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Latest articles and insights into the German healthcare system.
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.
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.