policy.<\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h6 style=\"margin: 0 0 8px;\">About private health insurance<\/h6><h2 style=\"margin-top: 0;\">The strategic decision about premiums, benefits, switching and your financial risk<\/h2><p>If you are looking into private health insurance, you are facing a decision that doesn\u2019t just affect you for one year.<\/p><p><strong>But for decades.<\/strong><\/p><p>Private health insurance is not a change of tariff. It is a change of system.<\/p><p>You leave the statutory health insurance system and commit to an individual contract with a health insurer that determines your benefits, your premium and your care in the event of illness for the long term.<\/p><div class=\"highlight-box\" style=\"background: #F8F8F8; border-left: 5px solid #f7eb33; padding: 24px 28px; margin: 28px 0;\"><p style=\"margin: 0 0 12px;\">The question is not: \u201cIs private health insurance cheaper?\u201d<\/p><p style=\"margin: 0;\">The question is: <strong>Does it make strategic sense for your situation \u2013 or is it a mistake with long-term consequences?<\/strong><\/p><\/div><p style=\"margin-bottom: 0;\">If you want clarity on this, you\u2019ll get it.<\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">What private health insurance really is \u2013 and what it isn\u2019t<\/h2><p>Private health insurance is individual, comprehensive health cover.<\/p><p>This means:<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 12px 32px; margin: 20px 0 24px;\"><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 260px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>Your premium does not depend on your income<\/div><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 260px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>Your level of benefits is fixed in your contract<\/div><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 260px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>Your age at entry permanently influences your costs<\/div><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 260px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>Your state of health is assessed<\/div><\/div><p>Unlike statutory health insurance, private health insurance is not a solidarity-based system but calculated risk cover.<\/p><p style=\"margin-bottom: 0;\">That brings advantages. And responsibility.<\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">Who can switch to private health insurance<\/h2><p>Not everyone can switch.<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0;\"><p> <\/p><h3 style=\"margin: 0 0 12px;\">Employees<\/h3><p style=\"margin: 0 0 16px;\">Only if your income is above the annual income threshold (Jahresarbeitsentgeltgrenze) does your obligation to be insured in the statutory system end.<\/p><p> <\/p><h3 style=\"margin: 0 0 12px;\">Civil servants &amp; trainee civil servants<\/h3><p style=\"margin: 0 0 16px;\">Civil servants and others entitled to allowances receive an allowance (Beihilfe) from their employer. For them, private health insurance is often the more economical choice.<\/p><p> <\/p><h3 style=\"margin: 0 0 12px;\">Self-employed &amp; freelancers<\/h3><p style=\"margin: 0 0 16px;\">Self-employed people can choose freely.<\/p><p> <\/p><h3 style=\"margin: 0 0 12px;\">Children<\/h3><p style=\"margin: 0 0 16px;\">Your child needs their own tariff in private health insurance. If you register your child within two months of birth, there is no health assessment at all.<\/p><p> <\/p><h3 style=\"margin: 0 0 12px;\">Doctors<\/h3><p style=\"margin: 0 0 16px;\">Employed hospital doctors above the annual income threshold as well as doctors in private practice can choose freely. For medical professionals in particular, a detailed comparison of benefits pays off.<\/p><\/div><p>If you\u2019re unsure which group you belong to, we\u2019ll clarify it with you step by step.<\/p><p style=\"margin: 28px 0 0;\"><a style=\"display: inline-block; background: #f7eb33; color: #1a1a1a; font-weight: bold; padding: 16px 32px; text-decoration: none;\" href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">Start an anonymous risk pre-check<\/a><\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">Top 3 reasons why people switch to private health insurance<\/h2><p>Not because of advertising. Because of how the system works.<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0;\"><div style=\"flex: 1 1 300px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Individual scope of benefits<\/h3><p style=\"margin: 0 0 12px;\">You decide on:<\/p><ul style=\"margin: 0; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Hospital care (single room, senior consultant)<\/li><li style=\"margin-bottom: 6px;\">Dental benefits<\/li><li style=\"margin-bottom: 6px;\">Alternative medicine<\/li><li style=\"margin-bottom: 6px;\">Premium refunds<\/li><li style=\"margin-bottom: 6px;\">Daily sickness allowance<\/li><li>Long-term care insurance<\/li><\/ul><\/div><div style=\"flex: 1 1 300px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Contractually guaranteed benefits<\/h3><p style=\"margin: 0;\">What is in your contract cannot be reduced by political decisions.<\/p><\/div><div style=\"flex: 1 1 300px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Premium independent of income<\/h3><p style=\"margin: 0 0 12px;\">Your premium is based on:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Age at entry<\/li><li style=\"margin-bottom: 6px;\">State of health<\/li><li style=\"margin-bottom: 6px;\">Tariff<\/li><li style=\"margin-bottom: 6px;\">Deductible<\/li><li>Chosen scope of cover<\/li><\/ul><p style=\"margin: 0;\">Not on your salary.<\/p><\/div><\/div><\/div><p><\/p><div style=\"background: #F8F8F8; padding: 32px 28px; margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">The reality of premiums<\/h2><p>The most important question is not: <strong>\u201cWhat does private health insurance cost today?\u201d<\/strong><\/p><p>But: <strong>\u201cHow will my premium develop over 20\u201330 years?\u201d<\/strong><\/p><p>Premiums are influenced by:<\/p><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Age<\/li><li style=\"margin-bottom: 6px;\">Medical inflation<\/li><li style=\"margin-bottom: 6px;\">Use of benefits<\/li><li>The insurer\u2019s calculation<\/li><\/ul><p>Yes, premiums rise. In the statutory system too.<\/p><p style=\"margin-bottom: 0;\">The difference lies in the structure of your private health insurance.<\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">What does private health insurance really cost?<\/h2><p>There is no one-size-fits-all figure \u2013 the premium depends on age at entry, state of health, tariff and deductible. But realistic ranges do exist. The following ranges are guide values, not offers; we calculate your actual premium individually.