Private Health Insurance
Private health insurance often offers more comprehensive coverage and provides individually tailored benefits to meet the exact needs of the insured person. Faster medical appointments and access to additional services can improve the level of comfort and medical care. For certain professions and income levels, a private health insurance can also be more economically attractive.
Private Health Insurance
Private health insurance often offers more comprehensive coverage and provides individually tailored benefits to meet the exact needs of the insured person. Faster medical appointments and access to additional services can improve the level of comfort and medical care. For certain professions and income levels, a private health insurance can also be more economically attractive.
Private Health Insurance
Private health insurance often offers more comprehensive coverage and provides individually tailored benefits to meet the exact needs of the insured person. Faster medical appointments and access to additional services can improve the level of comfort and medical care. For certain professions and income levels, a private health insurance can also be more economically attractive.
too long; won't read
Private Health Insurance in a Nutshell
Conditions
Private health insurance is an option if your gross annual income is at least €64,350 or you are self-employed/freelance. Students and civil servants can also get a private health insurance.
Services
Private health insurances often offer more comprehensive benefits than statutory health insurances. The benefits depend on the tariff you choose.
Contribution
In contrast to the statutory health insurance, in which the contribution depends on income, your contribution in the private health insurance is composed of your age, your state of health and the selected benefits.
Billing
You usually get the doctor's bill yourself first and then submit it to your private health insurance. Reimbursement is then made either in full or at a fixed percentage, depending on your tariff.
Deductible
Many PHI plans have a deductible, which is an amount you pay yourself before PHI reimbursement begins.
too long; won't read
Private Health Insurance in a Nutshell
Conditions
Private health insurance is an option if your gross annual income is at least €64,350 or you are self-employed/freelance. Students and civil servants can also get a private health insurance.
Services
Private health insurances often offer more comprehensive benefits than statutory health insurances. The benefits depend on the tariff you choose.
Contribution
In contrast to the statutory health insurance, in which the contribution depends on income, your contribution in the private health insurance is composed of your age, your state of health and the selected benefits.
Billing
You usually get the doctor's bill yourself first and then submit it to your private health insurance. Reimbursement is then made either in full or at a fixed percentage, depending on your tariff.
Deductible
Many PHI plans have a deductible, which is an amount you pay yourself before PHI reimbursement begins.
too long; won't read
Private Health Insurance in a Nutshell
Conditions
Private health insurance is an option if your gross annual income is at least €64,350 or you are self-employed/freelance. Students and civil servants can also get a private health insurance.
Services
Private health insurances often offer more comprehensive benefits than statutory health insurances. The benefits depend on the tariff you choose.
Contribution
In contrast to the statutory health insurance, in which the contribution depends on income, your contribution in the private health insurance is composed of your age, your state of health and the selected benefits.
Billing
You usually get the doctor's bill yourself first and then submit it to your private health insurance. Reimbursement is then made either in full or at a fixed percentage, depending on your tariff.
Deductible
Many PHI plans have a deductible, which is an amount you pay yourself before PHI reimbursement begins.
What PHI offers you
The Advantages of a Private Health Insurance
Individual Tariff
You can customize your coverage and insure only what you really need.
More Comprehensive Services
Many private insurances offer more extensive benefits. These often include coverage for alternative practitioners, dental cleanings and much more.
Shorter Waiting Times
As a private patient, you do not have to wait long for a doctor's appointment, surgery or other treatment.
Stable Contributions
With private health insurance, premiums are independent of income. This means that if your income increases, your insurance premiums will not increase.
What PHI offers you
The Advantages of a Private Health Insurance
Individual Tariff
You can customize your coverage and insure only what you really need.
More Comprehensive Services
Many private insurances offer more extensive benefits. These often include coverage for alternative practitioners, dental cleanings and much more.
Shorter Waiting Times
As a private patient, you do not have to wait long for a doctor's appointment, surgery or other treatment.
Stable Contributions
With private health insurance, premiums are independent of income. This means that if your income increases, your insurance premiums will not increase.
What PHI offers you
The Advantages of a Private Health Insurance
Individual Tariff
You can customize your coverage and insure only what you really need.
More Comprehensive Services
Many private insurances offer more extensive benefits. These often include coverage for alternative practitioners, dental cleanings and much more.
