Your Health, Individually Insured
Discover the bespoke tariffs of nextsure's private health insurance. Benefit from first-class services and tailored protection for your health – digital and straightforward.
Customised Rates
Comprehensive Protection
Digital Services
Overview of the Benefits of Private Health Insurance (PKV)
Short waiting times
Free choice of doctor
Single Room Clinic
Individual Tariffs
Who benefits from switching to private health insurance?
Switching from statutory health insurance (GKV) to private health insurance (PKV) is a significant decision. It is primarily available to the self-employed, freelancers, civil servants, as well as employees whose gross annual income exceeds the annual income threshold (JAEG). For the self-employed and freelancers, the PKV often offers flexible tariffs and the opportunity to customise essential daily sickness benefits. Civil servants benefit from their employer's allowance, which they can optimally supplement with an often favourable residual cost insurance in the PKV. High-earning employees appreciate the often more comprehensive benefits, such as treatment by a senior physician or shorter waiting times for specialists. A switch may also be worthwhile for students under certain circumstances, though a detailed examination of long-term prospects is required, as returning to the GKV can be difficult. nextsure analyses your personal situation and advises you transparently on whether the PKV is the right choice for you.
Tailored Protection
Our private health insurance services in detail
Choice of Doctor
Free choice of your treating doctor and specialist.
Hospital
Comfort in a single or double room, treatment by the chief physician.
Dental performance
High-quality dental prosthetics, inlays, and professional teeth cleaning.
International Protection
Worldwide insurance coverage for illness abroad.
Heilpraktiker
Coverage for alternative healing methods and naturopathic treatments.
Assistive devices
Comprehensive care with visual aids and hearing devices.
Vorsorge Plus
Advanced check-ups and preventive health measures.
Digital App
Online doctor search, digital invoice submission, health apps.
Contribution benefit
Option for contribution refund in case of no claims.
Discover the variety of our tariffs and additional options for your private health insurance.
Your health.
Your individual protection.
The key components of a private health insurance: What is really necessary?
Private health insurance (PKV) allows for a customised composition of insurance cover from various modules. The core areas include outpatient care (doctor visits, medications, remedies), inpatient care (hospital stay, e.g., single/double bedroom, chief physician treatment), and dental care (dentures, prophylaxis). It is crucial to tailor the scope of these modules to personal needs. For example, should alternative healing methods or visual aids be extensively covered? Another important module is daily sickness allowance for income security during prolonged incapacity to work, which is particularly relevant for the self-employed. Travel abroad health insurance is also essential. nextsure supports you in identifying the relevant performance modules for you and designing a bespoke PKV tariff that offers optimal protection without unnecessary costs.
Understanding Costs and Premium Development in Private Health Insurance
The calculation of contributions in private health insurance (PKV) fundamentally differs from statutory health insurance (GKV). Instead of an income-based percentage, the PKV contribution is determined individually based on the age of entry, the health status at the start of the contract (risk assessment), and the chosen scope of benefits. To ensure premium stability in old age, PKV providers create so-called ageing provisions. A portion of the monthly contribution is saved for this purpose. Nevertheless, adjustments to contributions cannot be ruled out due to medical advancements, the general development of costs in the healthcare sector, or increased life expectancy. Therefore, it is important to choose a financially strong insurer and a tariff with solid calculation. Nextsure values transparency and advises you on options such as tariffs with deductibles or the possibility of an internal tariff change to keep contributions calculable in the long run.
Switching from GKV to PKV: A Step-by-Step Guide
Switching from statutory health insurance (GKV) to private health insurance (PKV) requires several steps. First, check your eligibility: Is your income as an employee above the annual income threshold (JAEG)? Are you self-employed, a freelancer, or a civil servant? Then compare various PKV tariffs in terms of price and performance. An essential step is the health check, where you must answer all health questions truthfully. After selecting a tariff and receiving a positive risk assessment, you submit your application. Important: Only cancel your GKV after receiving written confirmation of admission from the PKV. Pay attention to the cancellation deadlines of your GKV. nextsure supports you digitally and competently throughout this entire process, from needs analysis to detailed tariff comparison to smooth contract conclusion.
