Interactive Comparison
GKV vs PKV Comparison
How does your statutory insurance cost compare to private insurance? See realistic estimates side by side.
Your Profile
PKV premiums depend on your entry age
€
GKV assessment ceiling: €5.812,50/month
Only generally accessible statutory insurers shown.
LTC rates vary by number of children (PUEG reform)
Based on 2026 contribution rates
Entry-Level
Gross premium €0
Employer subsidy (50%) −€0
Your monthly cost €0
Monthly savings vs GKV €0
Best Value Best Value
Gross premium €0
Employer subsidy (50%) −€0
Your monthly cost €0
Monthly savings vs GKV €0
Premium
Gross premium
Employer subsidy (50%)
Your monthly cost
PKV premiums include
Health insurance (KV) Long-term care (PPV) Sick pay coverage (KT) 10% statutory surcharge
These are typical premium ranges for high-quality German private health insurance. All figures include health insurance, statutory long-term care (PPV), sick pay coverage (KT), and the 10% statutory surcharge. Actual premiums depend on your individual health profile, tariff selection, and deductible. This is not an individual tariff quote.
Understanding the Comparison
This comparison shows what you actually pay from your salary each month. Key differences:
- GKV contributions scale with income — the more you earn (up to the ceiling), the more you pay. Your coverage stays the same regardless.
- PKV premiums are income-independent — they depend on your entry age, health, and chosen tariff. Higher earners pay the same as lower earners for the same coverage.
- Employer subsidy — your employer pays 50% of your actual PKV premium, up to the maximum GKV employer share. This significantly reduces your net cost.
- PKV coverage is typically broader — private tariffs typically include direct specialist access, private hospital rooms, and comprehensive dental coverage.
See real savings? Let's make it concrete.
This comparison gives you realistic estimates. To get your exact premium based on your health profile and preferences, speak with an advisor.