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Latest articles and insights into the German healthcare system.
Psychotherapy and Cures: Who Covers Which Services (GKV/PKV)?
The services for psychotherapy and cures differ significantly between GKV and PKV. GKV offers solid basic coverage for recognized psychotherapies and medically necessary cures after approval. PKV coverage varies greatly by tariff, potentially offering more choice but also limitations; check contract details carefully. Supplementary insurance can cover gaps for GKV members, e.g., for naturopath services.
The Basic Tariff in Private Health Insurance (PKV): Who is it Suitable For?
The Basic Tariff is a legally guaranteed social tariff in private health insurance. It ensures admission without a health check and is intended for insured individuals in financial difficulties. The benefits are comparable to statutory health insurance (GKV), and the premium is capped at the GKV maximum. For those in need, the premium can be reduced to zero. Since switching often means a reduction in benefits, an internal tariff change according to § 204 VVG is usually a better alternative for lowering costs while maintaining higher benefit standards.
Switching to Private Health Insurance (PKV): The Most Common Mistakes to Avoid to Save Costs
PKV Switch: Avoid Costly Mistakes! ✓Calculate Contribution ✓Health Check ✓Family Planning ✓Tariff Choice ✓Cost Factors. Get Informed Now!
Reserves for Old Age in Private Health Insurance (PKV): Function and Importance for Premium Development
How do reserves for old age in the PKV work? This article explains their function, formation, and importance for stable premiums in old age. Get informed now!
Health Insurance: The Differences Between Statutory and Private Health Insurance
The solidarity principle of statutory health insurance (GKV) and the equivalence principle of private health insurance (PKV) explained simply. Learn about the differences in contributions, benefits & financing. Inform yourself now!
PKV vs. GKV: Are There Differences in Waiting Times?
Why do patients with statutory health insurance wait longer for specialist appointments? We analyze the billing systems, compare PKV and GKV, the economic incentives, and offer tips for finding appointments.
Pre-existing Conditions in Private Health Insurance: Will Premiums Rise?
PKV and pre-existing conditions: How do they affect your premium? Risk surcharges, health checks & what to consider during the application process. Get informed now!
Hospital Treatment: Public vs. Private Health Insurance
Health insurance in the hospital: Understand the differences in benefits, doctor choice & comfort. What does public insurance cover, what does private insurance cover? Compare now!
Dental Prosthetics – Statutory vs. Private Health Insurance
Statutory or private health insurance for dental prosthetics: A neutral comparison of benefits and costs. What does the insurance pay? How do you close coverage gaps? Find out now!
Checklist: GKV vs. PKV. The Comprehensive Checklist for Your Decision
GKV or Private Health Insurance? This overview helps employees choose! ✓ Differences & employer contribution ✓ Checklist for your decision! Get informed now.
GKV vs. PKV Calculator: Contribution with High Income
Health insurance for high earners? A neutral comparison for high earners. Differences, contributions, benefits, and tax aspects checked. Get informed now!
Pensioners – GKV or PKV in Old Age?
Statutory health insurance or PKV in retirement: A detailed comparison of contribution calculation for pensioners. Learn more about assessment bases, subsidies, and benefits.
Students – Choose Public or Private Health Insurance?
Health insurance during studies: GKV or PKV? Our guide helps you make the right choice. Info on benefits, contributions & important decision support!
Self-Employed: Statutory Health Insurance (GKV) or Private Health Insurance (PKV)?
We compare benefits, contributions, and flexibility for the self-employed in PKV and GKV. Find the optimal health insurance for your needs!
When is a switch to private health insurance worthwhile?
When is a switch to private health insurance worthwhile? Our comparison helps with choosing health insurance. Discover the differences in benefits, contributions, and flexibility for your decision.