Welcome back to the dein onlinemakler blog! Today we’re focusing on a particularly interesting topic: private health insurance (PKV) for self-employed individuals and freelancers. These professional groups often benefit especially from the advantages of PKV. Learn here why private health insurance is worthwhile for self-employed individuals and freelancers, and which aspects you should consider.

Advantages of private health insurance for self-employed

Self-employed individuals and freelancers typically don’t have employers who contribute to their health insurance costs. Therefore, it’s particularly important for them to find insurance that optimally fits their needs. PKV offers numerous advantages here:

• Individual tariff design: Self-employed individuals can customize their tariffs in PKV. This means you can choose exactly the benefits you need, thus avoiding unnecessary costs.
• Better benefits: PKV often offers more comprehensive benefits than statutory health insurance (GKV). These include shorter waiting times for specialists, free choice of doctors, and better accommodation in hospitals.
• Flexibility in contributions: With PKV, you have the option to influence the amount of your contributions by choosing the deductible and benefits. This allows you to adapt your insurance to your financial situation.
  

Costs and Benefits in Comparison

An important aspect when deciding on PKV is the cost. Compared to GKV, PKV contributions can often be lower initially, especially if you are young and healthy. However, it’s important to consider the long-term development of contributions.

The benefits in PKV are generally more extensive than in GKV. For example, you can take advantage of better dental services, alternative healing methods, or comprehensive preventive examinations. These benefits can make the difference and optimally secure your health.

Experiences from Self-Employed Individuals

Many self-employed individuals and freelancers who have switched to PKV report positive experiences. They particularly appreciate the ability to customize their tariffs and access comprehensive benefits. The flexibility in contributions and better care in case of illness are also frequently mentioned as advantages.

Important Aspects When Choosing PKV

When choosing PKV, you should consider some important points:

• Long-term contribution development: Inform yourself about the possible development of contributions in PKV. Contributions can increase with age, so it’s important to consider this in your planning.
• Scope of benefits: Consider which benefits are particularly important to you and choose a tariff that covers these. Make sure the tariff is flexible enough to adapt to changing life situations.
• Seek advice: Professional consultation can help you keep an overview and find the best plan for you. We at dein onlinemakler are here to assist you with our expertise and support you in making your choice.
  

Conclusion

Private health insurance offers many advantages for self-employed individuals and freelancers, from individually customizable tariffs to better benefits. With the right planning and advice, you can ensure that you receive optimal insurance coverage. Stay tuned for more valuable tips and information about insurance here on our blog!