<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0;\"><div style=\"flex: 1 1 320px; background: #F8F8F8; border-top: 4px solid #f7eb33; padding: 32px 28px;\"><h6 style=\"margin: 0 0 8px;\">Example 1<\/h6><h4 style=\"margin: 0 0 16px;\">Employee \u00b7 35 years \u00b7 healthy<\/h4><p style=\"margin: 0 0 4px; font-size: 28px; font-weight: bold; line-height: 1.2;\">\u20ac250\u2013350 \/ month<\/p><h4 style=\"margin: 0 0 20px;\">Your share after the employer\u2019s contribution (up to 50%)<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 8px;\">Total premium: approx. \u20ac450\u2013650 \/ month (depending on level of benefits)<\/li><li style=\"margin-bottom: 8px;\">Your share after the employer\u2019s contribution (up to 50%): approx. \u20ac250\u2013350 \/ month<\/li><li>Requirement: income permanently above the annual income threshold (2026: \u20ac77,400 gross \/ year or \u20ac6,450 \/ month)<\/li><\/ul><p style=\"margin: 0; font-size: 14px;\">Guide value \u00b7 not an offer<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; border-top: 4px solid #f7eb33; padding: 32px 28px;\"><h6 style=\"margin: 0 0 8px;\">Example 2<\/h6><h4 style=\"margin: 0 0 16px;\">Civil servant with 50% allowance<\/h4><p style=\"margin: 0 0 4px; font-size: 28px; font-weight: bold; line-height: 1.2;\">\u20ac250\u2013400 \/ month<\/p><h4 style=\"margin: 0 0 20px;\">Premium, often lower at a young age of entry<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 8px;\">Private health insurance only covers the remaining share of costs (e.g. 50%) \u2013 which makes it considerably cheaper<\/li><li style=\"margin-bottom: 8px;\">Premium: approx. \u20ac250\u2013400 \/ month, often lower at a young age of entry<\/li><li>For many civil servants, private health insurance is structurally clearly more economical than voluntary statutory insurance<\/li><\/ul><p style=\"margin: 0; font-size: 14px;\">Guide value \u00b7 not an offer<\/p><\/div><\/div><p style=\"margin: 0;\"><a style=\"display: inline-block; background: #f7eb33; color: #1a1a1a; font-weight: bold; padding: 16px 32px; text-decoration: none;\" href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">Get your personal premium<\/a><\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">Private vs. statutory health insurance (GKV)<\/h2><div style=\"overflow-x: auto; margin: 24px 0;\"><table class=\"comparison-table\" style=\"width: 100%; min-width: 480px;\"><thead><tr><th>Private (PKV)<\/th><th>Statutory (GKV)<\/th><\/tr><\/thead><tbody><tr><td>Individual contract<\/td><td>Solidarity principle<\/td><\/tr><tr><td>Premium depends on tariff &amp; age<\/td><td>Contribution depends on income<\/td><\/tr><tr><td>Health assessment<\/td><td>No health assessment<\/td><\/tr><tr><td>Contractual guarantees<\/td><td>Can be changed politically<\/td><\/tr><tr><td>Premium refunds possible<\/td><td>No refunds<\/td><\/tr><\/tbody><\/table><\/div><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">The biggest source of error: the health assessment<\/h2><p>Before accepting you, every insurer checks:<\/p><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Pre-existing conditions<\/li><li style=\"margin-bottom: 6px;\">Treatments<\/li><li style=\"margin-bottom: 6px;\">Diagnoses<\/li><li style=\"margin-bottom: 6px;\">Psychological history<\/li><li>Chronic illnesses<\/li><\/ul><p>A rejected application can limit your options.<\/p><p style=\"margin-bottom: 0;\">Many people apply directly. That is risky.<\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">Finding the right private health insurance with dein onlinemakler<\/h2><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0;\"><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">We have a solution for high premiums in old age<\/h3><p style=\"margin: 0 0 12px;\">In conversations with our clients, we are very often confronted with the fear that premiums will rise immeasurably in old age and become unaffordable.<\/p><p style=\"margin: 0 0 12px;\">Private health insurers take the higher risk of illness in old age into account when calculating premiums.<\/p><p style=\"margin: 0 0 12px;\">We offer you a solution for this too!<\/p><p style=\"margin: 0;\">We\u2019ll show you how to build up reserves at a younger age and thereby avoid high premiums later. You voluntarily pay higher contributions while you are still working and relieve yourself for retirement.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">The health assessment is no longer a hurdle<\/h3><p style=\"margin: 0 0 12px;\">The health assessment is an essential step when applying for private health insurance. From the insurer\u2019s perspective, it serves to assess the applicant\u2019s individual risk and adjust the terms accordingly.<\/p><p style=\"margin: 0 0 12px;\">You fill in a detailed questionnaire about your health, covering current and previous illnesses, operations, medication, hospital stays and other relevant medical information.<\/p><p style=\"margin: 0;\">In some cases, the insurer may request additional medical examinations or reports.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Rejected? Not with us!<\/h3><p style=\"margin: 0 0 12px;\">After reading through offers, comparing tariffs and filling in health questionnaires, the insurer may still reject you.<\/p><p style=\"margin: 0 0 12px;\">Reasons can include serious pre-existing conditions, chronic illnesses or certain risk factors that make the insurer consider your risk too high.<\/p><p style=\"margin: 0 0 12px;\">You would then be back at the very start of your search. That\u2019s exactly the process we\u2019ve simplified for you.<\/p><p style=\"margin: 0;\">We negotiate with the insurers in the background and only present you with offers from insurers who are happy to cover you.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Our expertise for the right decision<\/h3><p style=\"margin: 0 0 12px;\">As independent insurance brokers, we know the market and have access to almost all offers from German insurers.<\/p><p style=\"margin: 0;\">We sit down with you \u2013 in English \u2013 and find exactly the offer that suits you.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">We do the comparison for you<\/h3><p style=\"margin: 0;\">There are more than 40 private health insurers on the German market, each with its own strengths and special features. We take care of the time-consuming comparison and only select offers that match your wishes.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Long-term support<\/h3><p style=\"margin: 0 0 12px;\">We are and remain your contact person \u2013 even after you have signed your contract. Has something changed in your personal or professional situation?<\/p><p style=\"margin: 0;\">Then we review your insurance together and check whether it is still the best choice.<\/p><\/div><\/div><p style=\"margin: 0;\"><a style=\"display: inline-block; background: #f7eb33; color: #1a1a1a; font-weight: bold; padding: 16px 32px; text-decoration: none;\" href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">Start an anonymous risk pre-check<\/a><\/p><\/div><p><\/p><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">The truth: most mistakes happen before you apply<\/h2><p>In practice, we see the same pattern again and again:<\/p><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">People compare tariffs.<\/li><li style=\"margin-bottom: 6px;\">They fill in health questionnaires.<\/li><li>They submit an application.<\/li><\/ul><p><strong>And only then do they realise:<\/strong><\/p><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">The insurer rejects them<\/li><li style=\"margin-bottom: 6px;\">There are risk surcharges<\/li><li style=\"margin-bottom: 6px;\">Benefits are excluded<\/li><li>The tariff structure doesn\u2019t fit in the long run<\/li><\/ul><p>We estimate that 80\u201390% of all problematic private health insurance decisions don\u2019t arise in the contract. They arise <strong>before the application<\/strong>.<\/p><p>Not out of bad intent. But from a lack of structure.<\/p><p><strong>And that\u2019s exactly where we come in.<\/strong><\/p><p>Before an application is submitted, we check anonymously with several insurers:<\/p><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">How is your state of health assessed?