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Private health insurance & supplementary cover

Privately insured or looking for extra cover?
We know our way around here too.

Whether it's dental cover, switching to private health insurance (PKV) or a private premium that's too high: just send us your request – we'll get back to you personally and tell you honestly what suits you. Even if that's statutory health insurance.

Jan OrtgiesInsurance broker licensed under § 34d(1) GewO
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Three topics

How we can help you

Statutory health insurance is the right choice for most people. For anything beyond that, you'll find a contact person here.

  1. Supplementary cover alongside statutory insurance

    Dental work, professional teeth cleaning, glasses or a single room in hospital: here, statutory health insurance often pays only part of the cost or nothing at all. Private supplementary insurance closes exactly the gaps that matter to you – and you remain in statutory health insurance.

  2. Switching to private health insurance

    Possible for the self-employed, civil servants and employees whose income is above the compulsory insurance threshold – in 2026 that's €77,400 gross a year (§ 6 SGB V). Anyone wanting to switch on 1 January 2027 will probably also have to be above the new threshold of €84,150 (the Bundesrat decides on 20.11.2026). Whether switching is worthwhile depends on age, health, family and life plans.

  3. Already privately insured – premium too high?

    You have the right to switch to another tariff with equivalent cover within your insurer. Rights you have acquired and your ageing reserve are credited (§ 204 VVG). We'll check with you which tariffs could be an option.

To be honest: private health insurance isn't automatically cheaper

For young, healthy people, private health insurance is often cheaper than statutory insurance. But its premiums are not based on income – they depend on the tariff, your age when you join and your state of health – and they can rise considerably over the years. Children and partners without their own income are not insured free of charge. And the way back into statutory health insurance is usually closed from the age of 55 (§ 6(3a) SGB V). That's why good advice also includes the question of whether you'd be better off staying in statutory health insurance.

How it works

Your assessment in three steps

1

Send request

Three short questions – takes about two minutes. We don't need any information about your health for this.

2

We'll get back to you personally

By email – or by phone if you've ticked the callback box. We'll clarify your situation and what matters to you.

3

You decide in your own time

You'll get an honest assessment and, if it fits, quotes to compare. The decision is yours.

Your request

What can we help you with?

Non-binding and free of charge. We'll get back to you personally.

Step 1 of 3

What is it about?
Your situation

Please don't include any details about illnesses or treatments here – we'll discuss that personally.

How we can reach you

Please only enter a phone number together with the call-back tick – or leave both empty and we will reply by email.

When you submit, we process your details to answer your request and advise you (Art. 6(1)(b) GDPR). Details in our privacy policy. To prevent abuse, Cloudflare Turnstile checks on submission whether a human is using the form. We will send you our initial information as an insurance broker (in German) with the confirmation email. Your request is non-binding.

Remuneration notice: As an insurance broker, we receive remuneration from the insurer (commission) when we arrange private health or supplementary insurance; it is included in the insurance premium. For services for which no commission is paid – such as advice on a tariff switch alone – a fee may apply. We will discuss this with you beforehand; you will not incur any costs without your express consent.

Frequently asked questions

Questions about private and supplementary cover

Can I take out private supplementary insurance if I have statutory health insurance?
Yes. You take out supplementary insurance with a private insurer – no matter which statutory health insurer you're with. If you switch health insurer, your supplementary insurance stays in place. Health questions are usually asked when you take it out, and waiting periods apply to some benefits.
Who can join private health insurance?
Self-employed people and freelancers, civil servants (usually in addition to the government healthcare allowance for civil servants, Beihilfe) and employees whose regular gross income is above the compulsory insurance threshold and is expected to be above the following year's threshold too – in 2026 that's €77,400 a year or €6,450 a month (§ 6 SGB V). For 2027 a threshold of €84,150 is planned (the Bundesrat decides on 20.11.2026). Students can also be exempted from compulsory insurance under certain conditions.
Can I go back to statutory health insurance later?
Only under certain conditions – for example, if as an employee your income falls below the compulsory insurance threshold again. From the age of 55, returning is generally ruled out (§ 6(3a) SGB V). The decision to take out private health insurance should therefore be well considered. When the way back is open – including through the higher compulsory insurance threshold in 2027 – is explained on our page From private back to public health insurance.
My private health insurance premium has risen sharply – what can I do?
Switching to a different private insurer is often unfavourable at an advanced age, because the ageing reserve can only be partly transferred – or, for contracts from before 2009, not at all. It's usually worth looking at your own insurance first: under § 204 VVG you may switch to another tariff with equivalent cover, and your ageing reserve is credited. A higher deductible or dropping individual benefits are also options. We'll work out together what suits you.
What does the advice cost?
Your request and the first conversation are free of charge and non-binding. If we arrange an insurance policy for you, we receive remuneration from the insurer. If, exceptionally, a fee applies – for example for advice on a tariff switch alone – we'll tell you beforehand. You will not incur any costs without your express consent.
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