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Introduction

The voluntary health insurance is a legal form to complement the statutory health insurance (GKV) in Germany. Like the statutory health insurance, the private health insurance (PKV) is also mandatory in Germany. Before you decide on a private health insurance, you have to check if you are entitled to it by law. The private health insurance covers additional services for its members; these include dental care, eye exams and glasses, physiotherapy and alternative medicine therapies such as acupuncture or homeopathy. With a private health insurance, you get to choose your doctor who can be one of several specialists within the same hospital or clinic. You should never choose an unknown doctor just because he/she belongs to your preferred hospital network! However, with a private health insurance contract there is no waiting period before treatment begins like with statutory ones

The voluntary health insurance is a legal form to complement the statutory health insurance (GKV) in Germany.

The voluntary health insurance is a legal form to complement the statutory health insurance (GKV) in Germany. It is not a substitute for the statutory health insurance (GKV).

The voluntary health insurance is based on agreements between insurers and employers or employees. These agreements are called “employee benefit contract” or “employer’s benefit contract”. This type of health insurance is also referred to as complementary or additional private healthcare coverage.

Private insurers can be commercial or non-profit organizations, but they usually have their headquarters in Switzerland, Austria or Luxembourg because these countries have more relaxed rules regarding this type of business than Germany does

Like the statutory health insurance, the private health insurance (PKV) is also mandatory in Germany.

Like the statutory health insurance, private health insurance is mandatory in Germany. You can't opt out of it, as it would not be financially viable for society at large. In order to ensure that everyone has access to adequate medical care and treatment, this is a necessary condition for its sustainability.

However, you do have more choice with regards to your private health insurance company than you do with public health insurance: when choosing between providers, you can choose from up to around 100 different private health insurers (PKV). The same applies when opting out of voluntary membership—if possible at all; while some companies allow their customers to terminate their contracts without additional costs or penalties after 12 months of membership or upon request by letter within six months following the start date on the contract notice form (which may differ depending on what type of plan they are currently enrolled in), others will charge a fee if an individual wishes not renew their contract beyond its original term length because their needs have changed over time."

Before you decide on a private health insurance, you have to check if you are entitled to it by law.

Before you decide on a private health insurance, you have to check if you are entitled to it by law. In Germany, the level of statutory health insurance is high. As a result, many people are already eligible for statutory health insurance and therefore do not need private insurance.

However, if you get more than the standard amount of income or your income is uncertain (for example because of an internship), then there are certain exceptions to this rule. After all, it does not make any sense for someone who earns over €50 000 per year to pay for additional voluntary coverage when their costs will be covered by public healthcare in any case! You can find out whether or not your situation qualifies as an exception with the help of our calculator at: https://www.privatklinik-vergleich24.de/exceptions

The private health insurance covers additional services for its members.

Private health insurance covers additional services for its members. Private health insurance offers more than just the basic statutory minimum, including dental care and eye care, as well as mental health care and physiotherapy. These are areas in which GKV members receive no coverage at all.

With a private health insurance, you get to choose your doctor.

With a private health insurance, you can choose your doctor. This is especially important when you have a serious illness or injury and need someone who has expertise in that area. Doctors are usually able to treat patients without sending them to specialists if they know what they're doing. They also have more time to spend with each patient because they accept fewer clients than their counterparts in public hospitals do. For example, if you're having trouble breathing or have chest pain right now and go to the emergency room at a public hospital on Friday afternoon at 5 p.m., there may be no doctors available—or even available rooms! But if you go to see your private doctor during normal business hours (8 am–6 pm) during the week or earlier on weekends or holidays with your symptoms, he will make sure that everything is taken care of as quickly as possible so that any further complications can be avoided.

If something does happen unexpectedly and involves urgent medical attention outside normal office hours (like after 6 pm), then it's still possible for many insurers not only for emergencies but also for routine visits like booking appointments). All insurances provide 24/7 access via telephone or online chat sessions from Monday through Friday between 8 am–8 pm; some providers extend these hours until 9 pm during major holidays such as Christmas Eve/Day (December 24th - 25th), New Year’s Eve/Day (December 31st - January 1st).

How much does it cost?

The costs of voluntary health insurance in Germany depend on the insurance company, level of coverage, type of policy and age.

Usually, the cost for an adult is between 150 and 400 euros per month. In addition to this fixed fee, there are additional expenses such as doctor's fees or prescription drugs.

In general: The younger you are, the lower your monthly payments will be. If you're older than 65 years old when signing up for a voluntary health insurance plan (also known as “private”), you'll have to pay more because this age group is considered less healthy than younger groups by insurers. Also note that some companies offer discounts if you live in certain regions—for example Bavaria or Rhineland Palatinate—or belong to certain sports clubs (e.g., tennis).

Can I still get a private health insurance if I already have had one?

Even if you already have a private health insurance, it is still possible to get another one. In fact, there are several reasons why you might want to do so:

• If your current policy only covers certain illnesses and treatments, but not others.

• If your existing plan requires that you pay high premiums in order to receive benefits.

• If the coverage offered under your current policy does not cover all of the expenses related to an illness or treatment for which you may need treatment in the future.

For example, if someone breaks his leg and needs surgery on his hip because he has osteoporosis due to age (which isn’t covered by accident insurance), he should consider getting complementary health insurance that covers this type of illness specifically.

Can I terminate my existing contract with the statutory health insurance and join a private one?

You can terminate your existing contract with the statutory health insurance and join a private one. However, you must be over 30 years old to do this. Otherwise, you have to remain in your existing coverage plan.

If you are younger than 30 and want to end your participation in a statutory health insurance plan, then you will be required by law to take out private options. If you don’t do this within four months of turning 29 years old, then the government will automatically enroll you into some form of mandatory supplementary insurance that they deem suitable for your needs and budget (usually an HMO).

If you have one of those privileged jobs (which pays above 59,400 euros annually), you will be required private healthcare insurance over public healthcare.

If you have one of those privileged jobs (which pay above 59,400 euros annually), you will be required private healthcare insurance over public healthcare. You can still get a private health insurance if you already have had one and terminate your existing contract with the statutory health insurance and join a private one.

In Germany, there are several different types of voluntary health insurance contracts:

• The Allgemeine Ortskrankenkasse (AOK) is the largest provider with many subsidiaries throughout Germany. It offers various products including HVAs (healthcare vouchers) which allow patients to choose any physician or hospital they like.

• Techniker Krankenkasse (TK) specializes in small-scale businesses like freelancers or web designers who do not work for larger companies such as Daimler AG or Siemens AG but want to be insured anyway because they pay high taxes annually in their income bracket. These small businesses often opt for TK’s low-cost package because it does not require much paperwork on behalf of employees who may not have time for filling out forms between appointments with clients/patients etcetera .

Conclusion

The voluntary health insurance is a legal form to complement the statutory health insurance (GKV) in Germany. The private health insurance (PKV) is also mandatory in Germany, but only for those privileged jobs that pay above 59,400 euros annually. This means that people who have these jobs are required to have private healthcare insurance over public healthcare. If you decide on private health insurance, you should check if this is right for your needs as well!