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Private health insurance -
The right alternative for entrepreneurs & the self-employed

More favourable contributions than with statutory health insuranceIcon für Ersparnisse

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Problems of statutory health insurance

Bureaucracy

The bureaucracy and service in some health insurance companies can be described as inefficient and unsatisfactory. This leads to long processing times for applications, unclear communication and difficulties in clarifying questions or problems.

Contribution amount

Statutory health insurance contributions are based on your income and not on the services provided. In the worst case scenario, you pay too much for too few or insufficient benefits.

Demography

The demographic development and ageing of the population, in combination with medical progress, will inevitably lead to higher contributions and/or fewer benefits in the statutory health insurance scheme.

Range of services

Due to the high cost of healthcare, the range of services and the availability of doctors will decrease. In future, additional insurance and therefore additional costs will be necessary for optimal insurance.

What could happen...

How private health insurance can help you
can help you.

Dental services

You need a permanent dental prosthesis due to an accident that is not covered by statutory health insurance.

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Only a few days passed between the diagnosis, the submission of the treatment plan and the approval of the application.

★★★★★

Inpatient treatment

Due to an accident at work, you need an operation, followed by a stay in hospital and several weeks of rehabilitation.

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My private health insurance took care of everything so that I could concentrate on the healing process.

★★★★★

Travelling abroad

Many private health insurance policies also offer cover abroad, which is useful if policyholders need medical care when travelling.

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After a bout of food poisoning, my insurance company took care of both the hospitalisation and the subsequent treatment.

★★★★★

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Are you an electrician, a restaurant owner or craftsman? Do you work in retail or do you do something else?

2. Answer a few short questions

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Private health insurance - the right alternative for entrepreneurs & the self-employed

What are the problems of statutory health insurance

  • Statutory health insurance is based on the pay-as-you-go principle. Contributions are therefore only apportioned and do not benefit from capital market effects.
  • As a young, healthy high earner, you finance the healthcare costs of sick, old and low-income earners, i.e. your contributions and benefits depend on demographic developments.
  • No provisions are formed, which are invested on the capital market and thus increase over time.
  • Demographic developments and the ageing of the population are exacerbating this effect to the detriment of young, healthy people.
  • Contributions are based on income, but everyone receives the same benefit, regardless of how high the contribution is.

In addition, there is always the risk that statutory health insurance benefits can be reduced, but private health insurance benefits can only be improved.

The solution - private health insurance

  • Private health insurance works according to the capital cover principle. Each contributor invests capital for their own healthcare costs. Your contributions are used to build up reserves, which are invested on the capital market and thus increase over time.
  • In private health insurance, the healthy pay for the sick, but not the young for the old or the well-off for the low-income.
  • As you can put together your own individual tariff, you don't need any additional insurance.
Private Krankenversicherung für Unternehmer & Selbstständige
Finanzieller Vorteil der privaten Krankenversicherung

In the chart above you can see the potential savings when switching from statutory health insurance to private health insurance. The data is based on a sample calculation for employees and the self-employed, each calculated for a person aged 30. (Quelle)

Advantages of private health insurance

  • You pay for benefits - your premiums are based on your state of health and the selected scope of benefits, not on your salary
  • You can put together your tariff individually from outpatient, inpatient and dental modules
  • You can never be worse off with a private health insurance provider (with statutory health insurance you can), i.e. you can only be better off.

For whom is private health insurance worthwhile?

In general, private health insurance (PKV) makes sense for employed or self-employed high earners who are in good health. They pay lower/similar premiums, but receive better benefits such as treatment by a senior doctor, fast medical appointments, many optional benefits and sometimes even their money back if they are not ill. 

However, private health insurance (PKV) is only available to certain groups of people, including employees with an annual gross income of at least €66,600, the self-employed and freelancers.

FAQs


How do I find out what insurance cover my company needs?

Answer a few simple questions about your company and your existing insurance policies.
We will analyze your current insurance needs and compare them with the best current offers.

How does SureIn support me in the event of a claim?

We take care of the entire claims process. You don't have to contact the insurers directly, but can contact us directly. We will then take care of everything else and ensure that your claims are enforced.

Why should I change to SureIn?

We regularly monitor the development of your company's situation and compare the best current insurance offers on the market to ensure that your insurance cover is always up to date.

Ist SureIn Makler oder Versicherer?

SureIn ist ein unabhängiger Versicherungsmakler. Wir arbeiten mit mehr als 100 Versicherungen zusammen, um Ihnen immer den idealen Schutz zum besten Preis zu bieten.

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