Private health insurance comparison 2020 • the best private health insurance in the test

Private health insurance comparison 2020

The best private health insurance in the test.

If you want to get private insurance, you should at best not be older than 35 when entering insurance. Otherwise, it is often no longer financially worthwhile.

But which private health insurance is the best, which is the most suitable for your special needs and which is the cheapest way to get away with it? Take the test with our online tariff comparison and find the perfect product for your needs!

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Guide to private health insurance

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  • The scope of services and the costs of the tariffs vary significantly more than with the statutory ones.
  • The contributions do not increase with income, but with age and health risk. You should therefore not be older than 35 when entering private health insurance.
  • The largest insurer, Debeka and Huk-Coburg, which is on a growth path, are unfortunately not included in our PKV calculator. But they convince with high quality and good price-performance ratio.

Instead of being put off for the next quarter, you quickly get an appointment in the practices. Operations are carried out by the chief doctor, you do not have to share the hospital room with two strangers and a lot is done for the teeth – as a private patient you enjoy some privileges.

Despite these advantages, the private sector has already surpassed its popularity: Between 2012 and 2016, the societies lost around 189,000 insured, and consistently more people switched from private to statutory than vice versa. This was reported in December 2016 by the Saarbrücken newspaper relying on the federal government.

The posts are sometimes strong gone up and private health insurance becomes expensive in old age. Nevertheless, private full insurance policies are sometimes the better option, depending on the employment relationship and living situation. Especially since the development of statutory health insurance (GKV) is not exactly positive for the citizens.

Our guide to private health insurance 2019/2020 will help you decide for or against private insurance and insurance expert Gerd Güssler explains what you should pay particular attention to when choosing the provider and tariff.

1. Who is private insurance for??

Private health insurance is only possible for certain people. You have the choice of whether you want to be a cash or private patient. Getting started with private insurance (PKV) is well worth it Finanztest generally only when you start not older than 35 is.

1.1. Employees with good salaries

No health insurance? Until 2009 this was allowed to certain groups of people. But even today some citizens are uninsured.

Employees whose gross earnings exceed a certain amount can switch to private health insurance. In 2017 this is Income limit of 57,600 euros a year.

In the worst case, you have to pay just under 4oo euros per month at the GKV. The premiums do not increase further as soon as the gross monthly salary is 4,350 euros (contribution assessment ceiling).

In addition, there may be the cost of supplementary dental insurance or inpatient supplementary insurance, for example if you wish to be able to choose your doctor freely in the hospital.

Supplementary insurance is saved with a private full health insurance. But be careful: You can only return to law if your salary drops below the income limit.

1.2. Officer

For civil servants, private health insurance is almost always the best option. The same applies to trainee lawyers, judges or civil servants. Because the employer pays something to your health expenses through the allowance – also for your family.

The Aid assumes 50% the costs for people with a maximum of one child. The share is included with the relatives and during the pension 70 to 80%.

1.3. self-employed

Especially at the start of self-employment, it can make sense and be necessary to have as much capital as possible freely available, for example to invest in your own shop. There can young and healthy people save many premium payments through private insurance. In addition, the self-employed do not benefit from the fact that the employer pays half of the contribution rate anyway.

On the other hand, being your own boss does not mean being among the better off. The insurance company doesn’t lower premiums just because you have low income. This is considered the biggest disadvantage of private health insurance. The self-employed may turn their backs on the PKV if they become full-time employees.

1.4. students

Students can up to 24 part of their family insurance his. If the parents are privately insured, you have to apply for an exemption from the law at the beginning of your studies in order to be able to insure yourself.

If you are still studying at the age of 25, it is Switching from private health insurance to statutory health insurance is not possible until the end of your studies. If you stay with the company through which you insured your parents, at least the health check will be omitted.

Note: In order to return to the legal age of 55 or older, strict requirements must be met: You must have been a patient in the health insurance fund for at least 2.5 years in the past 5 years. Or you can have your partner insure you if your monthly salary is no more than 450 euros. Exceptions exist for people with severe disabilities of 50% or more.