<\/li><li style=\"margin-bottom: 6px;\">With a surcharge?<\/li><li style=\"margin-bottom: 6px;\">With an exclusion?<\/li><li>Or on standard terms?<\/li><\/ul><p>That is the difference between \u201ctrying\u201d and \u201cbeing in control\u201d.<\/p><div style=\"background: #F8F8F8; padding: 32px 28px; margin-top: 32px;\"><h2 style=\"margin-top: 0;\">Decide with clarity \u2013 not with risk.<\/h2><p>Private health insurance commits you for the long term.<\/p><p>First check anonymously and without obligation whether you would be accepted at all.<\/p><p style=\"margin-bottom: 0;\"><a style=\"display: inline-block; background: #f7eb33; color: #1a1a1a; font-weight: bold; padding: 16px 32px; text-decoration: none;\" href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">Start an anonymous risk pre-check<\/a><\/p><\/div><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">When private health insurance probably makes sense for you<\/h2><p>The key question is:<\/p><p><strong>When does the system structurally favour private health insurance?<\/strong><\/p><p>If several of the following points apply to you, private health insurance often makes strategic sense:<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0;\"><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">1. Your income is permanently well above the annual income threshold<\/h3><p style=\"margin: 0 0 12px;\">Not just barely. Not just temporarily.<\/p><p style=\"margin: 0 0 12px;\">But consistently.<\/p><p style=\"margin: 0;\">The clearer your career perspective \u2013 and your plans to stay in Germany \u2013 the more sense a change of system makes.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">2. You value individually tailored benefits<\/h3><p style=\"margin: 0 0 12px;\">If the following matter to you:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Free choice of doctor<\/li><li style=\"margin-bottom: 6px;\">High-quality hospital care<\/li><li style=\"margin-bottom: 6px;\">Treatment by senior consultants<\/li><li style=\"margin-bottom: 6px;\">Extended dental benefits<\/li><li>Contractually guaranteed benefits<\/li><\/ul><p style=\"margin: 0;\">then private health insurance structurally offers more flexibility than statutory health insurance.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">3. You plan for the long term, not just the short term<\/h3><p style=\"margin: 0 0 12px;\">Private health insurance rewards strategic thinking:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Early entry<\/li><li style=\"margin-bottom: 6px;\">Accurate health information<\/li><li style=\"margin-bottom: 6px;\">A well-considered choice of tariff<\/li><li>Realistic planning for old age<\/li><\/ul><p style=\"margin: 0;\">Those who think long-term make better use of the system.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">4. Your health is good or predictable<\/h3><p style=\"margin: 0 0 12px;\">Stable health improves:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Chances of acceptance<\/li><li style=\"margin-bottom: 6px;\">Premium conditions<\/li><li>Tariff options<\/li><\/ul><p style=\"margin: 0;\">That\u2019s why we check anonymously before you apply how insurers would assess your case.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">5. You want control instead of the solidarity principle<\/h3><p style=\"margin: 0 0 12px;\">In the statutory system, the system decides.<\/p><p style=\"margin: 0 0 12px;\">In private health insurance, you decide:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Level of benefits<\/li><li style=\"margin-bottom: 6px;\">Deductible<\/li><li style=\"margin-bottom: 6px;\">Tariff structure<\/li><li>Premium design<\/li><\/ul><p style=\"margin: 0;\">If individual control matters more to you than collective redistribution, private health insurance is often the better fit.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; border-left: 5px solid #f7eb33; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Decision check<\/h3><p style=\"margin: 0 0 12px;\">If at least three of these points apply to you, a structured review is worthwhile.<\/p><p style=\"margin: 0 0 12px;\">Not to switch immediately.<\/p><p style=\"margin: 0 0 12px;\">But to clarify whether private health insurance makes strategic sense for your situation.<\/p><p style=\"margin: 0 0 20px;\">Find out now whether private health insurance suits you.<\/p><p><a style=\"display: inline-block; background: #f7eb33; color: #1a1a1a; font-weight: bold; padding: 14px 26px; text-decoration: none;\" href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">Start an anonymous risk pre-check<\/a><\/p><\/div><\/div><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">Three typical situations \u2013 and what they mean<\/h2><p>Theory is one thing. In practice, your individual situation always decides.<\/p><p>Here are three typical situations that show how differently the same question can be answered.<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0 0;\"><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><img decoding=\"async\" style=\"width: 90px; height: 90px; display: block; margin: 0 0 16px;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Ablauf-1-1.png\" alt=\"Step 1\" width=\"90\" height=\"90\" \/><h3 style=\"margin: 0 0 16px;\">Case 1: 34 years old, employee, \u20ac82,000 gross, single<\/h3><h4 style=\"margin: 0 0 8px;\">Starting point:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">At \u20ac82,000, income is above the annual income threshold of \u20ac77,400<\/li><li style=\"margin-bottom: 6px;\">No children planned<\/li><li style=\"margin-bottom: 6px;\">Good health<\/li><li>Stable career perspective<\/li><\/ul><h4 style=\"margin: 0 0 8px;\">Question:<\/h4><p style=\"margin: 0 0 16px;\">Stay in the statutory system or switch to private health insurance?<\/p><h4 style=\"margin: 0 0 8px;\">Analysis:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Switching is legally possible<\/li><li style=\"margin-bottom: 6px;\">The employer contributes to the premium<\/li><li style=\"margin-bottom: 6px;\">Early entry secures a favourable age at entry<\/li><li style=\"margin-bottom: 6px;\">Good basis for high ageing reserves<\/li><li>Better benefits in hospital and with specialists possible<\/li><\/ul><p style=\"margin: 0;\"><strong>Our conclusion:<\/strong> Structurally very good conditions for private health insurance \u2013 provided the tariff is chosen with the long term in mind and not just the starting price.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><img decoding=\"async\" style=\"width: 90px; height: 90px; display: block; margin: 0 0 16px;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Ablauf-2-1.png\" alt=\"Step 2\" width=\"90\" height=\"90\" \/><h3 style=\"margin: 0 0 16px;\">Case 2: 41 years old, self-employed, \u20ac110,000 profit, married, 1 child<\/h3><h4 style=\"margin: 0 0 8px;\">Current premium situation:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\"><strong>Statutory:<\/strong> approx. \u20ac1,226 per month (own contribution as self-employed)<\/li><li><strong>Private:<\/strong> approx. \u20ac550\u2013750 (depending on tariff, paid in full by yourself)<\/li><\/ul><h4 style=\"margin: 0 0 8px;\">Question:<\/h4><p style=\"margin: 0 0 16px;\">Does private health insurance make economic sense \u2013 with a family too?