{"id":1517,"date":"2026-01-29T15:44:57","date_gmt":"2026-01-29T14:44:57","guid":{"rendered":"https:\/\/www.max-for-sure.de\/?page_id=1517"},"modified":"2026-04-25T17:43:12","modified_gmt":"2026-04-25T15:43:12","slug":"private-health-insurance-pkv","status":"publish","type":"page","link":"https:\/\/www.max-for-sure.de\/fr\/private-health-insurance-pkv\/","title":{"rendered":"\u00a0Private Health Insurance (PKV)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1517\" class=\"elementor elementor-1517\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70ef2aac e-con-full e-flex e-con e-parent\" data-id=\"70ef2aac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3c1b4a55 e-flex e-con-boxed e-con e-child\" data-id=\"3c1b4a55\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1cf5ff78 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"1cf5ff78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:600}\">\n\t\t<div class=\"elementor-element elementor-element-72c73ecf e-con-full e-flex e-con e-child\" data-id=\"72c73ecf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5823059c elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5823059c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"text-generate-effect\" data-duration=\"600\">This page is mainly about Private Health Insurance (PKV) for expats who already live and work in Germany. If you\u2019re looking for <a href=\"https:\/\/www.max-for-sure.de\/\">expat health insurance<\/a> to enter Germany or to apply for a (Schengen) visa or resident permit, <a href=\"#faq\">click here<\/a><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53c4445 e-con-full e-flex e-con e-child\" data-id=\"53c4445\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d446482 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"2d446482\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1928ebb2 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1928ebb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our health is <br \/><span class=\"twocolor\"> our most valuable asset.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6777c9b7 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6777c9b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Private Health Insurance (PKV) undeniably offers the highest standard of medical care in Germany \u2013 and even worldwide. Yet, in an insurance jungle that\u2019s already hard to navigate, Private Health Insurance is considered to be the most complex.<\/p><p>This complexity affects one group in particular: <strong>expats.<\/strong><\/p><p>Without prior knowledge or the necessary language skills, it\u2019s almost impossible to gain the insights needed to make sustainable decisions about the healthcare plan that protects both your health and your finances.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-033f931 elementor-widget elementor-widget-global elementor-global-1653 elementor-widget-button\" data-id=\"033f931\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/get-in-touch\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Get in touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31eface5 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"31eface5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbd2162 elementor-widget elementor-widget-image\" data-id=\"5dbd2162\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7.1,&quot;sizes&quot;:[]},&quot;motion_fx_translateX_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:68}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1268\" height=\"1204\" src=\"https:\/\/www.max-for-sure.de\/wp-content\/uploads\/2026\/01\/Screenshot-2026-01-20-at-7.07.47-PM.png\" class=\"attachment-1536x1536 size-1536x1536 wp-image-1332\" alt=\"Private Health Insurance Germany\" srcset=\"https:\/\/www.max-for-sure.de\/wp-content\/uploads\/2026\/01\/Screenshot-2026-01-20-at-7.07.47-PM.png 1268w, https:\/\/www.max-for-sure.de\/wp-content\/uploads\/2026\/01\/Screenshot-2026-01-20-at-7.07.47-PM-300x285.png 300w, https:\/\/www.max-for-sure.de\/wp-content\/uploads\/2026\/01\/Screenshot-2026-01-20-at-7.07.47-PM-1024x972.png 1024w, https:\/\/www.max-for-sure.de\/wp-content\/uploads\/2026\/01\/Screenshot-2026-01-20-at-7.07.47-PM-768x729.png 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-688db763 e-con-full e-flex e-con e-parent\" data-id=\"688db763\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-696467da elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"696467da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Difficulties for expats when choosing Private Health Insurance (PKV)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2eaab4ff e-flex e-con-boxed e-con e-child\" data-id=\"2eaab4ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-543d7586 e-con-full e-flex e-con e-child\" data-id=\"543d7586\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-49ceb991 e-con-full e-flex e-con e-child\" data-id=\"49ceb991\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bbde2ba animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7bbde2ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u2753 <\/span><b>Too many open questions remain unanswered<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Eligibility, long\u2011term price development, what happens when you have kids, retirement, moving abroad, taxes, a possible return to public insurance, etc.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37ca172 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"37ca172\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:800}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83e\udded <\/span><b>Truly independent advice is hard to find<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">Most platforms and agents represent one or just a few companies \u2013 meaning they sell what they\u2019re allowed to or have to, not necessarily what\u2019s best for <\/span><i><span style=\"font-weight: 400;\">you<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa59a18 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"aa59a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83d\udcb8 <\/span><b>Prices are often totally misleading<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Without proper context, premiums don\u2019t reflect tax deductions, employer contributions, necessary add-ons or all the bonuses \u2013 making price comparisons totally unreliable.