2. Services are not based on profitability

The choice of tariffs has a major impact on the scope of insurance coverage. Since the benefits of private policies are not as strictly regulated as with health insurance, our descriptions below only apply for normal cases in adults.

You can view the detailed range of services of the individual insurers on our private health insurance calculator.

2.1. Inpatient treatments

Gerd Güssler, managing director of the KVpro analyst house

Private patients are allowed every hospital can choose from there Treat chief physician or specialist leave and are accommodated in a one- or two-bed room. For the time in the hospital, in a few cases you have to pay something like at the health insurance.

The doctors calculate according to the fee schedule for doctors (GOÄ). When choosing health insurance, it is an important criterion which factor of the fee rate is reimbursed. "More than 90% of medical bills are billed at 2.3 times the rate", knows Gerd Güssler, managing director of the health insurance analyst company KVpro.

In the case of medically particularly complicated or complex treatments, however, the 3.5-fold rate is often incurred, which often cannot be estimated beforehand. "For inpatient treatments, which are the biggest cost factor, insurance should Reimburse at least 3.5 times the rate. Medical fees are only one item on the invoice, but they can be very significant."

2.2. Outpatient treatments

Here the doctors also bill according to the GOÄ. Secondly, according to Güssler, with regard to fees, care should be taken to ensure that insurers also reimburse at least 3.5 times the fee in the outpatient area.

While public insurance companies mainly pay for services from the compulsory catalog, private individuals do not rule out treatment in doctors’ offices from the outset. Usually, a high proportion is paid for appointments with a naturopath. With psychotherapy, the benefits range from no transfer to the reimbursement of an unlimited number of sessions.

2.3. Medicine and aids

Usually the insurance takes over all prescribed medication in full, even if there is no prescription for the product. On the other hand, those insured by law have to pay for products such as nasal spray or expectorants themselves.

at aids such as hearing aids or prostheses, it depends on what has been included in the aid catalog. Some tariffs do not reimburse visual aids.

2.4. dentistry

Fillings or other dental treatments are carried out half to full. Insurance pays 50 – 90% for dentures. All in all, privately insured people can also significantly higher quality services count as dentist for dentists.

3. Contributions to private health insurance increase with age

In the case of private health insurance, income is not one of the factors influencing price.

Instead, the following aspects affect the premium amount:

  • Age
  • occupational group
  • Agreed tariff benefits
  • Individual health risks

3.1. Age

This table shows monthly contributions for the self-employed without individual risk premiums (as of December 2016).

providers 25 years 35 years 45 years
Continentale € 333.96 € 327.18 € 398.65
Universa € 472.16 € 559.71 € 683.03
Barmenia € 470.31 € 425.55 € 517.77
The deductible is between 500 and 600 euros per year. However, the scope of services differs.

At least 10% of the contributions fall as a surcharge for the formation of Age provisions on. This money is invested on the capital market. From the age of 61, this ceases to apply and, if it is part of the tariff, also payments for sickness benefit (around 5%). Contributions should be made during the pension no longer rise.

By then, however, they had already skyrocketed: As our PKV calculator shows, 61-year-olds who were or are self-employed can expect contributions of between 500 and 1,200 euros per month. In order to easily cover the costs of private health insurance in old age, you should put some money aside yourself.

Tip: Are you in the statutory pension insurance, As a pensioner, you can request a health insurance subsidy. It amounts to 7.3% of your statutory pension, but not more than half the cost of private health insurance.

3.2. risk premiums

Before the contract is signed health check on. This means that the applicant must provide information on past outpatient, inpatient and psychological treatments. Information about the past ten years is sometimes required. With the express consent of the patient, doctors may also recheck.

risk premiums according to the PKV expert Gerd Güssler 0 to 30%. The greater the scope of services and the lower the deductible, the higher they are. Of course, the risk premiums also depend on the provider. Insurance with particularly low premiums is not better for the customer, on the contrary: "If the risks have not been calculated well and the premiums are initially too low, there must be high premium increases", explains Güssler.

