Why the first step is always system analysis
Private health insurance is not simply a product decision. It is fundamentally a system decision between two very different healthcare structures in Germany:
- Statutory health insurance (GKV)
- Private health insurance (PKV)
Before discussing tariffs, we first determine whether PKV is legally possible and strategically sensible in your specific situation.
Key factors we analyze
Employment status
Different eligibility rules apply depending on whether you are:
- Employee
- Self-employed
- Freelancer
- Managing director
- Civil servant
Employees must exceed the annual income threshold (JAEG) to leave the statutory system.
Income structure
We examine your income structure to determine whether it qualifies for PKV eligibility.
Relevant components include:
- Fixed salary
- Guaranteed bonuses
- Contractual compensation components
Certain income elements cannot be considered when determining eligibility.
Long-term career expectations
Private health insurance should always be evaluated over decades, not months.
Important considerations include:
- Expected career trajectory
- Likelihood of returning to statutory insurance
- Potential periods of self-employment
- International mobility
Family planning
Family structure has a significant influence on system choice.
Topics we discuss include:
- Partner insurance options
- Future children
- Parental leave periods
- Contribution implications
The outcome of this step
At the end of the analysis you will clearly understand:
- Whether PKV is legally possible
- Whether it is financially advantageous
- Whether it is strategically sensible long-term
Only then do we proceed to tariff comparison.
Ready to evaluate your situation?
Start with a quick eligibility check or book a full consultation directly.