Our Blog
Latest articles and insights into the German healthcare system.
Health Insurance 2026: New Contribution Limits & Digital Reporting Procedures
The year 2026 brings significant changes: complete digitalization and rising contribution limits. The previous paper certificate for privately insured individuals will be discontinued and replaced by an automated data exchange via ELStAM.
Demographic Change: Impact on statutory and private health insurance contributions
Aging Society & Health Insurance: Analysis of the financial consequences for the GKV solidarity system & PKV age reserves.
PKV Criticism Fact Check: Contributions, Benefits & Old-Age Security
Is PKV too expensive in old age? We examine the most common criticisms of private health insurance with facts & data. Objective analysis.
PKV Change: The 7 Most Common Mistakes & How to Avoid Them
Planning a PKV switch? Avoid costly mistakes! Learn about cost traps, old-age provisions, tariff changes & the optimal strategy.
PKV Application Rejected? Reasons, Alternatives & Next Steps
PKV rejection due to pre-existing conditions? Find out the reasons & which options (basic tariff, GKV, supplementary insurance) are available to you.
Health Check for Private Health Insurance: Process, Questions & Impact on Premiums
PKV health check: What is asked? How do pre-existing conditions affect your premiums & what happens if you provide false information?
PKV Emergency Tariff: Benefits, Costs & Difference to the Basic Tariff
PKV emergency tariff: Which benefits are included, what does it cost & how do you switch back to your normal tariff? Find out now!
PKV Tariff Change & Optimization: Reduce Contributions Without Losing Benefits
PKV premium too high? Optimize your tariff according to § 204 VVG: Keep old-age provisions, lower premiums & secure benefits.
Altersrückstellungen in der PKV: Function, Calculation & Transferability
Old-age provisions in PKV: How they work, what happens during tariff changes & why they stabilize contributions in old age.
PKV Contribution Calculation: Factors, Formula & Influence Options
PKV contribution: entry age, tariff, health status & deductible explained. How to actively influence your contribution amount.
GKV Contribution Calculation 2026: Formula, BBG & Maximum Contribution
Statutory Health Insurance contribution calculation explained: contribution rate, contribution assessment ceiling & additional contribution. Current values 2026 & calculation examples.
Contribution Assessment Limit 2026: Current BBG Values & Effects
Contribution Assessment Ceiling (BBG) 2025: Current thresholds, significance for GKV contributions & difference from the Annual Income Threshold.
JAEG 2025: What You Need to Know
JAEG 2025: From what income can you join the PKV? Current values, calculation & requirements.