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff42f0a animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ff42f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:1200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83d\udcc4 <\/span><b>You\u2019re shown what <\/b><b><i>is<\/i><\/b><b> covered \u2013 but not what <\/b><b><i>isn\u2019t<\/i><\/b><b><i><br \/><\/i><\/b><span style=\"font-weight: 400;\"> Exclusions, limitations, obligations and deductibles are buried deep in the terms and conditions, yet they\u2019re exactly what matters to assess the product\u2019s quality and individual suitability.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dba87a animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5dba87a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:1400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83e\udde9 <\/span><b>PKV consists of countless modules and add\u2011ons<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Which ones are essential, which ones are optional, and where can you safely save money without risking future problems?<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf61ae animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3bf61ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:1600}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83d\udcca <\/span><b>Soft factors are hard to assess but crucial<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Financial stability of the insurer, ageing provisions, past premium increases, tariff structure, and long\u2011term sustainability are rarely discussed \u2013 yet they can make a huge difference over time.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c11196 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3c11196\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:1800}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83d\udd01 <\/span><b>Unclear rules around future tariff changes<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> How easily can you switch tariffs later on? Under what conditions? And how do you avoid getting stuck in an expensive or inflexible plan?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c0929 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"42c0929\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:2000}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83d\udcdd <\/span><b>Medical questionnaires are complex and high\u2011risk<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> How detailed do your answers need to be? What should be disclosed? And what happens if something is missing or misunderstood?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a88fcb animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5a88fcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:2200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\ud83d\udcde <\/span><b>No long\u2011term point of contact after signing<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Once the contract is in place, many expats are left alone \u2013 with no one to answer questions, help with claims, or adjust coverage when needed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc1d206 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"cc1d206\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:2400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u26a0\ufe0f <\/span><b>Decisions are often made too fast<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> PKV insures your most valuable assets: your health and your money \u2013 yet many expats are pushed to decide quickly, oftentimes baited by cheap premiums or good marketing, making a product look better than it is, without fully understanding the consequences.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61602c3f e-con-full e-flex e-con e-parent\" data-id=\"61602c3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25ecf0b5 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"25ecf0b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u2705 What you get with my Full Care Package<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6b1567 e-flex e-con-boxed e-con e-child\" data-id=\"e6b1567\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1fac6881 e-con-full e-flex e-con e-child\" data-id=\"1fac6881\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-61c8d1bc e-con-full e-flex e-con e-child\" data-id=\"61c8d1bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48a0414 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"48a0414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\u2753 You get clarity on everything<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">There are two things you don\u2019t know: the things you\u2019re aware of you don\u2019t know <\/span><span style=\"font-weight: 400;\">\u2013 <\/span><span style=\"font-weight: 400;\">aka your questions<\/span><span style=\"font-weight: 400;\"> \u2013<\/span><span style=\"font-weight: 400;\">\u00a0 and the ones you don\u2019t know you don\u2019t know. That\u2019s what the consulting is for. Over multiple sessions, we go through everything that\u2019s relevant for your future health insurance, with plenty of time for Q&amp;A. Prevention is better than cure.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3e2abd elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b3e2abd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83e\udded You get independent, unbiased advice<\/b><b><br \/><\/b> <span style=\"font-weight: 400;\">As a broker, I\u2019m not tied to any one provider. I compare across the market and recommend what fits you best \u2013 not what I\u2019m told to sell.