Our services
Private Health Insurance
Switching from statutory (GKV) to private health insurance (PKV) is one of the most consequential — and hardest to reverse — financial decisions you'll make in Germany. We walk through your eligibility, your health situation, and your long-term plans before recommending anything.
What we do for you
Eligibility check against the Jahresarbeitsentgeltgrenze and your employment status
Transparent comparison of monthly premiums against your current GKV contribution
Explanation of what changes with age, health events, and having children
A realistic look at the return path — switching back to GKV gets harder over time
No product placement — we're not paid more for recommending a switch
How it works
Run the numbers
Use our Health Insurance calculator for a first, no-obligation estimate.
Discuss your situation
Health history, career plans, and family plans all affect the right answer.
Decide with full information
We only proceed with a provider once you're confident in the trade-offs.
Curious how this applies to your numbers? Try our related free tool.
Compare GKV vs. PKVFrequently asked questions
Often the monthly premium is lower, but premiums rise with age and the switch back to GKV is restricted — the full lifetime picture matters more than year one.
Generally yes, self-employed people can choose between GKV and PKV regardless of income, unlike most employees.
In GKV, children are co-insured for free. In PKV, each family member needs their own separate, paid policy — a cost worth planning for in advance.
Ready to talk about private health insurance?
Book a free, no-obligation 30-minute meeting.