Care & Health
Private Health Insurance (PKV)
Tailored protection for your health
Discover the benefits of private health insurance, individually tailored to you and your needs and offering you comprehensive protection.
Your health, our protection: tailored insurance
Private health insurance offers you tailored cover for your health. Unlike statutory health insurance, private health insurance lets you choose individual benefit packages that match your needs and expectations. These include benefits such as free choice of doctor, treatment by the senior consultant, a single or double room in hospital and other additional benefits. With private health insurance, you gain access to high-quality medical care and enjoy comprehensive insurance cover.
Frequently asked questions: Private Health Insurance (PKV)
What is private health insurance?
Private health insurance is insurance that provides individual health cover. It gives policyholders access to private medical services, such as choice of doctor or hospital, shorter waiting times and extended benefits compared with statutory health insurance.
Who can take out private health insurance?
As a rule, people who meet certain requirements can take out private health insurance. These often include a certain level of income or occupational status. Access to private health insurance may be regulated differently depending on the country.
Which benefits are covered by private health insurance?
The benefits of private health insurance vary depending on the contract and individual needs. They can be more extensive than those of statutory health insurance and may cover, for example, the costs of medical treatment, medication, hospital stays, preventive check-ups and alternative therapies.
Is private health insurance more expensive than statutory health insurance?
Private health insurance premiums can be higher than contributions to statutory health insurance. This is because private health insurers offer individual cover and are not based on uniform contribution rates. The costs depend on various factors such as age, state of health and the chosen scope of benefits.