Shorter Waiting Times
As a private patient, you do not have to wait long for a doctor's appointment, surgery or other treatment.
Stable Contributions
With private health insurance, premiums are independent of income. This means that if your income increases, your insurance premiums will not increase.
Entry criteria of a private health insurance
Who can get insured?
It depends on your profession
While everyone - regardless of how old, healthy or wealthy they are - can get insured under the statutory health insurance system, private health insurers can decide for themselves who they insure.
According to the law, only the following groups can take out private insurance:
Self-employed/ Freelancers
Students
Employees (min. 64,350€ annual income)
Civil Servants
Further criterion: state of health
The insurance company carries out a pre-examination for each interested person. Only after the health check does the insurance company decide whether you will be insured and under what conditions.
Each insurance company decides the criteria itself, which makes each risk assessment individual. Therefore, it is important to apply to as many insurance companies as possible.
Entry criteria of a private health insurance
Who can get insured?
It depends on your profession
While everyone - regardless of how old, healthy or wealthy they are - can get insured under the statutory health insurance system, private health insurers can decide for themselves who they insure.
According to the law, only the following groups can take out private insurance:
Self-employed/ Freelancers
Students
Employees (min. 64,350€ annual income)
Civil Servants
Further criterion: state of health
The insurance company carries out a pre-examination for each interested person. Only after the health check does the insurance company decide whether you will be insured and under what conditions.
Each insurance company decides the criteria itself, which makes each risk assessment individual. Therefore, it is important to apply to as many insurance companies as possible.
Entry criteria of a private health insurance
Who can get insured?
It depends on your profession
While everyone - regardless of how old, healthy or wealthy they are - can get insured under the statutory health insurance system, private health insurers can decide for themselves who they insure.
According to the law, only the following groups can take out private insurance:
Self-employed/ Freelancers
Students
Employees (min. 64,350€ annual income)
Civil Servants
Further criterion: state of health
The insurance company carries out a pre-examination for each interested person. Only after the health check does the insurance company decide whether you will be insured and under what conditions.
Each insurance company decides the criteria itself, which makes each risk assessment individual. Therefore, it is important to apply to as many insurance companies as possible.
muffin service
We take care of the health check and the communication with the insurance companies. For this purpose, you create an anonymous health pre-enquiry with muffin. With this we ask various insurances whether they would insure you with your complaints/illnesses - without revealing your identity. If, for example, medical reports are requested, we black out your personal details and only provide the requested items.
muffin service
We take care of the health check and the communication with the insurance companies. For this purpose, you create an anonymous health pre-enquiry with muffin. With this we ask various insurances whether they would insure you with your complaints/illnesses - without revealing your identity. If, for example, medical reports are requested, we black out your personal details and only provide the requested items.
muffin service
We take care of the health check and the communication with the insurance companies. For this purpose, you create an anonymous health pre-enquiry with muffin. With this we ask various insurances whether they would insure you with your complaints/illnesses - without revealing your identity. If, for example, medical reports are requested, we black out your personal details and only provide the requested items.
The most important in short
How does a PHI work?
The most important in short
How does a PHI work?
The most important in short
How does a PHI work?
How does a PHI work?
The optimal protection
Tailored coverage for optimal support of your health
How it works:
In the statutory health insurance, your medical costs are usually paid directly by your insurance. This is different in private health insurance. If you are treated by your doctor, you will receive an invoice. You then submit this bill to your PHI and get reimbursed for the costs of the treatment or the medication. Don't worry - the reimbursement is very quick and you usually have to pay the bills after 14-30 days. This means that you will always have your money in your account before you have to pay the bill.
The optimal protection
Tailored coverage for optimal support of your health
How it works:
In the statutory health insurance, your medical costs are usually paid directly by your insurance. This is different in private health insurance. If you are treated by your doctor, you will receive an invoice. You then submit this bill to your PHI and get reimbursed for the costs of the treatment or the medication. Don't worry - the reimbursement is very quick and you usually have to pay the bills after 14-30 days. This means that you will always have your money in your account before you have to pay the bill.
The optimal protection
Tailored coverage for optimal support of your health
How it works:
In the statutory health insurance, your medical costs are usually paid directly by your insurance. This is different in private health insurance. If you are treated by your doctor, you will receive an invoice. You then submit this bill to your PHI and get reimbursed for the costs of the treatment or the medication. Don't worry - the reimbursement is very quick and you usually have to pay the bills after 14-30 days. This means that you will always have your money in your account before you have to pay the bill.