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf00fb0 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"bf00fb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83d\udcb8 You get a realistic understanding of true costs<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">What they show you is almost never what you actually pay. I factor in tax benefits, employer contributions, all bonus systems, deductibles, and long-term affordability so you get to compare all price scenarios between tariffs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1249a0e elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1249a0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83d\udcc4 You learn what\u2019s <\/b><b>not<\/b><b> covered, not just what is<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">More relevant in insurance than any other field: know what you\u2019re NOT getting<\/span><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">I go over what you can expect from your insurance, but also the things which are not (adequately) covered \u2013 highlighting not only benefits but also exclusions, obligations, and hidden deductibles and limitations.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf2be44 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"bf2be44\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83e\udde9 You get help choosing the right modules<\/b><b><br \/><\/b> <span style=\"font-weight: 400;\">I guide you through every option \u2013 from dental to daily sickness allowances, hospital room upgrades, long-term care allowances, access to private health care, change of tariff rights, etc. \u2013 and help you actually include what\u2019s important to you and what you can maybe skip.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbfa566 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"dbfa566\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83d\udcca You get access to the full picture<\/b><b><br \/><\/b> <span style=\"font-weight: 400;\">I give you insight into very important soft factors: the insurer\u2019s financial health, stability of your tariff, historical price development and sustainability.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c7ec82 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"8c7ec82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83d\udd01 You stay flexible in the future<\/b><b><br \/><\/b> <span style=\"font-weight: 400;\">I explain the conditions for future tariff changes, and make sure your setup allows for adjustments when your life changes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae55468 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ae55468\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83d\udcdd You get personal help with the medical questionnaires and the official application<\/b><b><br \/><\/b> <span style=\"font-weight: 400;\">I help you complete the health declaration correctly and safely \u2013 including how to handle past diagnoses, prescriptions, or grey areas without putting your application \u2013 and thus your insurance \u2013 at risk.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0145be4 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0145be4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\ud83d\udcde You have a long-term contact person<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">Does your need for support end after the application was done? Of course not! I\u2019ll assist with the paperwork afterwards and explain how to handle claims and make the most out of your bonus programme. I remain available for questions, updates, claims assistance, and changes \u2013 even years down the road.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0097c78 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0097c78\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\u26a0\ufe0f You get the time, space, and context to decide<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">I give you the tools to understand, reflect, and make a decision that\u2019s right for your health and financial wellbeing \u2013 now and in the long run.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d303f48 e-con-full e-flex e-con e-parent\" data-id=\"1d303f48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c1258b elementor-widget elementor-widget-heading\" data-id=\"8c1258b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Max\u2019 key insights about Private Health Insurance (PKV)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67ab84c1 e-flex e-con-boxed e-con e-parent\" data-id=\"67ab84c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3531d3b4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"3531d3b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:400}\">\n\t\t<div class=\"elementor-element elementor-element-1d4388aa e-con-full e-flex e-con e-child\" data-id=\"1d4388aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58bc7faf elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"58bc7faf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">01<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47b8b885 elementor-widget elementor-widget-text-editor\" data-id=\"47b8b885\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">With insurance, people tend to forget they\u2019re buying a product. The product being a long, long list of situations for which financial damage is compensated. The cheaper the product, the shorter the list.<\/span><\/p><p><span style=\"font-weight: 400;\">It is therefore essential to understand that buying cheaply can \u2013 rather than save you money \u2013 also result in serious, potentially existential financial damage.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">And since the quality of your PKV also determines the quality of the healthcare you have access to, buying cheaply or omitting necessary add-ons can have very real health consequences too.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40106da3 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"40106da3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:600}\">\n\t\t<div class=\"elementor-element elementor-element-47468802 e-con-full e-flex e-con e-child\" data-id=\"47468802\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76dcb01 elementor-widget elementor-widget-text-editor\" data-id=\"76dcb01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cNormal\u201d insurances do two things<span style=\"font-weight: 400;\">: they protect your bank account on the one hand but they also protect your sanity on the other by preventing an already difficult situation from turning into a potential existential crisis as well.