<\/p><h4 style=\"margin: 0 0 8px;\">Analysis:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Private premium independent of income<\/li><li style=\"margin-bottom: 6px;\">Statutory contribution rises with profit up to the contribution ceiling<\/li><li style=\"margin-bottom: 6px;\">Children need their own premium in private insurance<\/li><li style=\"margin-bottom: 6px;\">Daily sickness allowance can be tailored individually<\/li><li>Retirement provision and liquidity planning are decisive<\/li><\/ul><p style=\"margin: 0;\"><strong>Our conclusion:<\/strong> Private health insurance can make sense \u2013 but only with a thorough overall view of income, family and retirement strategy.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><img loading=\"lazy\" decoding=\"async\" style=\"width: 90px; height: 90px; display: block; margin: 0 0 16px;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Ablauf-3-1.png\" alt=\"Step 3\" width=\"90\" height=\"90\" \/><h3 style=\"margin: 0 0 16px;\">Case 3: 29 years old, civil servant on probation<\/h3><h4 style=\"margin: 0 0 8px;\">Starting point:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Entitled to an allowance (e.g. 50%)<\/li><li style=\"margin-bottom: 6px;\">Very good health<\/li><li>Still at the start of her career<\/li><\/ul><h4 style=\"margin: 0 0 8px;\">Question:<\/h4><p style=\"margin: 0 0 16px;\">Statutory insurance, or private insurance topping up the allowance?<\/p><h4 style=\"margin: 0 0 8px;\">Analysis:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Statutory: the allowance covers part of the costs, statutory insurance the rest<\/li><li style=\"margin-bottom: 6px;\">Private insurance only covers the remaining share<\/li><li style=\"margin-bottom: 6px;\">Very affordable entry possible<\/li><li style=\"margin-bottom: 6px;\">Level of benefits can be chosen freely<\/li><li>The employer indirectly covers part of the healthcare costs<\/li><\/ul><h4 style=\"margin: 0 0 8px;\">Risks:<\/h4><ul style=\"margin: 0 0 16px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Choice of tariff is decisive<\/li><li>Prepare the health assessment carefully<\/li><\/ul><p style=\"margin: 0;\"><strong>Our conclusion:<\/strong> For many civil servants, private health insurance is structurally clearly more economical than voluntary statutory insurance.<\/p><\/div><\/div><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">The best providers in Germany \u2013 why the name isn\u2019t what matters<\/h2><div class=\"anbieter-tags\" style=\"display: flex; flex-wrap: wrap; gap: 10px; margin: 24px 0;\"><span class=\"anbieter-tag\">Allianz<\/span><br \/><span class=\"anbieter-tag\">Debeka<\/span><br \/><span class=\"anbieter-tag\">DKV<\/span><br \/><span class=\"anbieter-tag\">Barmenia<\/span><br \/><span class=\"anbieter-tag\">HanseMerkur<\/span><br \/><span class=\"anbieter-tag\">Universa<\/span><\/div><p>\u2013 to name just a few examples. All of them are well-known health insurers.<\/p><p>But what really matters is:<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 12px 32px; margin: 20px 0 24px;\"><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 220px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>The specific tariff<\/div><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 220px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>How premiums develop<\/div><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 220px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>The tariff structure<\/div><div style=\"display: flex; align-items: flex-start; gap: 10px; flex: 1 1 220px;\"><img decoding=\"async\" style=\"width: 20px; height: auto; margin-top: 4px; flex: none;\" src=\"https:\/\/deinonlinemakler.de\/wp-content\/uploads\/2024\/05\/Pfeil.png\" alt=\"\" \/><br \/>The options for switching<\/div><\/div><p style=\"margin-bottom: 0;\">The name of your insurer is no substitute for a proper analysis.<\/p><\/div><p><\/p><div style=\"margin-bottom: 48px;\"><h2 style=\"margin-top: 0;\">What happens to private health insurance in old age?<\/h2><p>A common objection is: <strong>\u201cWon\u2019t my premiums explode later on?\u201d<\/strong><\/p><p>The honest answer: your premiums can rise. But they don\u2019t rise arbitrarily.<\/p><p>What matters is how the system is structured.<\/p><div style=\"display: flex; flex-wrap: wrap; gap: 24px; margin: 28px 0;\"><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Ageing reserves \u2013 why they exist<\/h3><p style=\"margin: 0 0 12px;\">In private health insurance, part of your premium is not used for current benefits.<\/p><p style=\"margin: 0 0 12px;\">It is saved.<\/p><p style=\"margin: 0 0 12px;\"><strong>These so-called ageing reserves (Alterungsr\u00fcckstellungen) serve to:<\/strong><\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">cushion rising healthcare costs in later life<\/li><li style=\"margin-bottom: 6px;\">smooth out premium increases<\/li><li>make the long-term calculation of your insurance more stable<\/li><\/ul><p style=\"margin: 0 0 12px;\">The system assumes that medical costs rise with age and takes this into account from a young age.<\/p><p style=\"margin: 0;\"><strong>Important<\/strong>: the earlier you join, the stronger the effect of these reserves.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Why premiums can still rise<\/h3><p style=\"margin: 0 0 12px;\">Premium adjustments are not \u201carbitrary\u201d \u2013 they result from:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Medical progress (new, more expensive treatments)<\/li><li style=\"margin-bottom: 6px;\">Longer life expectancy<\/li><li style=\"margin-bottom: 6px;\">Greater use of benefits<\/li><li>Statutory rules on recalculation<\/li><\/ul><p style=\"margin: 0 0 12px;\">Contributions also rise in the statutory system \u2013 just through different mechanisms such as additional contributions or rising assessment ceilings.<\/p><p style=\"margin: 0 0 12px;\">So the decisive question is not: <strong>\u201cWill premiums rise?\u201d<\/strong><\/p><p style=\"margin: 0;\">But: <strong>\u201cHow controllable is the development?\u201d<\/strong><\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Internal tariff change \u2013 an often underestimated tool<\/h3><p style=\"margin: 0 0 12px;\">Within the same insurer, you have the right to change your tariff.<\/p><p style=\"margin: 0 0 12px;\"><strong>This means:<\/strong><\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Switching to a cheaper tariff<\/li><li style=\"margin-bottom: 6px;\">Adjusting your scope of benefits<\/li><li>Reducing or increasing your deductible<\/li><\/ul><p style=\"margin: 0 0 12px;\">The ageing reserves you have already built up are retained.<\/p><p style=\"margin: 0 0 12px;\">This tool is often underestimated or used incorrectly.<\/p><p style=\"margin: 0;\">Strategic support with a full overview is decisive here.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Premium relief tariffs \u2013 predictable relief in retirement<\/h3><p style=\"margin: 0 0 12px;\">Many insurers offer so-called <strong>premium relief tariffs<\/strong> (Beitragsentlastungstarife).<\/p><p style=\"margin: 0 0 12px;\">You pay an additional premium during your working life, which later reduces your private health insurance premiums.<\/p><p style=\"margin: 0 0 12px;\">It\u2019s not a must \u2013 but an option to:<\/p><ul style=\"margin: 0; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">increase planning security<\/li><li>stabilise liquidity in retirement<\/li><\/ul><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">The real core: planning instead of speculation<\/h3><p style=\"margin: 0 0 12px;\">Private health insurance is not a short-term saving measure.