Private Health Insurance Consultation: Consultation Process

Here we show you how the consultation process for health insurance works with us. We guide you structurally and transparently through the topic to determine whether switching to a private health insurance plan is advisable. If it is not advisable, we can, if desired, provide guidance on private supplementary health insurance:

I First Appointment:

• We get to know each other (see Dehua Chen), and discuss your expectations.
• Together we go through the health questionnaire.
• What are your wishes & goals for your health insurance?
• Explanation of private health insurance (PKV) and differences between PKV and GKV.
• Data protection declaration (GDPR)

Preparation for the first appointment:

• PKV Self-Disclosure: Please fill out everything carefully, especially the outpatient health questions (last 3 years), inpatient, and psychotherapy (last 10 years).
• PKV Additional Declarations: If necessary or for complex illnesses, we require specific additional declarations (e.g., allergies, back problems). If you have medical reports, findings, or examinations from the last 5 years, please prepare them.
• Data Protection Declaration: For processing health questions and personal data, we require your digital signature to handle your data in compliance with GDPR.

II Second Appointment:

• Presentation of results from anonymous preliminary risk inquiries by the insurance companies: Under which conditions will they accept you?
• Presentation of various companies and tariffs: Through a detailed summary from comparison software.
• Contribution histories: How have the tariffs developed and how are they expected to develop?
• Summary in your individual PKV dossier: The most important points are clearly summarized for you.

Preparation for the second appointment:

• Anonymous preliminary risk inquiries: All health inquiries are submitted anonymously. This ensures that the insurance companies do not store your name or address.
• Status verification: Are you voluntarily insured? As an employee above the annual income threshold of €66,000 gross (2023), as well as civil servants, self-employed, and students.

III Third Appointment:

• Final questions regarding private health insurance are clarified.
• Clarification of BRE contribution reimbursements or bonuses.
• Conclusion and enrollment in private health insurance.
• GKV cancellation is countersigned.
• The process of switching is explained for successful implementation of PKV.

After completion of the third appointment:

• GKV cancellation confirmation: The cancellation confirmation must be submitted immediately to the new insurance company.
• PKV acceptance confirmation: The acceptance of PKV must be forwarded to the GKV.
• PKV insurance certificate: This must be forwarded to the HR department for the employer contribution to private health insurance.