PKV Explained: Everything You Need to Know About Private Krankenversicherung in Germany


Private Krankenversicherung (PKV) is a form of private health insurance in Germany that is available to residents who meet certain eligibility criteria. PKV offers an alternative to the public health insurance system, known as Gesetzliche Krankenversicherung (GKV), and is often chosen by individuals who are self-employed, high-earning, or have specific health needs.

Here is everything you need to know about PKV in Germany:

Eligibility: To be eligible for PKV, individuals must meet certain criteria, such as being self-employed, earning above a certain income threshold (currently around €64,350 per year), or being a civil servant or public sector employee. Some individuals may also be able to switch from GKV to PKV if they meet certain requirements.

Benefits: PKV offers a range of benefits that may not be available through GKV, such as access to private hospitals and doctors, shorter waiting times for appointments and treatments, and a wider range of treatment options. PKV policies can also be tailored to the individual’s needs, allowing for more flexibility in coverage.

Cost: The cost of PKV can vary depending on factors such as age, health status, and the level of coverage chosen. Premiums are typically higher than those for GKV, but may be offset by the increased benefits and flexibility offered by PKV. It is important to carefully compare different policies and providers to find the best option for your needs and budget.

Coverage: PKV policies can offer coverage for a wide range of healthcare services, including doctor’s visits, hospital stays, dental care, and prescription medications. Some policies may also include additional benefits such as alternative therapies, preventive care, and international coverage. It is important to carefully review the coverage options and exclusions of any PKV policy before enrolling.

Switching: If you are currently covered by GKV and are considering switching to PKV, it is important to carefully consider your options and consult with a health insurance advisor. Once you switch to PKV, it may be difficult or impossible to switch back to GKV, so it is important to weigh the potential benefits and drawbacks before making a decision.

Overall, Private Krankenversicherung can offer a range of benefits and advantages for individuals in Germany who are eligible for coverage. However, it is important to carefully research and compare different policies and providers to find the best option for your needs and budget. Consulting with a health insurance advisor can also help you make an informed decision about whether PKV is the right choice for you.