Private Health Insurance

Coverage and Services

Private health insurance offers comprehensive medical coverage, often with more extensive benefits compared to statutory health insurance. Policyholders can have access to a broader range of medical treatments, services, and treatment options. Depending on the chosen plan, private health insurance may include coverage for private rooms during hospital stays, alternative medicine, and other specialized treatments.

Choice of Physicians and Hospitals

With private healthcare, individuals often have the freedom to choose their preferred doctors, specialists, and hospitals for medical treatment. This flexibility allows patients to seek care from renowned medical professionals and facilities.

Shorter Waiting Times

Private healthcare may offer shorter waiting times for appointments and medical procedures compared to the public health system, ensuring quicker access to medical care.

No-claim Bonus

An insurance year always starts on 01.01 of a year and ends on 31.12 of a year. If you do not visit a doctor during this period, or if you do not have any health treatments (this does not apply to preventive services), you are entitled to a premium refund, because private health insurance rewards people who are healthy. 

Individualized Plans

Private health insurance policies can be tailored to suit individual needs, taking into account factors such as age, health condition, and desired coverage levels. Policyholders have the option to customize their plans with various add-ons and riders to address specific healthcare needs.

Lower Premiums

The cost of private health insurance in Germany is determined based on various factors, including the policyholder’s age, health status, desired coverage, and the chosen insurance provider. The premiums are usually the same or cheaper than the premiums for statutory health insurance, but can still offer more comprehensive protection and more benefits.

Eligibility

Not everyone is eligible for private health insurance in Germany. Generally, individuals with incomes above the income threshold (currently around €66.600 per year in 2023) or certain professional groups, such as self-employed individuals and civil servants, have the option to join private health insurance.

It’s important to note that once an individual switches to private healthcare, they generally cannot return to statutory health insurance, even if their income falls below the threshold. Therefore, it is crucial for individuals to carefully consider their health insurance options and the long-term implications before making a decision.

Private healthcare in Germany caters to individuals who prioritize flexibility, personalized coverage, and access to premium medical services. However, the choice between private and public health insurance ultimately depends on individual circumstances, financial considerations, and healthcare needs. It is advisable for individuals to seek advice from insurance professionals or healthcare experts to make an informed decision about their health insurance coverage in Germany.