Private Health Insurance for Seniors
Premium healthcare with extended benefits for over 55s. Compare Germany's leading providers from €350/month.
Senior Health Benefits
Specialized Senior Care
Access to geriatric specialists and age-appropriate treatment methods
Preferred geriatric centers
Reduced Waiting Times
Priority appointment scheduling with specialists and medical procedures
48h specialist appointment guarantee
Extended Prevention
Comprehensive health checks and early detection examinations beyond statutory standard
Up to €2,000 annually
Top Private Health Insurance Providers for Over 55s 2024
Specially selected insurers with special conditions and benefits for seniors
Debeka
Market leader with special conditions for seniors
Allianz
Premium protection with comprehensive preventive care
AXA
Flexible tariffs with special health services
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Frequently Asked Questions
Answers to the most important questions about private health insurance for over 55s
Is switching to private health insurance still possible after age 55?
Switching to private health insurance after 55 is generally possible but subject to certain conditions. You must either have been privately insured before or meet requirements as a self-employed person or civil servant. A health examination is required.
What special benefits are available for seniors?
Many private health insurance plans offer special benefits for over 55s: extended preventive examinations, geriatric programs, increased medical aids budgets, special dental treatments, and comprehensive rehabilitation measures. Long-term care insurance benefits are often enhanced too.
How do premiums develop with age?
Private health insurance premiums can increase with age, but many insurers have built aging reserves. From age 65, the employer contribution for retirees with statutory pension ceases. Private provision or switching to the basic tariff can reduce costs.
What happens with pre-existing conditions?
Pre-existing conditions often lead to risk surcharges or benefit exclusions. With serious illnesses, admission may be refused. However, the basic tariff offers admission entitlement without health examination, albeit with statutory health insurance-like benefits.
What alternatives exist to full insurance?
For over 55s, private supplementary health insurance is available to complement statutory health insurance benefits. These are cheaper than full insurance and can specifically cover areas like dental replacement, alternative practitioners, or private hospital rooms.
Can I switch back to statutory health insurance in old age?
Switching back to statutory health insurance after 55 is very difficult. Only in special cases (e.g., unemployment with unemployment benefit I or marginal employment) is a return possible. Usually only the private health insurance basic tariff remains as an alternative.
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