\u00a0<\/span><\/p><p>Private Health Insurance (PKV) does three things<span style=\"font-weight: 400;\">: it protects your bank account, your sanity but most importantly <\/span>your life<span style=\"font-weight: 400;\">. How quickly or even if people recover is often dependent on the <\/span>quality and speed of the applied medical care<span style=\"font-weight: 400;\">, the exact two things the public system (GKV) cannot offer due to systemic and legal limitations.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69e8b775 elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"69e8b775\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">02<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78394b86 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"78394b86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:800}\">\n\t\t<div class=\"elementor-element elementor-element-793dafd6 e-con-full e-flex e-con e-child\" data-id=\"793dafd6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-462e7162 elementor-widget elementor-widget-text-editor\" data-id=\"462e7162\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once a contract is active, there are only a few &#8211; if any &#8211; ways back or out. It\u2019s really, really important to understand that the contract will be enforced exactly as stipulated in the terms and conditions \u2013 not how you <i>thought<\/i> it worked.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58f65414 elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"58f65414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">03<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24c40a5d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"24c40a5d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:1000}\">\n\t\t<div class=\"elementor-element elementor-element-6c14f030 e-con-full e-flex e-con e-child\" data-id=\"6c14f030\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39de8685 elementor-widget elementor-widget-text-editor\" data-id=\"39de8685\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Private Health Insurance is so complex because every single imaginable case, every single detail of what the insurance covers and does not cover is meticulously described in the general terms and conditions (AVB), oftentimes up to 100 pages of them.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">It shocks me that so many expats will take out the single most important insurance based on a simple list of highlighted benefits, most of the time even designed by the insurance company or online platform themselves with only one goal: to sell their product.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ba56525 elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"5ba56525\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">04<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7858b464 e-flex e-con-boxed e-con e-parent\" data-id=\"7858b464\" data-element_type=\"container\" data-e-type=\"container\" id=\"faq\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22a2e263 elementor-widget elementor-widget-heading\" data-id=\"22a2e263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b96fd8c elementor-widget elementor-widget-n-accordion\" data-id=\"5b96fd8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1530\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1530\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> When do I qualify for Private Health Insurance (PKV)? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1530\" class=\"elementor-element elementor-element-7155c0c1 e-con-full e-flex e-con e-child\" data-id=\"7155c0c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6f10db elementor-widget elementor-widget-text-editor\" data-id=\"7a6f10db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You are eligible to enter Private Health Insurance (PKV) if:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you officially live in Germany (Anmeldung \/ Wohnsitz \/ residency permit) <\/span><b>and<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019re employed and earn over 77,400 euros gross yearly (6,450 euros monthly) <\/span><span style=\"font-weight: 400;\">or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019re self-employed <\/span><span style=\"font-weight: 400;\">or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019re a student, especially when you\u2019re turning 30 years old <\/span><span style=\"font-weight: 400;\">or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019re a civil servant (income isn\u2019t relevant) <\/span><b>and<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>you are in (relatively) good shape and health*<br \/><\/b><b style=\"background-color: transparent;\">\u00a0<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">*Each Private Health Insurance (PKV) company has its own health requirements. The same health records will typically be evaluated very differently by different companies. It is therefore necessary to gauge insurability with several different providers in order to warrant the best possible outcome in terms of contract conditions as well as price.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">As an independent broker, I offer the decisive advantage that I have access to nearly all Private Health Insurance (PKV) providers on the market. This broad access combined with personal contacts within the insurance companies themselves for direct communication and negotiation warrant the best possible outcome for your very individual medical history.\u00a0<\/span><\/p><p><a href=\"\/get-in-touch\/\"><b>Get in touch<\/b><\/a><span style=\"font-weight: 400;\"> for help with Private Health Insurance (PKV)<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1531\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1531\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What kind of health insurance should I get for a (Schengen) visa or if I\u2019m visiting as a freelancer, student or traveller? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1531\" class=\"elementor-element elementor-element-50c83273 e-con-full e-flex e-con e-child\" data-id=\"50c83273\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a176c41 elementor-widget elementor-widget-text-editor\" data-id=\"5a176c41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you don\u2019t live in Germany (yet) or if you\u2019re just planning on staying in Germany for a couple of weeks, months or even years while visiting or working remotely as a freelancer, you are not eligible for Private Health Insurance (PKV). You can, however, obtain expat health insurance, also called incoming insurance. This kind of insurance can be mandatory to obtain a Schengen visa.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">This insurance can be especially relevant If you belong to one of the following categories of visitors:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expat freelancers\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New arrivals who want to apply for residency (later)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travellers to Germany (and\/or the Schengen area)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People on a work and travel visa<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Au pairs<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">(Language) students<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PhD students, post doctorates and researchers<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scholarship holders<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Germans with permanent residency outside of Germany<\/span><\/li><\/ul><div>\u00a0<\/div><p><b><a href=\"\/contact\/\">Contact me<\/a> <\/b><b>for a free quote in your specific situation.\u00a0<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1532\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1532\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Why is Private Health Insurance (PKV) often cheaper than Public Health Insurance (GKV)? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1532\" class=\"elementor-element elementor-element-58f685d7 e-con-full e-flex e-con e-child\" data-id=\"58f685d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1836e2d0 elementor-widget elementor-widget-text-editor\" data-id=\"1836e2d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Especially for younger people, Private Health Insurance (PKV) can offer significantly lower monthly contributions than Public Health Insurance (GKV). That\u2019s because PKV premiums are calculated individually \u2013 based on your age, health, and chosen coverage \u2013 rather than as a fixed percentage of your income.<\/span><\/p><p><span style=\"font-weight: 400;\">In GKV, you pay more simply because you earn more. In PKV, you pay based on risk and benefits \u2013 not salary. You also benefit from better services and much faster access to specialists in most cases, apart from many other not so well-known benefits such as coverage for eyewear or laser surgery, much more ample preventative exams, much better dental coverage etc.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">However, \u201ccheaper\u201d doesn\u2019t always mean \u201cbetter\u201d in the long run. That\u2019s why it\u2019s essential to look beyond the monthly premium and consider factors like future price development, family planning, and long-term flexibility.<\/span><\/p><p><span style=\"font-weight: 400;\">With the right guidance, PKV can offer excellent, even premium value at (much) lower cost \u2013 but it shouldn\u2019t be chosen based on price alone. Please read the next FAQ articles for more information on why taking out PKV by yourself or based on price alone is extremely dangerous.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4028a437 elementor-widget elementor-widget-video\" data-id=\"4028a437\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtube.com\\\/shorts\\\/KH-GvqR2xBE?feature=share&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1533\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1533\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Why you shouldn\u2019t take out Private Health Insurance (PKV) yourself and why online offers can be dangerous <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1533\" class=\"elementor-element elementor-element-4c30137e e-con-full e-flex e-con e-child\" data-id=\"4c30137e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14baa0c7 elementor-widget elementor-widget-text-editor\" data-id=\"14baa0c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Private Health Insurance (PKV) is one of the most complex and far\u2011reaching financial decisions you\u2019ll make in Germany. Once the contract is signed, many aspects are long\u2011term or even irreversible \u2013 which is exactly why taking out PKV on your own is a bad idea (read more below on why I caution against online offers).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you apply by yourself, you\u2019re expected to fully understand:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the legally binding terms and conditions (often 100+ pages),<\/span><span style=\"font-weight: 400;\"><br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the long\u2011term price mechanisms of the tariff,<\/span><span style=\"font-weight: 400;\"><br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the consequences for family planning, retirement, and possible moves abroad,<\/span><span style=\"font-weight: 400;\"><br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the strict rules around switching back to public insurance or within PKV.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and much more<\/span>\n<p><\/p>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In reality, most people don\u2019t \u2013 and can\u2019t \u2013 assess all of this without professional support&nbsp;<\/span>\u2013 German nationals included.