Health insurance
Statutory or private? The cover that fits your life.
Your health comes first. When it comes to cover, you have two paths: top up your statutory health insurance (GKV) with targeted extras, or go fully private with private health insurance (PKV) from the start. Together we'll find what fits your life situation.
Statutory (GKV)
A solid base for everyone
- Benefits
- Defined by law, the same for everyone. Repeatedly cut back in the past.
- Premium
- Based on your income, not on the benefits you receive.
- Billing
- Benefits in kind: your health fund settles the costs directly.
Private (PKV)
Individual & contractually guaranteed
- Benefits
- You define the scope. Once agreed, contractually guaranteed.
- Premium
- Based on your plan and entry age, with reserves set aside for later life.
- Billing
- Reimbursement model: the best care, no debate.
You can protect your health comprehensively in either system: top up your statutory cover with private supplementary insurance, or opt directly for full private insurance with all-around protection.
Top up statutory cover
Supplementary health insurance
For GKV members: close your health fund's gaps precisely – modular and starting at just a few euros a month.
- Dental prosthetics, chief physician & single room
- Naturopathy, preventive care & vision aids
- Dedicated cover for children
Go fully private
Full private insurance
For self-employed professionals, business owners and employees above the compulsory insurance threshold: top-tier care with a contractual guarantee.
- Three plans from basic cover to premium
- Premium refunds & premium relief in old age
- Daily sickness allowance & care add-ons available
Not sure which path fits? That's exactly what we'll figure out together.