Private health insurance (PKV) are private insurance companies that offer health insurance. Unlike in the statutory health insurance (GKV), the contract is not by law, but by a private contract.
Private health insurance companies usually offer better insurance coverage at lower prices, but not everyone can take out private insurance.
Employees who can prove an income of more than 62.550.-€ per year can also take out private insurance. Otherwise it is mandatory to be insured in the public health insurance.
Self-employed persons, civil servants or freelancers can also take out private health insurance.
The amount of the insurance premium in the private health insurance is mainly based on the following three factors:
Factor 1: The state of health of the insured
Factor 2: age of the insured person
Factor 3: scope of services of the tariff
An example: Who is young, enjoys the best health and wishes a riser tariff, pays in principle fewer insurance contributions than an insured person of middle age in a tariff with premium achievements.
A quick and easy change to a statutory health insurance (GKV) is not possible, but there are the possibilities.
Employees have the possibility to switch back to the statutory health insurance if their annual gross income drops below 62,550 Euro - the equivalent of 5,212.50 Euro gross per month (2020) - again.
Self-employed persons must give up their self-employment and change to a permanent employment relationship before they can take out statutory health insurance
Important: However, the annual income limit must also be taken into account and must not exceed the income limit for the assessment of contributions. Likewise, those who are older than 55 years of age are not allowed to change.
A private health insurance (PKV) makes sense for high earning employees, self-employed, freelancers and civil servants. Especially if you attach importance to a high-quality care in case of illness.
Important, however, not for everyone it makes sense to insure privately sick people, because there are also disadvantages.
Passport photo for your health insurance card
the change to a new health insurance company must be announced to the employer, this is done by the insurance company
This data is important to be able to automatically send notices of cancellation to the pre-insurance company.
You will receive health insurance confirmations after the private health insurance company has confirmed your application.