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Health Insurance Comparison
Find your best plan with just a few clicks and enjoy premium healthcare benefits
Germany's Most TrustedHealth Insurance Platform
Trusted by 1.2 million families. Premium service quality, expert consultation, and 100% reliable results.
100% Secure Platform
Industry-standard security and SSL encryption protect your data completely.
Private Doctor & Chief Physician
Enjoy first-class medical care through private doctors and chief physicians.
Free Comparison Service
We handle all formalities for free. No hidden costs or commissions.
Comprehensive Benefits
Complete medical coverage with premium benefits and worldwide protection.
Tailored Plans
Find the perfect plan that exactly matches your needs and budget.
24/7 German Support
Get professional help anytime from our German-speaking experts.
Switch to private health insurance in3 simple steps
No complex procedures required. We handle the entire process professionally for you.
Enter health data
Just a few details about age, profession, and health status. Takes only 3 minutes.
Choose best plan
See personally filtered best options from many health insurance plans for you.
We handle everything
We take care of all formalities for free. Seamless insurance coverage guaranteed.
What does comprehensivehealth insurance offer?
Discover the benefits of comprehensive health insurance and enjoy premium healthcare services.
Private Doctor & Chief Physician Treatment
Receive first-class medical care from experienced private doctors and chief physicians in renowned clinics.
Short Waiting Times
Benefit from preferred appointments and significantly reduced waiting times for specialists and treatments.
Comprehensive Preventive Care
Use extended preventive examinations and innovative treatment methods for your health.
Private Room & Comfort
Enjoy the comfort of single or double rooms with enhanced standards during inpatient stays.
Worldwide Coverage
Your insurance coverage applies worldwide - ideal for travel and international treatments.
Modern Treatments
Access to the latest medical technologies and innovative treatment methods without waiting time.
Frequently Asked Questions
Your questions about comprehensive health insurance answered
Who can get private health insurance?
Self-employed individuals, freelancers, civil servants, and employees with income above the insurance threshold (2024: €69,300 annually) can switch to private health insurance. Students also have the option of private health insurance.
How much does comprehensive health insurance cost?
Costs depend on various factors: age, health status, desired benefits, and deductible. Young healthy people often pay less than in statutory health insurance, while premiums may increase with age.
Can I switch back from private to statutory health insurance?
A switch back is only possible under certain circumstances: employment below the insurance threshold, unemployment, or for self-employed under certain conditions. After age 55, a switch is practically no longer possible.
What does health examination mean?
When applying, you must disclose your medical history. Depending on pre-existing conditions, risk surcharges may be charged or certain benefits excluded. Honest disclosure is important, as false information can lead to cancellation.
Are family members co-insured?
No, there is no free family insurance in private health insurance. Spouses and children must be insured separately. However, there are special children's tariffs that are often cheaper than adult tariffs.
What happens to premiums in old age?
Private health insurance premiums may increase with age. However, insurers build aging reserves to limit premium increases. Additionally, there is a right to the basic tariff in old age, which cannot be more expensive than the maximum contribution of statutory health insurance.