<\/p><p style=\"margin: 0 0 12px;\">It is a long-term decision that takes into account:<\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Your age at entry<\/li><li style=\"margin-bottom: 6px;\">Your career development<\/li><li style=\"margin-bottom: 6px;\">Your family situation (children etc.)<\/li><li>Your retirement planning<\/li><\/ul><p style=\"margin: 0;\">Those who only look at the starting price think short-term. Those who understand the system think strategically.<\/p><\/div><div style=\"flex: 1 1 320px; background: #F8F8F8; border-left: 5px solid #f7eb33; padding: 28px 24px;\"><h3 style=\"margin: 0 0 12px;\">Conclusion: private health insurance is not a budget solution.<\/h3><p style=\"margin: 0 0 12px;\">It is a calculated, long-term strategy. <strong>If you plan it properly, you make use of:<\/strong><\/p><ul style=\"margin: 0 0 12px; padding-left: 20px;\"><li style=\"margin-bottom: 6px;\">Ageing reserves<\/li><li style=\"margin-bottom: 6px;\">Tariff change options<\/li><li>Premium relief models<\/li><\/ul><p style=\"margin: 0 0 12px;\">If you get it wrong, you pay unnecessarily later.<\/p><p style=\"margin: 0 0 20px;\">If you want to know how your premiums could realistically develop, we\u2019ll review it with you step by step before you decide.<\/p><p><a style=\"display: inline-block; background: #f7eb33; color: #1a1a1a; font-weight: bold; padding: 14px 26px; text-decoration: none;\" href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">Get your personal health insurance strategy<\/a><\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e145814 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e145814\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions about private health insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9de583 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-toggle\" data-id=\"b9de583\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_mobile&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1941\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1941\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I take out private health insurance as an expat or EU Blue Card holder?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1941\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1941\"><p>Yes \u2013 if you are not compulsorily insured in the statutory system. As an employee, that is the case if your income is above the annual income threshold; as a self-employed person or freelancer, you can choose freely. Many residence permits, including the EU Blue Card, require proof of adequate health insurance.<\/p><p>Important for expats: think about how long you plan to stay in Germany and what happens to your cover if you move abroad. We explain your options in English and check them with several insurers before you apply.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1942\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1942\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Will private health insurance become unaffordable in old age?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1942\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1942\"><p>No, not automatically. Part of your premium goes into ageing reserves that cushion later premium increases. Internal tariff changes (Section 204 VVG) and premium relief tariffs also help. The earlier you join, the stronger the effect of these reserves. What matters is sustainable long-term planning, not the lowest starting price.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1943\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1943\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens if I become unemployed or am ill for a long time?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1943\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1943\"><p>If you receive unemployment benefit I (Arbeitslosengeld I), returning to statutory health insurance may be possible under certain conditions.<\/p><p>If you receive citizen\u2019s income (B\u00fcrgergeld), you are generally required to be insured in the statutory system.<\/p><p>If you fall ill, your private health insurance pays the contractually agreed benefits. Your income is secured \u2013 if agreed \u2013 by a daily sickness allowance insurance (Krankentagegeld).<\/p><p>The right tariff structure is decisive here.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1944\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1944\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I return to statutory health insurance at 55 or later?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1944\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1944\"><p>From the age of 55, returning to statutory health insurance is heavily restricted.<\/p><p>That\u2019s why switching to private health insurance should not be a short-term or speculative decision, but based on a long-term strategy.<\/p><p>If you switch at a young age, you should take a realistic view of your career and family plans.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1945\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1945\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens with part-time work, parental leave or changes in income?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1945\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1945\"><p>In private health insurance, the premium does not depend on your income.<\/p><p>This means:<\/p><ul><li>If your income falls, your premium does not fall automatically.<\/li><li>However, there are options to change tariffs or adjust your deductible and scope of benefits.<\/li><\/ul><p>Especially when planning a family or career changes, this phase should be taken into account in advance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1946\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1946\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is the difference between private and statutory health insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1946\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1946\"><p>In statutory health insurance (GKV), contributions depend on your income (solidarity principle) and benefits can be changed politically. In private health insurance (PKV), the premium depends on age, health and tariff \u2013 in return, benefits are contractually guaranteed and can be tailored individually. Private insurance offers more control, statutory insurance more collective protection.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1947\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1947\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the most common mistakes when switching to private health insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1947\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1947\"><p>Typical mistakes are:<\/p><ul><li>Only looking at the starting price<\/li><li>Giving incomplete health information<\/li><li>Not checking the tariff structure for the long term<\/li><li>Not taking family planning into account<\/li><li>Not carrying out an anonymous risk pre-check<\/li><\/ul><p>Private health insurance is not a quick decision but a long-term contractual commitment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1948\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1948\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens if I become seriously ill?