<\/p>\n<p><span style=\"font-weight: 400;\">What\u2019s more, people who take out Private Health Insurance (PKV) by themselves are also fully responsible themselves for any mistakes or omissions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a simple but true principle: <\/span><b>you don\u2019t know what you don\u2019t know<\/b><span style=\"font-weight: 400;\">. That\u2019s why non-surgeons don\u2019t perform surgery and non-lawyers don\u2019t represent clients in court. In a matter as complex as PKV, non-experts are not in a position to broker PKV contracts. Simple. As a registered broker, I\u2019m licensed and continually keep on expanding my expertise on the subject.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once a contract is active, there are only a few &#8211; if any &#8211; ways back or out. <\/span><b>It\u2019s really, really important to understand that the contract will be enforced exactly as stipulated in the terms and conditions \u2013 not how you <\/b><b><i>thought<\/i><\/b><b> it worked.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s why I caution against online platforms and do it yourself (DIY) solutions. These mostly simplify complexity into checklists and \u201crecommended\u201d tariffs, often designed to sell, not to protect you long term. What\u2019s <\/span><i><span style=\"font-weight: 400;\">not<\/span><\/i><span style=\"font-weight: 400;\"> covered, how premiums evolve, or how flexible the contract is later on usually isn\u2019t explained at all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Working with an independent broker changes this fundamentally:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you get essential, in-depth guidance before committing,<\/span><span style=\"font-weight: 400;\"><br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you understand what your insurance can and (sometimes more importantly) cannot offer you,<\/span><span style=\"font-weight: 400;\"><br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and you have a long\u2011term point of contact if life changes or questions arise.<\/span>\n<p><\/p>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You don\u2019t shop for Private Health Insurance (PKV) like you buy any other product you simply throw away or upgrade later. PKV is a long-term commitment with real-life, long-term consequences for your wallet and your health. Doing that without expert, independent guidance is a risk you don\u2019t need to take \u2013 especially since professional advice comes at no extra cost to you.&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1534\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1534\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Why income protection is (even more) necessary when you switch to Private Health Insurance (PKV)  <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1534\" class=\"elementor-element elementor-element-383326ba e-con-full e-flex e-con e-child\" data-id=\"383326ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15bfb8b9 elementor-widget elementor-widget-text-editor\" data-id=\"15bfb8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Insurance<\/span> <span style=\"font-weight: 400;\">protection for the event of a loss of income due to health reasons (occupational disability) is a must for anyone living in Germany. The reason being that the state in those scenarios will only cover an existential minimum. Insuring your (and your family&#8217;s) standard of living (where and how you live, what you can put in your fridge, what kind of holidays you can afford, etc.) can only be protected by means of a private insurance contract such as a Berufsunf\u00e4higkeitsversicherung (occupational disability insurance), mostly called \u201cBU\u201d.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">For privately insured people, being protected against the risk of loss of income becomes even more relevant. If illness, accident or psychological strain (e.g. burnout, depression) forces you to stop working for months, years or even permanently, you could become dependent on the existential bare minimum while your PKV contributions, however, continue to increase until about age 60.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Think of it this way: If you\u2019re in a situation in which you need to file a claim to obtain payments from your income protection insurance, you\u2019re in a place in which your health, your fast recovery and your access to the best possible medical care matters most. Without income protection, most people can\u2019t afford basic necessities anymore, let alone contributions to Private Health Insurance (PKV), which could compromise your insurance status.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">This is not an edge case. Today, about <\/span><b>1 in 4 people in Germany becomes unable to work at least once during their careers<\/b><span style=\"font-weight: 400;\"> \u2014 and the top causes are psychological and dread disease-related \u2014 causes that can affect anyone.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A Berufsunf\u00e4higkeitsversicherung (BU) provides a monthly replacement income in these situations, allowing you to:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">maintain your standard of living,<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">continue your insurance coverage,<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and avoid existential financial stress on top of a health crisis.<br \/><br \/><\/span><\/li><\/ul><p><strong><a href=\"\/get-in-touch\/\">Contact Max<\/a><\/strong><span style=\"font-weight: 400;\"> to get help taking out income protection.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1535\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1535\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What to expect from Private Health Insurance (PKV) consulting with Max? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1535\" class=\"elementor-element elementor-element-6ad5db2c e-con-full e-flex e-con e-child\" data-id=\"6ad5db2c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d97ea92 elementor-widget elementor-widget-text-editor\" data-id=\"2d97ea92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PKV consulting with me is about as far as it gets from cherrypicking any \u201ctop deal\u201d from a search engine or comparison website.