Specialist for Health Insurance
As of: 14.09.2020
How do I decide, private or statutory?
What should I choose, private or statutory? Health is by far the most valuable asset! That’s why it is highly recommended and important to seek advice from an independent specialist for health insurance.
Wichtig
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The Most Important Thing in Life – Health!
Choosing a health insurance plan is about your health. In Germany, there are basically two systems for health coverage:- 1) Private Health Insurance (PHI / PKV): You can freely decide which benefits you want covered, e.g., medications, choice of doctor, choice of hospital beyond standard coverage, etc.
- 2) Statutory Health Insurance (SHI / GKV): According to § 12 SGB V, all services must be sufficient, appropriate, and economical. Services beyond this scope cannot be approved by statutory health insurance.
Switching to PHI is not suitable for everyone. Therefore, professional advice is essential!
Do you have a question? Take advantage of our free consultation!
The Sooner, the Better!
If switching to private health insurance (PHI) is an option for you, get informed as quickly as possible. Therefore, you shouldn’t delay the decision between PHI or SHI:- Entry Age: The earlier you switch, the lower the premium.
- Reserves: 10% of reserves are accumulated month by month for retirement.
- Freezing Health Questions: Every illness and doctor visit can complicate or prevent a switch to PHI.
An Important Decision
Only a small portion of the population—this is legally regulated—can switch to private health insurance. This decision should be made carefully as it has far-reaching consequences for the future.The choice of company and plan has enormous consequences for your future. You don’t switch private health insurance every two years, otherwise part of the reserves will be lost.
Premium Consultation Without Financial Risk
Feel free to get professional advice. Here you can fully understand our process with the help of the Health Insurance Consultation Process. In 5 steps, we find an optimal solution for you. Before we consult you, it is highly recommended that you prepare the following documents for PHI in advance.- 1) PHI Self-Disclosure Form: Please fill everything out carefully, especially the health questions: outpatient (last 3 years), inpatient, and psychotherapy (last 10 years).
- 2) PHI Additional Declarations: If necessary, or for more complex conditions, we need special additional declarations (e.g., allergy, back problems). If you have check-ups, findings, or doctor reports from the last 5 years, please prepare them in advance.
- 3) Privacy Statement: To process the health questions and personal data, we need your digital signature so we can handle your data in compliance with data protection regulations.
Important
Do you want to switch to private health insurance at the earliest possible date? That’s no problem. You can cancel your statutory health insurance within the current month for the earliest possible switch. This is completely safe, as the cancellation only takes effect upon acceptance by a new health insurance company. This gives us over two months to find the right health insurance for you. If we don’t find a suitable insurance, you remain with your current health insurance and the cancellation has no effect.
Here is the cancellation template. You can fill this out and send it to your health insurance company. This way, we save money during the switch and can secure better medical coverage for you faster.
