Why private health insurance should never be "one-size-fits-all"
Unlike statutory insurance, private health insurance allows modular customization.
Different tariff combinations can significantly influence both:
- Coverage quality
- Long-term premiums
Live tariff configuration
During the consultation we build your tariff structure together.
Deductible level (Selbstbeteiligung)
ARAG offers six deductible levels:
€0
No deductible
€300
per year
€600
per year
€900
per year
€1,200
per year
€1,500
per year
Important for employees:
We generally recommend €0 deductible for employees. Your employer pays 50% of your premium — but a deductible is paid 100% from your net income (already taxed at your marginal rate). Choosing a deductible effectively shifts medical cost risk entirely to your pocket.
For self-employed professionals: A deductible can make sense because there is no employer subsidy, and the premium savings may outweigh the risk.
Dental coverage modules
Private tariffs often offer enhanced dental coverage options.
These can influence reimbursement levels for:
- Prosthetics
- Orthodontics
- Implants
Daily sickness allowance
Employees receive salary continuation only for a limited period during illness.
After that, a daily sickness allowance (Krankentagegeld) replaces lost income.
The amount and waiting period can be customized.
Premium refund optimization
Certain tariff structures allow policyholders to benefit from premium refunds when no claims are submitted.
We analyze how different tariff configurations influence this potential.
The final outcome
At the end of the consultation you receive:
- A structured tariff recommendation
- Contribution projections
- A clear explanation of benefits and limitations
The goal is not to sell a product, but to create a sustainable insurance structure for the next decades.
Ready to evaluate your situation?
Start with a quick eligibility check or book a full consultation directly.