Why a purely emotional decision is dangerous

Many people switch to private health insurance based on simplified arguments such as:

While these aspects can play a role, the decision should primarily be based on a structured financial and legal comparison.

What we calculate during the consultation

We calculate your maximum possible GKV contribution, including:

This defines the benchmark for comparison.

Next, we analyze how different private tariffs compare to your statutory contribution.

Typical scenarios include:

KomfortKlasse — solid coverage at balanced premiums

MedExtra — best value with extended benefits

MedBest — maximum private healthcare coverage

Private health insurance contributions change over time.

We therefore examine:

This provides a realistic long-term cost perspective.

Private health insurance premiums can be tax deductible as special expenses.

Depending on income level, this can significantly reduce the effective contribution.

At the end of this step, you will see a clear side-by-side comparison between:

Your GKV scenario

Potential PKV options

Only after this comparison do we move on to selecting a specific tariff.

Start with a quick eligibility check or book a full consultation directly.