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1948\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1948\"><p>Your scope of benefits is contractually guaranteed.<\/p><p>Unlike statutory health insurance, benefits cannot be reduced unilaterally. What matters, however, is which tariff you chose and which benefits it includes.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1949\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1949\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Does private health insurance make sense for families with children?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1949\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1949\"><p>There is no free family insurance in the private system.<\/p><p>Each child needs their own premium.<\/p><p>Whether private health insurance makes sense depends on:<\/p><ul><li>Income<\/li><li>Entitlement to allowances (Beihilfe)<\/li><li>Number of children<\/li><li>Long-term financial planning<\/li><\/ul><p>There is no one-size-fits-all answer here.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19410\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-19410\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Is everyone accepted by private health insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19410\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-19410\"><p>No.<\/p><p>Before concluding a contract, insurers check:<\/p><ul><li>Pre-existing conditions<\/li><li>Ongoing treatments<\/li><li>Chronic illnesses<\/li><li>Psychological diagnoses<\/li><\/ul><p>Depending on the risk, this can lead to surcharges, exclusions or rejection.<\/p><p>That\u2019s why an anonymous risk pre-check before applying makes sense.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19411\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-19411\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When should I not switch to private health insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19411\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-19411\"><p>Switching often does not make sense if:<\/p><ul><li>your income is only just above the annual income threshold<\/li><li>you are planning several children and have no entitlement to allowances<\/li><li>your professional future is uncertain<\/li><li>your finances depend heavily on your income<\/li><\/ul><p>Not everyone benefits from private health insurance \u2013 and that is exactly what should be checked in advance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19412\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-19412\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens in the event of divorce or separation?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19412\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-19412\"><p>In private health insurance, every person is insured individually.<\/p><p>In the event of a divorce, the contract continues independently. There is no free co-insurance of family members as in the statutory system.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19413\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-19413\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Is private health insurance a safe decision?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19413\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-19413\"><p>Security does not come from the system alone, but from:<\/p><ul><li>The right choice of tariff<\/li><li>A careful health assessment<\/li><li>Realistic long-term planning<\/li><li>Strategic support<\/li><\/ul><p>Private health insurance is not a short-term saving solution, but a long-term decision.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19414\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-19414\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When is private health insurance worth it?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19414\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-19414\"><p>Private health insurance is particularly worthwhile if your income is permanently above the annual income threshold (2026: \u20ac77,400 gross\/year), you are healthy and you plan for the long term. Civil servants with allowances and many self-employed people also benefit. What matters is not the starting price but the right structural starting position.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19415\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-19415\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How much does private health insurance cost per month?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19415\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-19415\"><p>There is no one-size-fits-all figure. As a guide: a healthy employee in their mid-30s often pays \u20ac450\u2013650 total premium (own share after the employer\u2019s contribution approx. \u20ac250\u2013350), a civil servant with a 50% allowance around \u20ac250\u2013400. <a href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">We calculate your actual premium individually<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19416\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-19416\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Who can switch to private health insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19416\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-19416\"><p>Employees whose gross income is above the annual income threshold (2026: \u20ac77,400), as well as self-employed people and freelancers regardless of income. Civil servants and those entitled to allowances can use private insurance to top up their allowance. Doctors are also a classic target group. Children need their own tariff.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19417\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-19417\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens if my health assessment is rejected?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19417\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-19417\"><p>A rejection or risk surcharges can limit your options permanently. That\u2019s why we carry out an <a href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\">anonymous risk pre-check<\/a> in advance: we find out from several insurers how your health would be assessed \u2013 standard, with a surcharge or with an exclusion \u2013 without an official application being put on record. This way you avoid a documented rejection.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-19418\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-19418\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What does private health insurance cost for civil servants?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-19418\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-19418\"><p>Civil servants receive an allowance (Beihilfe) from their employer (often 50%), and private insurance only covers the remaining share. This makes premiums of around \u20ac250\u2013400 per month realistic, often less at a young age of entry. For many civil servants, private insurance with an allowance is considerably cheaper than voluntary statutory insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I take out private health insurance as an expat or EU Blue Card holder?