Comparing 2 Systems
Differences between Statutory and Private Health Insurance
Important: There is no right and wrong or better and worse. It is an individual decision and everyone must determine for themselves which system is the right one.
Comparing 2 Systems
Differences between Statutory and Private Health Insurance
Important: There is no right and wrong or better and worse. It is an individual decision and everyone must determine for themselves which system is the right one.
Comparing 2 Systems
Differences between Statutory and Private Health Insurance
Important: There is no right and wrong or better and worse. It is an individual decision and everyone must determine for themselves which system is the right one.
What counts when applying
How much does PHI cost?
The exact cost of your private health insurance can vary significantly, as it depends on a number of factors. Due to the individuality of a PHI, it is difficult to give an exact figure, but here are some of the most important factors that influence the premium:
What counts when applying
How much does PHI cost?
The exact cost of your private health insurance can vary significantly, as it depends on a number of factors. Due to the individuality of a PHI, it is difficult to give an exact figure, but here are some of the most important factors that influence the premium:
What counts when applying
How much does PHI cost?
The exact cost of your private health insurance can vary significantly, as it depends on a number of factors. Due to the individuality of a PHI, it is difficult to give an exact figure, but here are some of the most important factors that influence the premium:
Age and State of Health
The younger and healthier you are, the lower your contributions tend to be.
Selected Tariff and Scope of Services
A basic tariff usually covers similar benefits to the SHI and is therefore relatively inexpensive, while comfort and premium tariffs with extensive additional benefits cost proportionately more.
Special Regulations
Employees and civil servants pay only 50% of the contribution, the other half is covered by the employer, just as in the SHI system.
Contribution Level and Individual Factors
Typically, private health insurance contributions start at around €350 per month, but can be higher depending on the arrangement of the insurance coverage and personal circumstances.
Age and State of Health
The younger and healthier you are, the lower your contributions tend to be.
Selected Tariff and Scope of Services
A basic tariff usually covers similar benefits to the SHI and is therefore relatively inexpensive, while comfort and premium tariffs with extensive additional benefits cost proportionately more.
Special Regulations
Employees and civil servants pay only 50% of the contribution, the other half is covered by the employer, just as in the SHI system.
Contribution Level and Individual Factors
Typically, private health insurance contributions start at around €350 per month, but can be higher depending on the arrangement of the insurance coverage and personal circumstances.
Age and State of Health
The younger and healthier you are, the lower your contributions tend to be.
Selected Tariff and Scope of Services
A basic tariff usually covers similar benefits to the SHI and is therefore relatively inexpensive, while comfort and premium tariffs with extensive additional benefits cost proportionately more.
Special Regulations
Employees and civil servants pay only 50% of the contribution, the other half is covered by the employer, just as in the SHI system.
Contribution Level and Individual Factors
Typically, private health insurance contributions start at around €350 per month, but can be higher depending on the arrangement of the insurance coverage and personal circumstances.
In 4 Steps to Your New Health Insurance
How Do I Take Out a Health Insurance?
Step 1
Preferences
We clarify in a short form what is important to you e.g. price vs. performance
Step 2
Healthcheck
We make health questions simple and understandable
Step 3
Tariff comparison
We get you the best offers and prepare them for you
Step 4
Completion
We save you the paperwork and manage the completion as well as the support – all digitally!
In 4 Steps to Your New Health Insurance
How Do I Take Out a Health Insurance?
Step 1
Preferences
We make health questions simple and understandable
Step 2
Preferences
We make health questions simple and understandable
Step 3
Tariff comparison
We get you the best offers and prepare them for you
Step 4
Completion
We save you the paperwork and manage the completion as well as the support – all digitally!
In 4 Steps to Your New Health Insurance
How Do I Take Out a Health Insurance?
Step 1
Preferences
We clarify in a short form what is important to you e.g. price vs. performance
Step 2
Healthcheck
We make health questions simple and understandable
Step 3
Tariff comparison
We get you the best offers and prepare them for you
Step 4
Completion
We save you the paperwork and manage the completion as well as the support – all digitally!
