GesundSmart
Solid, affordable basic cover
- Free choice of doctor & hospital
- Shared room in hospital
- 70 % for high-quality dental prosthetics
- Naturopaths & natural remedies
- Option to upgrade to GesundPro
← Health insurance · Full insurance
Full private health insurance · Mein Privatschutz
Your health, your rules.
With full private cover, you decide the scope of your protection yourself – once agreed, contractually guaranteed. “Mein Privatschutz” from Generali gives you top-tier care, predictable premiums and reserves for old age. Made for the self-employed, business owners and high-earning employees.
Generali since 1913
More than 1,7 million customers
Over 14 billion € in reserves for old age
01 · Who it's for
Who can go fully private.
Full private health insurance isn't open to everyone – but it is open to exactly the people who want to decide on their own protection.
Self-employed & freelancers
You're not tied to the solidarity system and can switch to full private cover at any time.
Employees with a good income
If your gross income is above the compulsory insurance threshold, you're free to choose – with an employer contribution.
Civil servants with benefit aid
With your benefit-aid entitlement, private health insurance covers the rest precisely – often at a particularly low cost.
02 · Why private
Guaranteed benefits instead of watered-down promises.
In the statutory system, lawmakers decide what you get – and keep cutting it back. In full private cover, your scope of benefits is contractually guaranteed. And unlike statutory health insurance (GKV), real reserves are built up for your old age.
Contractually guaranteed
Once agreed, your scope of benefits stays with you. No political benefit cuts like in the statutory system.
14 billion €
in aging reserves that Generali has set aside to stabilize your premium in old age (funded, not pay-as-you-go).
Reimbursement
You're a private patient: free choice of doctor and clinic, treatment by specialists, often a faster appointment.
Private health insurance (PKV) is attractive for tax, too: a large share of your premiums is deductible, and as an employee your employer pays half.
03 · The plans
Three routes to your private protection.
You decide how comprehensive your protection is and how high your deductible is. Later, you can move up to the stronger plan without a new health assessment.
GesundPro
Strong protection, 3 deductible levels
- Chief physician & treatment by specialists
- Single or double room
- 90 % for high-quality dental prosthetics
- Choose your deductible (GesundPro 1/2/3)
- Lifelong option rights
GesundProP
Top protection with premium refund
- Full GesundPro scope of benefits
- Guaranteed premium refund
- Up to 5 monthly premiums back per year
- Preventive care still included
- Switch to GesundPro at any time
04 · What you get
Best care when it counts, and rewarded.
Hospital
5 days in hospital with a chief physician
Severe abdominal and back pain, admission by ambulance, five days as an inpatient with continuous treatment by the chief physician.
Ambulance, specialist diagnostics, double room & chief physician3.510 €
GesundPro reimbursement3.510 €
Premium back
Stayed healthy? Money back
In the GesundProP plan you get part of your premiums back if you submit no bills for a calendar year. Guaranteed – and as a new customer, from the very first year.
Up to 5
monthly premiums back per year. You can still go for preventive care – there's a preventive-care allowance of up to 300 €.
05 · All-around protection
Three modules that make your protection complete.
Daily sickness allowance
If you're ill for longer, your income stops – for the self-employed, immediately. Daily sickness allowance protects your standard of living.
- For employees, tradespeople & freelancers
- Cover up to the level of your net income
- The benefit is tax-free
Premium relief in old age
With EBE or EBE63 you provide for the future today and pay noticeably less for your health insurance in retirement.
- Lower premium from your 63rd or 65th birthday
- Employer contributes for employees
- Premiums tax-deductible, the reduction tax-free
Long-term care cover
In old age, almost one in two people become in need of care. Statutory care covers only part of it – the rest is your gap.
- Compulsory long-term care insurance as a basis
- Supplementary care cover, also state-subsidized
- Closes the gap (care home: quickly over 100.000 €)
06 · Frequently asked questions
Clearly explained, honestly answered.
Who can take out full private health insurance?
Self-employed professionals and freelancers, at any time. Employees, once their gross income is above the compulsory insurance threshold. And civil servants with a benefit-aid entitlement. Whether you qualify is something we'll clarify in conversation.
What does private health insurance (PKV) cost in old age?
In younger years, private cover builds up reserves (aging reserves) that cushion the higher costs of old age – at Generali, over 14 billion €. With premium relief in old age (EBE/EBE63) you lower your premium in retirement even further.
What is the premium refund?
If you submit no bills for a calendar year, you get part of your premiums back. In GesundProP this is guaranteed – up to five monthly premiums per year. In GesundPro1 there is a performance-based refund.
Can I move back to statutory health insurance?
A return to statutory cover (GKV) is only possible under certain conditions and becomes harder with age. That's exactly why the switch should be well thought through. I work through it honestly with you before you decide.
Is private health insurance worth it for the self-employed?
For many, yes: better care with predictable, benefit-based premiums instead of income-based statutory premiums. Whether it pays off for you depends on your income, health and life plans – we'll look at that together.
Your next step
Is full private cover your path?
We work through your situation calmly – honestly, with no pressure and an eye on old age. In person in Lüdenscheid or via video.
“Mein Privatschutz” is the full private health insurance of Generali Deutschland Krankenversicherung AG, with the GesundSmart, GesundPro and GesundProP plans. Daily sickness allowance, premium relief in old age (EBE/EBE63) and compulsory and supplementary long-term care insurance are separate plans. Benefit and calculation examples are illustrative (as of 2026) and rounded; actual benefits and premiums depend on the chosen plan, entry age, state of health and care used. Only the respective insurance terms and your insurance policy are binding. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG) and brokers as a tied insurance agent (Sec. 34d GewO, German Trade Regulation). This page is non-binding information and does not replace individual advice.