Private health insurance
High earners, civil servants or self-employed persons can voluntarily insure themselves in a private health insurance company and choose a tariff with tailor-made advantages. If your choice falls on private health insurance, we can help you further!
Individually covered
If you live in Germany, you often have a choice – private or statutory health insurance. In both insurances customers enjoy good protection. But by choosing private health insurance, customers can agree on individual additional benefits to be better covered in the event of illness.
Private health insurance
Private health insurance is an attractive option for many people to be covered according to individual needs. Those who want higher-quality dental treatment or dentures, or would like to be treated by a chief physician, can choose a corresponding tariff with private health insurance.
Advantages with a private health insurance
The private health insurance has some advantages for its customers, which can be selected with a tariff.
- Cover for higher treatment costs
- Chefarztbehandlung in the hospital
- Dental treatment costs
- Daily sickness benefits without a long waiting period
- Possibility of premium refund
The benefits are optional in each case and not the same with every insurer.
The prerequisite for employees to be accepted into a private health insurance plan is the applicant's annual gross salary. If this is above the respective annual income limit, a change can be considered.
Before joining a private health insurance, applicants must disclose relevant pre-existing conditions via a questionnaire.
Depending on the result of the evaluation, policyholders have to pay an additional risk surcharge each month.
Decisive is the income or. the status of the person who wants to be insured privately. Spouses usually remain unaffected by the decision.
As long as both spouses do not earn more than the annual income limit and only one partner is privately insured, children can choose between private and statutory health insurance.
If both partners earn above the annual income threshold, the higher earner must remain in the statutory health insurance scheme. Otherwise the elective option for the children is forfeited.
As an insurance broker, we offer our advice on the subject of private health insurance in Kassel. You will receive an individual offer from us, which we will adapt to your situation. We can put together a special offer with a reduced contribution tariff so that you can enjoy your pension or your retirement time safely.
What are the advantages of private health insurance?
The decisive advantage of private health insurance is the scope of the insurance cover and its efficiency. The fee schedule, which sets the framework for billing medical services, gives the practitioner the opportunity to better tailor his treatment and therapy to the patient's needs in terms of content and timing. Approved drugs can be prescribed without restriction if their use is medically justified. It is easier to visit a specialist directly; a referral is not usually required.
Who can take out private health insurance?
Private health insurance is available to salaried employees with an income above the annual income threshold, the self-employed, freelancers and civil servants. Civil servant candidates take out. In the year 2021 the annual income limit is 64.350 EUR. In many cases, the insurance coverage is also available to family members.
rates for civil servants
For many civil servants, such as teachers or administrative officials, the employer pays an allowance towards health costs. As a rule, this amounts to 50 % or. 70 %. The remaining costs are covered by the private health insurance for civil servants. The tariffs for persons entitled to benefits are therefore based on their specific needs, which result from the advance payment of the employer, z. B. in the case of dental prostheses or hospital services, results. For benefits that are not included in the benefits catalog of the aid, the insurers provide supplementary modules. The health insurance for civil servants is often designed in a modular way in order to be able to better adapt it to individual needs.
Tariffs for self-employed persons
Private health insurance for the self-employed takes their special situation into account in its tariff models. Entrepreneurs often face a start-up phase in which they need to invest extensively. In this case, a low-cost entry-level tariff with an option for a guaranteed switch to a more efficient tariff is often a good solution. Flexibility in the insurance conditions is particularly important for these tariffs. The tax aspect of health insurance is also taken into account for the self-employed.
Tariffs for employees
In the case of privately insured salaried employees, the employer pays part of the health insurance premiums. Depending on the tariff selection, the actual monthly premium can be very low, taking into account a premium refund. This offers the possibility to immediately enter the most efficient tariffs. Further involvement of the employer in the quality of insurance coverage within the framework of a company health insurance can influence the selection of the appropriate tariff. Senior employees or engineers whose earnings exceed the income limit of currently 64.350 EUR, have the option of taking out private insurance.
Tariffs for freelancers
Freelancers, such as. B. Architects, lawyers and tax consultants, also have the option to insure themselves privately. They are entrepreneurs just like the self-employed, but in many cases they do not have the high investment needs of the productive entrepreneur. The mostly required presence of the freelancer at his activities poses a special challenge with regard to occurring illnesses.
We help you with your personal tariff selection.
Depending on your profession, age and life situation, your insurance broker in Kassel will help you find the insurance cover that suits you best. The best possible choice of tariffs is ensured by our independent advice. The tariffs offered are numerous and the providers very different, so that a decision is difficult to make without years of experience and up-to-date expertise. Our consultation in Kassel focuses on a careful analysis of your personal situation and the sustainable planning of your health insurance policy.
Which criteria are important for the tariff selection?