Private Health Insurance for Civil Servants: Optimally Complement Government Aid
Civil servants, trainee civil servants, and judges enjoy special status within the German health insurance system: They receive a subsidy from their employer, covering a percentage of their medical costs (usually 50-80%, depending on marital status and federal state). For the remaining costs, they need a specific health insurance. Private health insurance (PKV) offers tailored civil servant tariffs (known as residual cost insurance), which are precisely aligned with their individual subsidy entitlements. These tariffs are often cheaper than full insurance, as only the portion not covered by the subsidy is insured. The benefits often exceed statutory health insurance levels, for example, in dental treatment or hospital accommodation. nextsure is your expert on civil servant tariffs and helps you find the perfect complement to your subsidy to avoid coverage gaps and ensure comprehensive health protection.
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Tariff Comparison
Direkter
Completion
Experts
Consultation
Private health insurance for the self-employed and freelancers: flexibility and security
For the self-employed and freelancers, private health insurance (PKV) is often the first choice, as it offers tailored solutions for their specific needs. A key advantage is the ability to customise daily sickness allowance, which secures lost income in the event of illness – an essential protection without employer-paid sick leave. Unlike the statutory health insurance (GKV), PKV contributions are not based on income but depend on the chosen plan, entry age, and health condition. This can be financially more attractive for high earners. Additionally, the self-employed often benefit from more comprehensive services, such as faster specialist appointments, free choice of hospital, and higher quality dental treatments. Contributions to PKV can also be claimed as tax-deductible precautionary expenses. nextsure understands the requirements of the self-employed and develops flexible and secure PKV solutions with you.
Children in Private Health Insurance: Optimal Protection from the Start
Unlike statutory health insurance (GKV), private health insurance (PKV) does not offer free family coverage. Each child needs their own contract and pays their own premium. However, these child tariffs are often relatively inexpensive, as fewer health services are typically required in the early years, and no ageing provisions are initially made. The advantage of PKV for children lies in the often significantly more comprehensive range of services: This can include better preventive examinations, freedom of choice of doctor and hospital, coverage for alternative healing methods, or better terms for orthodontic treatments. For newborns of privately insured parents, insurers are obliged to contract, meaning the child can be insured without a new health assessment if the application is submitted on time (usually within two months of birth) and the cover is not more comprehensive than that of a parent. nextsure advises you on optimal child tariffs.
Health check (risk assessment) in private health insurance: Honesty is the best policy
The health examination is a central component when taking out private health insurance (PKV). Insurance companies use it to assess the individual risk of an applicant. Detailed questions about the current state of health, pre-existing conditions, chronic complaints, surgeries, and ongoing treatments must be answered here. Absolute honesty is essential in this process. Concealing or misrepresenting health aspects can lead to a breach of pre-contractual disclosure obligations, which can result in serious consequences such as benefit exclusions, risk surcharges, or even termination of the contract. Depending on the results of the health examination, the insurer may accept the application, impose a risk surcharge, agree on benefit exclusions for certain conditions, or reject the application. A careful review of one's own health history, possibly with medical assistance, is advisable before submitting an application. nextsure supports you transparently in this process.
What is the annual income threshold (JAEG)?
Premium stability in old age is an important factor when choosing private health insurance (PHI). To counteract age-related cost increases, PHI companies establish what are known as ageing provisions. A portion of the premium is saved to reduce premiums during retirement. Nonetheless, premium adjustments may occur due to medical advancements or inflation in the healthcare sector. However, there are mechanisms for insured individuals to reduce premiums in old age: An internal tariff change according to § 204 VVG with the same insurer allows switching to a cheaper tariff, with the acquired provisions being credited. Legally guaranteed options include the basic tariff (services at the statutory health insurance level) and for those with long-term insurance (contracted before 2009), the standard tariff. In case of payment difficulties, the emergency tariff, which covers only acute treatments, applies. A solid choice of tariff and foresighted planning are crucial. nextsure advises you on sustainable PHI strategies.
