Stay in control of your care
The reviewed benefits can include free choice of doctor and access to specialists, including doctors without statutory health-insurance approval.
Personal insurancePrivate clients
More choice when it comes to your health.
Choose your doctor and hospital, access specialist-led care, benefit from strong dental cover, and shape protection around your life. We will help you find the right fit.
No obligationAvailable across GermanyGerman / Turkish / English
KEY-FI · Video
PKV explained in 35 seconds
Yasin Özkan explains who may want to review PKV and how the free pre-check gets started.
Transparency note: The income figure in the video is rounded. The official 2026 annual earnings threshold is €77,400 and is adjusted each year. Appointment timing and benefits always depend on the specific tariff and care setting.
Official PKV earnings threshold — Federal Ministry of Health →
What you gain
The value of cover matched to your needs.
High-quality care, personal choice and cover shaped around your life
More comfort in hospital
Choose a public or private hospital, specialist-led treatment and a twin room; EinbettPlus can add a single room.
Strong preventive and outpatient support
Expanded check-ups, up to €300 for vision aids over two calendar years and up to €1,500 for alternative practitioner care over two calendar years.
90 per cent for high-quality dental care
The reviewed benefits provide 90% for dental treatment, prosthetics, implants and inlays; an initial benefit scale applies.
Cover that can move with life
Tariff-switching options, daily sickness allowance and later-life contribution relief can add flexibility.
Moving towards the right fit
How we turn your goal into a clear next step.
We organise the important facts clearly and prepare a solution around your everyday needs and goals.
- 01
Clarify your insurance status and general access to PKV
- 02
Set priorities for doctors, hospital care, prevention and dental treatment
- 03
Include your family and personal plans in the tariff choice
- 04
Add income protection and later-life contribution relief where useful
- 05
Choose the deductible and possible premium refund consciously
- 06
Only then prepare a concrete tariff comparison
Transparency note: Your actual cover is defined by the offer, policy and insurance conditions. Acceptance and premiums depend on factors including status, entry age, medical underwriting and selected benefits. Dental benefits may have an initial five-year scale, and any premium refund is subject to the applicable contract conditions.
Frequently asked questions
A few answers before you enquire.
01Who can consider PKV?
This can include employees above the applicable annual earnings threshold, self-employed people not subject to compulsory GKV cover, civil servants and students in certain situations. Insurance status comes first.
02What can PKV offer for doctors and hospitals?
Depending on the tariff, benefits can include free choice of doctor and hospital, specialist-led treatment and a twin room. A single room may be available as an optional component.
03How are prevention and dental care covered?
Expanded preventive care and 90% cover for high-quality dental treatment are included in the reviewed benefits. An initial five-year dental scale applies.
04Can staying claim-free bring a financial benefit?
Some tariffs may provide a premium refund or preventive allowances after claim-free years, subject to the conditions of the specific offer.
05Is the 60-second check an acceptance decision?
No. It prepares the conversation and deliberately collects no health data. Acceptance, premium and tariff choice follow only after individual assessment.
60-second pre-check
Five short steps to a personal assessment.
Your answers help us prepare the first conversation. We deliberately do not ask for diagnoses, treatments or other health information here.
- Free and without obligation
- A prompt reply on business days
- Only through the channel you choose
PKV pre-check1 / 5