In addition to the factors already mentioned above, which cover your professional and family situation, other criteria play a role in choosing the right tariff. These are z. B. the state of health and the actual need for benefits. Your family planning and career goal can be decisive in choosing the right tariffs.
The premium stability of the tariffs
The focus of private health insurance is on benefits, not premiums. However, premium stability should not be underestimated in a, ideally, lifelong contract. It expresses how forward-looking your health insurance rate has been calculated by the insurance company. Premium adjustments must take place, because medical care is becoming increasingly more efficient. Healthcare innovations, such as new drugs and therapies, are available to you as a private patient promptly after their approval. Nevertheless, you want to be sure that you will be able to afford your health insurance premiums for many years to come, especially after you retire. Insurers therefore build up reserves, so-called aging reserves, from a portion of the insurance premium. The size of this portion of the premium and the level of the actuarial interest rate, which is taken into account in the premium calculation, have a major influence on the development of premiums.
Ratings from agencies
As a customer, it is easy to know which insurers exist and to expect that they will remain on the market for years to come. But what will it look like in 30, 40 or 50 years??
Regularly the tariffs of the health insurers are evaluated by rating agencies. The basis here is the development of premiums in recent years and the financial strength resulting from the company's business figures. At the same time, a rating takes into account how the average age of the insured and the company's investment policy affect the future viability of the rates.
Ratings provide a solid basis for evaluating health insurance companies and insurers. In the case of a negative rating, the best advertising promises are of no use if the future financial viability of an insurance policy is doubtful. We therefore do not offer such insurance to our customers. For us, trust is very important when choosing a health insurance company. Therefore we pay attention to a positive rating!
Appropriate tariff group
What good is the cheapest insurance if the premiums rise after just a few years to the point where they are back to the average?? Or worse: In old age, this health insurance becomes expensive and creates the risk of old-age poverty?
To prevent this from happening, it is important that customers are on the right tariff for them right from the start. As a result, you as a customer pay the amount that makes the most sense for you. In order to keep the tariff as low as possible in old age, it is also advisable to build up age reserves early on. This allows you to reduce the premium by a fixed amount in old age, for example, a lump sum of 100 euros per month.
Avoidance of switching
Some prospective customers made the mistake many years ago of letting an advisor sell them a small private health insurance policy. Now, over the years, insurance has become more expensive and these customers suffer from rising premiums. The mistake was usually that these prospective buyers fell into so-called "peasant traps". You have chosen an affordable insurance policy, but have not built up significant age reserves. As a direct consequence of this decision, these reserves must now be made up by the time you retire. This will exorbitantly increase insurance premiums and cause a lot of frustration.
But then these customers might make an even more expensive mistake: they change insurance companies. The big disadvantage, however, is that part of the age reserves are completely lost when switching to another provider. This mistake quickly results in a loss in the four- to five-figure range.
This mistake should be avoided at all costs! A good private health insurance should be chosen from the beginning, which has a good financial rating and allows the build-up of age reserves. This significantly reduces the risk of rising premiums.
Public health insurance or private health insurance
For many professionals the choice is not as clear as for civil servants. Not everyone is a teacher and receives an allowance from the state. Groups such as the self-employed, doctors, entrepreneurs and high-earning employees sometimes have doubts as to whether PKV or statutory health insurance would be an option for them in the first place.
As an independent insurance broker, we can help you regardless of your choice. Because we can also arrange a statutory health insurance for you and take into account the additional tariffs of the private supplementary health insurance for you. This allows you to put together your own combination for affordable and suitable insurance coverage when needed.
Who should not take out a PKV?
For some customer groups, private health insurance is basically a bad choice. We advise the following groups of people not to take out private health insurance unless they work in parallel as civil servants:
People between 40 and 45 are in a zone where one should consider the probability of success of a steep career. Often a PKV can be worthwhile, provided that the customer possesses a very good health and is ready to form additionally age reserves. The situation is different for people over 45 with. These groups can hardly be insured economically sensible in the private health insurance.
We also advise start-ups to be careful! If you are starting a business or freshly self-employed, you often still pay the monthly premium based on last year's income. In many cases, this start-up was preceded by dependent employment with a fixed salary. As a result, start-ups usually have to pay higher contributions to the statutory insurance scheme in the first year they are established. However, these payments can be reclaimed from the tax office with the next tax assessment. Then often only the minimum of approx. pay 200 euros a month in statutory insurance. Every private health insurance is more expensive!
Private health insurance can be unattractive for people in high-risk professions. Those who work as ski instructors or bodyguards, for example, could face major difficulties with sharply rising private health insurance premiums over the years.
Advice in Kassel
The subject of private health insurance is very large and requires experience. Mistakes can be made too quickly that later turn out to be financial disasters.
To make sure this doesn't happen, we offer our customers advice on private health insurance on site in Kassel. Take the opportunity and arrange a consultation with us.