Welcome back to the dein onlinemakler blog! Today, we’re taking a closer look at individual tariff design in private health insurance (PKV) and why it’s so advantageous.
One of the biggest advantages of PKV compared to statutory health insurance (GKV) is the ability to customize tariffs individually. This flexibility allows you to choose exactly the benefits you need, tailoring your insurance perfectly to your needs and life situation.
Understanding Benefit Modules
In PKV, there are various benefit modules that you can combine according to your wishes. These include outpatient services, inpatient services, and dental services, among others. Each module can be equipped with different levels of benefits, so you can determine how comprehensive your insurance coverage should be.
Outpatient Services
For outpatient services, you can decide, for example, whether you want to have free choice of doctor or if reimbursement for alternative healing methods is important to you. You can also specify whether you want special services such as preventive check-ups or extensive diagnostics.
Inpatient Services
Inpatient services cover the costs of hospital stays. Here you can choose whether you want to be accommodated in a single or double room and whether you want to be treated by a chief physician. These options offer you greater comfort and more individualized treatment in the hospital.
Dental Services
For dental services, you have the option to choose different tariffs for dental treatments, prophylaxis, and dental prostheses. For example, you can specify whether you want a higher subsidy for high-quality materials such as ceramic fillings or implants.
Considering Individual Needs
A customized tariff in PKV takes into account your individual needs, budget, and life situation. This way, you can ensure that you’re not paying for services you don’t need while still getting the best possible protection.
Guidance Through the Selection Process
To find the optimal tariff for you, it’s important to make an informed decision. This is exactly where we come in. As your online broker, we stand by your side and guide you through the entire selection process. We take the time to understand your needs precisely and compare the various tariffs and benefits with each other.
Comparison and Negotiations
We handle the extensive comparison of various tariffs for you and conduct negotiations with insurance companies. This way, you can be sure that you’re getting the best tariff at the best conditions without having to worry about the details yourself.
Conclusion
Individual tariff design in private health insurance offers you the opportunity to shape your insurance coverage exactly according to your wishes and needs. With our support, you’ll find the perfect tariff and can rely on comprehensive and customized protection. Stay tuned for more valuable information about insurance here on our blog!