A premium due to a pre-existing condition can omitted later, for example when the disease is cured. In such cases, a premium reduction is mandatory in accordance with Section 41 of the Insurance Contract Act. The companies are allowed Decline member requests or exclude the reimbursement of treatments for certain diseases from the outset.

Some providers offer one Discount at especially good health values. For example, Hanse Merkur waives 10% for its premium protection if the levels of cholesterol, blood sugar etc. are in the normal range.

Incorrect information about your health can have serious consequences. Were the details deliberately wrong, the company may also withdraw from the contract ten years later and thus request all services paid again. Did she because of gross carelessness If the insured does not receive the necessary information, the insured person may withdraw from the contract within the first three years – provided that the contract with the correct information had not even been concluded.

4. Add the deductible

Private patients have to collect receipts

The principle of reimbursement applies to private patients: the doctor or his clearing house will issue you with invoices. You pay for medication immediately. You must then submit the documents to your insurance company. Discussions with your doctor and insurance company about costs and reimbursements are not uncommon.

There is usually a deductible that is up to 1,500 euros a year is. Only when the health costs exceed this amount will you be supported by the insurance. When comparing the contributions of private health insurance companies, it is better to calculate the excess at least in part. Even fit people cannot rule out illnesses or accidents. Preventive examinations are also required.

High deductibles just do for the self-employed It makes sense because they cannot share the contributions with the allowance or with the employer. Deductibles of more than 1,000 euros are not recommended, as they do not lead to sufficient reductions in premiums.

Between 2000 and 2016, contributions increased by an average of 4.1%. The premium rate for insurance in the public sector rose during this period by one percentage point to 14.6%, but has now also reached 15.5%.

5. Every company must offer a basic tariff

Since 2009 got to offer every private health insurance a so-called basic tariff. This should be as possible the performance catalog of the legal ones. Individual supplements, for example due to poor health, may not be requested. The maximum contribution corresponds to that of the statutory plus the average additional contribution of the health insurers. In 2017, the maximum contribution for the basic tariff is 636.42 euros.

Everyone who is insured with a basic tariff must your own contribution pay for private health insurance. If the insured is or is in need of help within the meaning of SGB II, he must pay half of it. If that is too much, the employment office will share the costs.

Which requirements must be met in order to be granted a basic tariff, explains the PKV association.

6. Many comparison winners in private health insurance

Many providers advertise with seals that distinguish them as comparison winners among private health insurers. But which seal should you listen to now? Here we present the most important evaluations of the recent past.

6.1. PKV comparison of the Stiftung Warentest

May 2014 took Finanztest, the daughter magazine of Stiftung Warentest, 107 offers from 32 insurers under the microscope. All tariffs met standards that are clearly above those of the statutory health insurance.

For example, chief physician treatments had to be offered and the cost of dentures was at least 65%. For each rating, a 35-year-old model customer without previous illnesses used.

Points for the contractually guaranteed Services were according to the statistical Probability weighted, how often and to what extent they are used on average. This makes the quality of the offers measurable more precisely.

The services were set in relation to the price.

category Best company tariff
For employees
  1. HUK Coburg
  2. Provincial Hanover
  • Comfort 2, KT6
  • VKA + u, KHPnu, KHUnu, KTG-A 6
For the self-employed
  1. Provincial Hanover
  2. Bavarian health insurance fund
  • VKSu, KHPnu, KHUnu, KTG-S 4
  • GC 900S, VitalPlus, tooth 2, TAF29
For civil servants (50% allowance)
  1. Concordia
  2. HUK Coburg
  • BV20, BV 30
  • B 501

Read more about the grades awarded here.

6.2. PKV test of the DFSI

November 2016, the German Financial Service Institute (DFSI) examined private insurance in three categories: basic protection, standard protection, premium protection. However, only between 13 and 14 companies participated in each performance level.

The posts as well as the Services make each 40% the overall rating from and 20% the substance power of the insurer. The latter is intended to indicate whether contributions will only increase moderately in the future and whether financial crises can be weathered well.

