In conversations with our customers, we are often confronted with the concern that premiums will rise exorbitantly in old age and that they won’t be able to afford the high costs anymore. Private health insurance companies take into account the increased risk of illness in old age when structuring premiums and calculate correspondingly higher premiums to cover the rising health costs in old age.

We Offer You a Solution for This Too!

We’d be happy to show you the possibility of building up reserves in your younger years, thereby avoiding high contributions in old age. You voluntarily pay higher contributions during the times when you’re still working and thus relieve yourself for retirement age.

For taking out private health insurance, the health check is an indispensable step in the application process. From the perspective of insurance companies, it serves to assess the individual risk of the applicant and adjust the insurance conditions accordingly. You must fill out a detailed questionnaire about your health condition. This includes questions about current and previous illnesses, surgeries, medication intake, hospital stays, and other relevant medical information. In some cases, the insurance company may require additional medical examinations or assessments.

After you’ve read through the offers, compared plans, and filled out health questionnaires, it can happen that you’re rejected by the insurance company. Reasons for rejection can include serious pre-existing conditions, chronic illnesses, or certain risk factors that the insurance company considers too high a risk for the applicant.

So you’re back at the very beginning of your search, comparisons, and application process.

We have simplified this exact process for you. We negotiate with the insurance companies in the background on your behalf and present you only with contract offers from private insurance companies that would be happy to insure you.

As independent insurance brokers, we know the market and have access to almost all offers from German insurance companies. We sit down with you and find exactly the offer that suits you.

There are over 40 different private health insurance companies on the market, and they all have their advantages and peculiarities. We handle the extensive comparison for you and select only offers that meet your wishes.

We are and remain your point of contact – even after the contract is signed. Has something changed in your personal or professional situation? Then we’ll take a look at your insurance together and check whether it’s still the best choice.