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes \\u2013 if you are not compulsorily insured in the statutory system. As an employee, that is the case if your income is above the annual income threshold; as a self-employed person or freelancer, you can choose freely. Many residence permits, including the EU Blue Card, require proof of adequate health insurance.<\\\/p><p>Important for expats: think about how long you plan to stay in Germany and what happens to your cover if you move abroad. We explain your options in English and check them with several insurers before you apply.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Will private health insurance become unaffordable in old age?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>No, not automatically. Part of your premium goes into ageing reserves that cushion later premium increases. Internal tariff changes (Section 204 VVG) and premium relief tariffs also help. The earlier you join, the stronger the effect of these reserves. What matters is sustainable long-term planning, not the lowest starting price.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens if I become unemployed or am ill for a long time?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you receive unemployment benefit I (Arbeitslosengeld I), returning to statutory health insurance may be possible under certain conditions.<\\\/p><p>If you receive citizen\\u2019s income (B\\u00fcrgergeld), you are generally required to be insured in the statutory system.<\\\/p><p>If you fall ill, your private health insurance pays the contractually agreed benefits. Your income is secured \\u2013 if agreed \\u2013 by a daily sickness allowance insurance (Krankentagegeld).<\\\/p><p>The right tariff structure is decisive here.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Can I return to statutory health insurance at 55 or later?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>From the age of 55, returning to statutory health insurance is heavily restricted.<\\\/p><p>That\\u2019s why switching to private health insurance should not be a short-term or speculative decision, but based on a long-term strategy.<\\\/p><p>If you switch at a young age, you should take a realistic view of your career and family plans.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens with part-time work, parental leave or changes in income?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In private health insurance, the premium does not depend on your income.<\\\/p><p>This means:<\\\/p><ul><li>If your income falls, your premium does not fall automatically.<\\\/li><li>However, there are options to change tariffs or adjust your deductible and scope of benefits.<\\\/li><\\\/ul><p>Especially when planning a family or career changes, this phase should be taken into account in advance.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between private and statutory health insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In statutory health insurance (GKV), contributions depend on your income (solidarity principle) and benefits can be changed politically. In private health insurance (PKV), the premium depends on age, health and tariff \\u2013 in return, benefits are contractually guaranteed and can be tailored individually. Private insurance offers more control, statutory insurance more collective protection.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What are the most common mistakes when switching to private health insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Typical mistakes are:<\\\/p><ul><li>Only looking at the starting price<\\\/li><li>Giving incomplete health information<\\\/li><li>Not checking the tariff structure for the long term<\\\/li><li>Not taking family planning into account<\\\/li><li>Not carrying out an anonymous risk pre-check<\\\/li><\\\/ul><p>Private health insurance is not a quick decision but a long-term contractual commitment.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens if I become seriously ill?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Your scope of benefits is contractually guaranteed.<\\\/p><p>Unlike statutory health insurance, benefits cannot be reduced unilaterally. What matters, however, is which tariff you chose and which benefits it includes.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Does private health insurance make sense for families with children?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>There is no free family insurance in the private system.<\\\/p><p>Each child needs their own premium.<\\\/p><p>Whether private health insurance makes sense depends on:<\\\/p><ul><li>Income<\\\/li><li>Entitlement to allowances (Beihilfe)<\\\/li><li>Number of children<\\\/li><li>Long-term financial planning<\\\/li><\\\/ul><p>There is no one-size-fits-all answer here.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Is everyone accepted by private health insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>No.<\\\/p><p>Before concluding a contract, insurers check:<\\\/p><ul><li>Pre-existing conditions<\\\/li><li>Ongoing treatments<\\\/li><li>Chronic illnesses<\\\/li><li>Psychological diagnoses<\\\/li><\\\/ul><p>Depending on the risk, this can lead to surcharges, exclusions or rejection.<\\\/p><p>That\\u2019s why an anonymous risk pre-check before applying makes sense.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"When should I not switch to private health insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Switching often does not make sense if:<\\\/p><ul><li>your income is only just above the annual income threshold<\\\/li><li>you are planning several children and have no entitlement to allowances<\\\/li><li>your professional future is uncertain<\\\/li><li>your finances depend heavily on your income<\\\/li><\\\/ul><p>Not everyone benefits from private health insurance \\u2013 and that is exactly what should be checked in advance.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens in the event of divorce or separation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In private health insurance, every person is insured individually.<\\\/p><p>In the event of a divorce, the contract continues independently. There is no free co-insurance of family members as in the statutory system.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Is private health insurance a safe decision?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Security does not come from the system alone, but from:<\\\/p><ul><li>The right choice of tariff<\\\/li><li>A careful health assessment<\\\/li><li>Realistic long-term planning<\\\/li><li>Strategic support<\\\/li><\\\/ul><p>Private health insurance is not a short-term saving solution, but a long-term decision.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"When is private health insurance worth it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Private health insurance is particularly worthwhile if your income is permanently above the annual income threshold (2026: \\u20ac77,400 gross\\\/year), you are healthy and you plan for the long term. Civil servants with allowances and many self-employed people also benefit. What matters is not the starting price but the right structural starting position.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How much does private health insurance cost per month?