<br \/>It\u2019s about making sure you understand <strong>what you\u2019re signing up for<\/strong> and<br \/><strong>that it fits your requirements today, tomorrow, and the day after tomorrow<\/strong>.<br \/>Because let\u2019s not forget: your Private Health Insurance (PKV) might just be the longest contract you\u2019ll ever have.<br \/>Your setup today will determine your medical and financial well-being well down the line.<\/p><p>The process typically takes between 3 and 5 online advisory meetings, all depending on your medical history,<br \/>individual requirements, and questions. Here\u2019s what it looks like:<\/p><ol><li><strong>Initial consultation<\/strong><br \/>We get to know each other and talk through your situation: employment status, income, visa,<br \/>long-term plans, existing insurance, and health history.<\/li><li><strong>Eligibility &amp; needs check<\/strong><br \/>I assess whether PKV is actually a sustainable fit for you, not just now, but long-term.<\/li><li><strong>Profiling<\/strong><br \/>Once your contract is set in stone, it\u2019s done. That\u2019s why choosing the right coverage type<br \/>and contract flexibility is critical. I explain how PKV works, what the different building<br \/>blocks are for, how to plan ahead, and how to avoid costly surprises later.<\/li><li><strong>Insurability check<\/strong><br \/>We go through the required documents and health-related questions.<br \/>I make sure everything is filled out correctly, strategically, and anonymously<br \/>for the best possible outcome.<\/li><li><strong>Market research &amp; tailored options<\/strong><br \/>Based on the insurability results, I compare and evaluate your options across<br \/>price, benefits, exclusions, long-term stability, contribution history,<br \/>flexibility, and more.<\/li><li><strong>Full walkthrough &amp; decision support<\/strong><br \/>We review the options together, and I explain the fine print you actually need<br \/>to understand, in plain language.<\/li><li><strong>Application &amp; onboarding<\/strong><br \/>I handle the application process, monitor approvals, and ensure everything runs smoothly.<br \/>I also help get the right documents to the right places after acceptance.<\/li><li><strong>Long-term support<\/strong><br \/>Support is what <em>Max for sure<\/em> stands for. Other platforms get you a contract in their interest.<br \/>I broker your contract in your best interest and stay on board long-term.<br \/>Whether it\u2019s a question next month, a claim in two years, or a major life change five years from now,<br \/>I\u2019m here to help.<\/li><\/ol><p>All of this comes at <strong>no extra cost to you<\/strong>. My service is remunerated directly by the insurer while maintaining full independence.<br \/>Only in cases where no contract is brokered (for example, uninsurability) or a contract is<br \/>cancelled prematurely do I apply a Fair Compensation Rule, invoicing my services fairly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1536\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1536\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Which documents do I need for the medical insurability check? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1536\" class=\"elementor-element elementor-element-26a2bbca e-con-full e-flex e-con e-child\" data-id=\"26a2bbca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1de07cd5 elementor-widget elementor-widget-text-editor\" data-id=\"1de07cd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We\u2019ll need an overview of all doctor\u2019s visits, treatments and therapies of the last three years. This time limit is increased to five years for all inpatient treatments (overnight stays at the hospital) and psychotherapies. For more \u201cserious\u201d conditions, accidents or ongoing issues, documentation from a treating physician or hospital may be required.<\/span><\/p><p><span style=\"font-weight: 400;\">Sometimes it\u2019s advisable to contact your previous health insurances or <\/span><i><span style=\"font-weight: 400;\">Krankenkasse<\/span><\/i><span style=\"font-weight: 400;\"> to collect an overview of your doctors&#8217; visits.<\/span>\u00a0<\/p><p><span style=\"font-weight: 400;\">Once you\u2019ve collected your history, we\u2019ll get together in order to arrange the info and documents according to branch standards. In most cases, your personal information will be anonymised and sent to different insurance companies which offer preselected tariffs that match your profile and selected coverage.<\/span><\/p><p><span style=\"font-weight: 400;\">Each company will then cast a \u201cvote\u201d regarding the anonymised profile, either accepting, rejecting or accepting with certain conditions. In the next step, we&#8217;ll go through the options together, discussing your options in terms of benefits as well as price and expectations.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1537\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1537\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How do I benefit from Private Health Insurance (PKV)? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1537\" class=\"elementor-element elementor-element-691eab6f e-con-full e-flex e-con e-child\" data-id=\"691eab6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22e147a3 elementor-widget elementor-widget-text-editor\" data-id=\"22e147a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Private Health Insurance (PKV) can be a major upgrade\u2014especially for expats who value <\/span><b>choice, speed, and top-tier medical care<\/b><span style=\"font-weight: 400;\">. Your main benefits typically include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>You choose your coverage<\/b><span style=\"font-weight: 400;\"> (instead of a \u201cone-size-fits-all\u201d system) \u2014 outpatient, inpatient, dental, worldwide cover, daily sickness benefits, etc., depending on the tariff you select.