The Company quality as a criterion In our opinion, recording how the DFSI did it makes sense and has been neglected in other tests. Because of his health insurance you bind yourselfmostly for decades. Economic difficulties or even bankruptcy of the company are reflected in the increase in premiums and other problems for the insured.

category Best company tariff
Baseline protection
  • AXA
  • Hanse Merkur
  • ELBoNUS-U, compact ZahnU (1.5)
  • KVS1, PSV (1.5)
standard protection
  • R + V
  • ARAG
  • MP1U (1.4)
  • Tariff comfort class K300 (1.5)
Premium protection
  • alliance
  • Debeka
  • Vital 300-U, comfort Zahn-U, Kur-U / 250 (1.4)
  • N, NC (1.4)

6.3. PKV comparison on behalf of the Handelsblatt

The rating agency Franke and Bornberg also examined three performance levels with 27 tariffs each in May 2016.

Which products are categorized as basic, standard or particularly extensive depends on the individual PKV test and cannot be compared 1: 1. In this case e.g. a tariff had to reimburse treatments for the services of naturopaths and for dental implants, take over single rooms and bear 80% of the costs for dentures.

Here they flowed Services at 70% and with the deductible of the 30% price in the grade. Model adoption was a 35-year-old customer.

category Best company Rates
Baseline protection
  1. Debeka
  2. Barmenia
  • northwest
  • Barmenia EinsA great
standard protection
  1. Barmenia
  2. alliance
  • Barmenia EinsA great +
  • AMP90PU
Topschutz
  1. AXA
  2. Halle
  • Vital300-U, Prem Zahn-U, KHT-U / 50 *
  • NK bonus
PKV for beneficiaries
  1. Debeka
  2. Hanse Merkur
  • B30, B20K, WL30, WL20K, BC
  • A30, A20Z, P3B30, P3Z, P2EB30, P2EZ, ZA 50, BET

6.4. Which is the best private health insurance now?

The valuations of the individual companies differ widely. There are also insurance companies that offer both well-rated and poorly rated tariffs.

There are numerous reasons for the differences: The tariffs are divided into groups, sometimes only a few providers are included in the comparison of private health insurance and the composition of the overall grades vary.

We found five insurance companies that performed well overall and did not underperform in any of the three ratings. This applies regardless of the target group and the tariff category.

With every test from private health insurance companies, the problem remains that the information on questionnaires be based. Does the insurance company sometimes try to avoid its tasks? Are there any other complaints from customers? The same difficulties also arise with ratings to the SHI .

"Ultimately, everyone cooks with water and has to make a living again", says Gerd Güssler. So if an offer seems to stand out clearly, it has to be compensated for elsewhere. In some cases you can save on administration. The HUK benefits e.g. benefits because it offers a few more policies. The insurance sales expenses also differ.

In 2015, the administrative costs of the SHI were higher, at 4.9% of the premium income, than for the PKV (2.4%). However, private insurers also incur high closing expenses.

7. Questions and answers

7.1. It is worth changing private insurance?

7.2. Can cancel the health insurance members?

The private insurer may only terminate your private health insurance in a few cases: Ordinary terminations are only with the Daily benefits insurance and the Hospital Cash Insurance possible and only within the first three insurance years at the end of the insurance year.

Extraordinary layoffs are possible at the end of the month if incorrect information about the state of health was given at the beginning and the contract would not otherwise have been concluded. If the information was intentionally or grossly negligent wrong, no termination is required. The insurance may then withdraw (see Chapter 3).

7.3. When are the children privately insured??

If both parents are private, the children automatically do the same. It doesn’t matter whether you are insured through the mother or the father. It can not a new provider be selected for the child’s health insurance. For every child an own contribution levied. If only one of the two (married) parents is privately insured and earns more than the partner and earns more than 4,800 euros, the offspring must also be privately insured.

For legally insured parents who want better benefits for their offspring, private supplementary insurance makes sense.

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