Private health insurance — honest advice for a lifetime decision.
Better benefits — but only if the policy fits your life.
Private health insurance offers higher-quality medical care, shorter waiting times for specialists, free choice of hospital and treatment method, and contractually guaranteed benefits that hold for life. For civil servants (Beamte) the contribution is often significantly lower than under the statutory system thanks to the state subsidy (Beihilfe).
At the same time, the PKV is a strategic decision with long-term consequences: contributions evolve differently than in the statutory health system (gesetzliche Krankenversicherung, "GKV"), switching back is only possible under limited conditions, and family cover works differently — children and spouses are not co-insured for free.
Honest advice weighs all of this carefully, rather than recommending or rejecting the PKV across the board. We analyze your life situation, your career path, and your financial planning — and arrive at a recommendation that will still hold up in 20 years.
What really matters when choosing a policy.
These are the elements we evaluate for every policy — beyond the headline premium.
- Inpatient: single or double room and treatment by the chief physician
- Outpatient: alternative practitioners (Heilpraktiker), psychotherapy without session caps
- Dental: high reimbursement, including implants and inlays
- Preventive care without rigid age limits
- Worldwide travel cover
- Premium reduction in retirement (Beitragsentlastungstarif / BEA)
- Waiver of the statutory cap on additional benefits
- Anwartschaft (pre-reserved entry rights) and option rights
- Stable contribution calculation by an established insurer
- Fair transfer of ageing reserves on a policy switch within the insurer
What separates a good PKV from a bad one.
Three factors that matter more in the long run than the entry premium.
Insurers with sustainable premium calculation
We evaluate insurers by their premium stability, administrative costs, surplus allocation, and balance-sheet metrics — not by short-lived marketing offers.
Clear, durable policy terms
Policies that have repeatedly required corrections are a warning sign. We recommend policies with stable, customer-friendly conditions that have held up across generations.
A policy that fits your life stage
Young singles, families planning children, self-employed people building a business, and civil servants all have different requirements. A serious recommendation accounts for that.
Mistakes that policyholders usually only notice years later.
From our advisory practice, we know the typical traps in switching to or selecting a PKV policy.
- Focusing only on the entry premium, not on long-term contribution development
- Choosing a policy from an insurer with weak premium calculation
- Deductible (Selbstbehalt) chosen wrongly for your life situation
- Family planning not factored in — children and spouses must be insured separately
- Anwartschaft policy forgotten during a stay abroad
- Health questions answered carelessly
- Switching without checking how to return to the statutory system later
- No premium-reduction component (BEA) built in — making contributions too high in retirement
Structured, transparent, no sales pressure.
You stay in the driver's seat at every step — and walk away with a clear concept in hand.
You describe your situation — via the inquiry assistant or our contact form.
We review your position, existing policies, and your actual risk.
A reasoned recommendation — you can see exactly why each piece is suggested.
Implementation, annual review, and one named contact — including in the event of a claim.
What you should know about the PKV.
Got another question? Just get in touch directly.
Who is eligible for private health insurance in Germany?
What's the fundamental difference between PKV and GKV?
How do PKV premiums develop in old age?
Can I move back from the PKV to the statutory system?
Which benefits matter most?
How high should the deductible be?
Ready for an honest assessment of your PKV options?
We'll check whether the PKV is really the right move for your life situation — and which policy fits you. No obligation, no cost, typically within one business day.