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Faster access &amp; better treatment options<\/b><span style=\"font-weight: 400;\">: quicker specialist appointments, more time per patient, and access to high-end medicine and facilities (e.g., chief physician treatment, single room, modern methods).<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contract-based security<\/b><span style=\"font-weight: 400;\">: your benefits are defined by a private contract (not by changing laws like in the public system). What you see is actually what you get, also in 20, 30 or 40 years, when you\u2019ll need your insurance the most.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Often cheaper than GKV when you\u2019re younger<\/b><span style=\"font-weight: 400;\"> (depending on your tariff and situation), while offering significantly higher benefit levels from \u201ccomfort\u201d tier upwards.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possible premium refunds<\/b><span style=\"font-weight: 400;\"> if you only use your insurance for check-ups and vaccinations, you generally get between 20 and 35 percent of your yearly premiums reimbursed in the following year.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>More income protection during longer sick leave<\/b><span style=\"font-weight: 400;\">: in PKV, you can insure a much higher percentage of your income via Krankentagegeld than in GKV (important for employees and especially self-employed).<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>You can influence your premiums at retirement age:<\/b><span style=\"font-weight: 400;\"> Whereas in GKV, you have no influence over future laws and regulations, in PKV, if set up correctly, you can set mechanisms in motion to make sure your health insurance always remains affordable<\/span><p>\u00a0<\/p><\/li><\/ul><p><b>Important:<\/b><span style=\"font-weight: 400;\"> PKV is not a given right as soon as you\u2019re eligible (-&gt;see: <\/span><i><span style=\"font-weight: 400;\">When do I qualify for Private Health Insurance (PKV)<\/span><\/i><span style=\"font-weight: 400;\">)<\/span> <span style=\"font-weight: 400;\">\u2014 you must pass a health check. Also, Private Health Insurance is only as flexible as your initial setup. That\u2019s why the proper setup matters from day one.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1538\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1538\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Which disadvantages are there in Private Health Insurance (PKV)? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1538\" class=\"elementor-element elementor-element-7c5441e7 e-con-full e-flex e-con e-child\" data-id=\"7c5441e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50c33ecd elementor-widget elementor-widget-text-editor\" data-id=\"50c33ecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">PKV can be a fantastic system \u2014 but it\u2019s not a \u201cquick win\u201d and it isn\u2019t right for everyone. The main disadvantages to be aware of are:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>You need to be insurable:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> PKV requires a health check. Depending on your medical history, you might face exclusions, surcharges, or even rejection.<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>No free family insurance:<\/b><span style=\"font-weight: 400;\"> In PKV, <\/span><b>each person needs their own contract<\/b><span style=\"font-weight: 400;\"> \u2014 so children and non-working \/ low-income partners aren\u2019t insured for free like in public insurance (GKV). That said, children pay a much lower premium than adults while enjoying access to the best and fastest <\/span><span style=\"font-weight: 400;\">private<\/span><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> medical care. What&#8217;s more: the government is currently considering to cancel free spouse&#8217;s family insurance in GKV.<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Good planning is essential for retirement:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> If PKV isn\u2019t set up properly, contributions can become high later in life \u2014 which is why choosing purely based on price is usually a mistake.<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Switching back to GKV can be difficult:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Returning to public insurance is often hard \u2014 and can be practically impossible in some cases (especially after 55).<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>You usually don\u2019t switch PKV:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Changing insurers involves a new health check and will likely reduce the benefit of accumulated retirement provisions, again highlighting the importance of choosing wisely from the get-go.<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mostly, you pay upfront:<\/b> For outpatient treatment and doctors\u2019 visits, you mostly pay first and then get reimbursed. Hospitalisations are usually invoiced directly to the insurance company.\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>This page is mainly about Private Health Insurance (PKV) for expats who already live and work in Germany. If you\u2019re looking for expat health insurance to enter Germany or to apply for a (Schengen) visa or resident permit, click here Our health is our most valuable asset. Private Health Insurance (PKV) undeniably offers the highest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-1517","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/pages\/1517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/comments?post=1517"}],"version-history":[{"count":30,"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/pages\/1517\/revisions"}],"predecessor-version":[{"id":2675,"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/pages\/1517\/revisions\/2675"}],"wp:attachment":[{"href":"https:\/\/www.max-for-sure.de\/fr\/wp-json\/wp\/v2\/media?parent=1517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}