What could happen...
How the right private health insurance can help you.
Dental services
Due to an accident, you require permanent dental replacement that is not covered by statutory health insurance.
From the diagnosis, through the submission of the treatment plan to the approval of the application, only a few days passed.
Claims paid
5,700€
Inpatient treatment
Due to a work accident, you will need an operation, followed by a hospital stay and several weeks of rehabilitation.
My private health insurance took care of everything so that I could focus on the healing process.
Claims paid
3,400€
Private health insurance - The suitable alternative for entrepreneurs & self-employed
What are the problems of statutory health insurance
The statutory health insurance follows the principle of redistribution. Contributions are thus only redistributed and do not benefit from capital market effects.
As a young, healthy high earner, you finance the health costs of the sick, elderly, and low earners, i.e. your contributions and benefits depend on demographic developments.
No reserves are formed that are invested in the capital market and thus increase over time.
Due to demographic changes and the aging of the population, this effect is further exacerbated to the detriment of young, healthy people.
Contributions are based on income, but everyone receives the same benefits, regardless of the contribution amount.
There is also always the risk that SHI benefits may be cut, while PHI benefits can only be improved.
You pay for performance - your contributions are based on your health condition and the selected scope of services, not on your salary
You can individually put together your tariff from outpatient, inpatient, and dental modules
You must never be placed at a disadvantage with a private health insurance provider (unlike with statutory health insurance), meaning you can only be placed in a better position.
You pay for performance - your contributions are based on your health condition and the selected scope of services, not on your salary
You can individually put together your tariff from outpatient, inpatient, and dental modules
You must never be placed at a disadvantage with a private health insurance provider (unlike with statutory health insurance), meaning you can only be placed in a better position.
You pay for performance - your contributions are based on your health condition and the selected scope of services, not on your salary
You can individually put together your tariff from outpatient, inpatient, and dental modules
You must never be placed at a disadvantage with a private health insurance provider (unlike with statutory health insurance), meaning you can only be placed in a better position.
You pay for performance - your contributions are based on your health condition and the selected scope of services, not on your salary
You can individually put together your tariff from outpatient, inpatient, and dental modules
You must never be placed at a disadvantage with a private health insurance provider (unlike with statutory health insurance), meaning you can only be placed in a better position.
