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Private health insurance

With private health insurance (Private Krankenversicherung), benefits depend on the chosen policy, and premiums on age, health and the scope of cover. This step needs careful consideration, as returning to statutory health insurance is often difficult.

What matters

  • EligibilityAvailable to self-employed people, civil servants and employees earning above the annual earnings threshold.
  • Premiums in later lifeWe show you how they could develop.
  • FamilyUnlike statutory health insurance, there is no family cover without additional contributions.
  • Switching tariffsIf you already have private health insurance, you can switch tariffs within your insurer.

Who is this suitable for?

For self-employed people, civil servants and higher-earning employees.

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