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>There is no one-size-fits-all figure. As a guide: a healthy employee in their mid-30s often pays \\u20ac450\\u2013650 total premium (own share after the employer\\u2019s contribution approx. \\u20ac250\\u2013350), a civil servant with a 50% allowance around \\u20ac250\\u2013400. <a href=\\\"https:\\\/\\\/deinonlinemakler.de\\\/en\\\/inquire-now\\\/\\\">We calculate your actual premium individually<\\\/a>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Who can switch to private health insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Employees whose gross income is above the annual income threshold (2026: \\u20ac77,400), as well as self-employed people and freelancers regardless of income. Civil servants and those entitled to allowances can use private insurance to top up their allowance. Doctors are also a classic target group. Children need their own tariff.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens if my health assessment is rejected?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>A rejection or risk surcharges can limit your options permanently. That\\u2019s why we carry out an <a href=\\\"https:\\\/\\\/deinonlinemakler.de\\\/en\\\/inquire-now\\\/\\\">anonymous risk pre-check<\\\/a> in advance: we find out from several insurers how your health would be assessed \\u2013 standard, with a surcharge or with an exclusion \\u2013 without an official application being put on record. This way you avoid a documented rejection.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What does private health insurance cost for civil servants?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Civil servants receive an allowance (Beihilfe) from their employer (often 50%), and private insurance only covers the remaining share. This makes premiums of around \\u20ac250\\u2013400 per month realistic, often less at a young age of entry. For many civil servants, private insurance with an allowance is considerably cheaper than voluntary statutory insurance.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3885628 e-con-full e-flex e-con e-child\" data-id=\"3885628\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5964d22 e-con-full e-flex e-con e-child\" data-id=\"5964d22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7fac3e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e7fac3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Decide with clarity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d3db5f elementor-widget elementor-widget-text-editor\" data-id=\"7d3db5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Private health insurance commits you for the long term.<\/p><p>First check anonymously and without obligation whether you would be accepted at all.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a490ec5 e-grid e-con-full e-con e-child\" data-id=\"a490ec5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20b2654 elementor-animation-grow elementor-widget-mobile__width-inherit elementor-widget elementor-widget-mdp-buttoner-elementor\" data-id=\"20b2654\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mdp-buttoner-elementor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <style>\n            .mdp-buttoner-container-20b2654 .mdp-buttoner-link { cursor: pointer; }         <\/style>\n                <!-- Start Buttoner for Elementor WordPress Plugin -->\n        <div class=\"mdp-buttoner-container mdp-buttoner-container-20b2654\">\n            <a id=\"\"\n               href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\"\n               class=\"mdp-buttoner-link elementor-animation-grow\"\n\t\t\t\t\t\t\t\t            >\n\n\t\t        <span >\n\n\t\t\t                <span class=\"mdp-buttoner-icon \">\n            <i aria-hidden=\"true\" class=\"\"><\/i>\n        <\/span>\n\t\t\n                    <span class=\"mdp-buttoner-text\">Start anonymous risk pre-check<\/span>\n\n                    \n\t\t        <\/span>\n\n            <\/a>\n        <\/div>\n        <!-- End Buttoner for Elementor WordPress Plugin -->\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c4672d elementor-animation-grow elementor-widget-mobile__width-inherit elementor-widget elementor-widget-mdp-buttoner-elementor\" data-id=\"8c4672d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mdp-buttoner-elementor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <style>\n            .mdp-buttoner-container-8c4672d .mdp-buttoner-link { cursor: pointer; }         <\/style>\n                <!-- Start Buttoner for Elementor WordPress Plugin -->\n        <div class=\"mdp-buttoner-container mdp-buttoner-container-8c4672d\">\n            <a id=\"\"\n               href=\"https:\/\/deinonlinemakler.de\/en\/inquire-now\/\"\n               class=\"mdp-buttoner-link elementor-animation-grow\"\n\t\t\t\t\t\t\t\t            >\n\n\t\t        <span >\n\n\t\t\t                <span class=\"mdp-buttoner-icon \">\n            <i aria-hidden=\"true\" class=\"\"><\/i>\n        <\/span>\n\t\t\n                    <span class=\"mdp-buttoner-text\">Get your personal premium<\/span>\n\n                    \n\t\t        <\/span>\n\n            <\/a>\n        <\/div>\n        <!-- End Buttoner for Elementor WordPress Plugin -->\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-838bf2c e-con-full e-flex e-con e-child\" data-id=\"838bf2c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35d525d elementor-widget elementor-widget-table-of-contents\" data-id=\"35d525d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;container&quot;:&quot;.cluster-main-content&quot;,&quot;exclude_headings_by_selector&quot;:&quot;.faq-title&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_offset&quot;:50,&quot;sticky_effects_offset&quot;:50,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<div class=\"elementor-toc__header-title\">\n\t\t\t\tOn this page\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__35d525d\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0de516c e-flex e-con-boxed e-con e-parent\" data-id=\"0de516c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f6e3c6f e-con-full e-flex e-con e-child\" data-id=\"f6e3c6f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a4beba4 e-flex e-con-boxed e-con e-parent\" data-id=\"a4beba4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your Private Health Insurance Tailored to your Wishes,your Budget and your Life Situation Individually Customizable Plans Support in Selection Handling Comparisons and Negotiations Request a personalised offer Info on Private Health Insurance Good Reasonsfor Private Health Insurance The great advantage of private health insurance compared to statutory health insurance is that you can design the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Private health insurance in Germany \u2013 for expats & locals | dein onlinemakler","_seopress_titles_desc":"Private or statutory health insurance in Germany? We analyse your situation in English, check your acceptance chances anonymously and guide you to the right decision.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"private health insurance,PKV","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"footnotes":""},"class_list":["post-4449","page","type-page","status-publish","hentry"],"meta_box":[],"_links":{"self":[{"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/pages\/4449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/comments?post=4449"}],"version-history":[{"count":5,"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/pages\/4449\/revisions"}],"predecessor-version":[{"id":4646,"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/pages\/4449\/revisions\/4646"}],"wp:attachment":[{"href":"https:\/\/deinonlinemakler.de\/en\/wp-json\/wp\/v2\/media?parent=4449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}