More than 15 years of experience
Our experts answer all questions on legal and health topics.
Private health insurance in Germany. Independent advice. The right decision
We make private health insurance easy to understand, instead of making it look better than it is.
In more than 15 years of advising on private health insurance, we have seen a lot. We know the worries of insured people, the wishes of our existing customers and the quirks of the insurance companies. Do you have questions? Let us talk.
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We are here for our clients
Our work only starts once your contract is signed. Six situations from our ongoing support.
Sandra Bökemeier Online Today
Matthias Ernst Invoice_dental_practice.pdf PDF · 1 page I have received the invoice for my dental crown. Could you please check how much of it my insurer will cover?
Of course. Your plan reimburses 90% for dentures. The material and lab costs are also fully covered by your plan.
I will be happy to forward the invoice to the claims department for reimbursement.
Matthias Ernst Thank you very much.
Tim Bökemeier Online Today
Thomas Frei Our child is born. What do we need to do now for the health insurance?
Congratulations. You have been privately insured for more than three months, so the Kindernachversicherung KindernachversicherungAdding a newborn to a parent's private policy without health questions. The application must reach the insurer within two months of birth.More about Kindernachversicherung → applies. All we need from you is your child's name and date of birth.
Thomas Frei Is there anything else I need to know?
No, we take care of the next steps and register your child with your insurer on time.
Tim Bökemeier Online Today
Sarah Vogt I am changing employers soon and will earn less. Can I still stay privately insured?
That depends mainly on whether your new income is still above the Jahresarbeitsentgeltgrenze JAEG · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG → (JAEG) and how long you have been privately insured. Just send us the key details and we will check your options.
Sarah Vogt Do I have to do anything myself?
No, we check the requirements and tell you exactly what to do.
Tim Bökemeier Online Today
Max Schulz Hello Mr. Bökemeier, I would like to switch to a plan with higher benefits with my insurer. What do I need to consider?
If you switch to a plan with higher benefits, you may have to answer health questions again for the additional benefits.
We check which plan options your insurer offers and whether a switch is possible with or without health questions.
Max Schulz Thank you very much.
Ariane Hartleb Online Today
Arne Feldmann My insurer did not reimburse the full invoice. Could you please take a look?
Of course. Just send us the invoice and the benefit statement. We check why the amount was reduced and whether the reimbursement is correct.
Arne Feldmann Great, thanks.
You are welcome. If necessary, we will clarify the reduction directly with the insurer.
Tim Bökemeier Online Today
Dana Schmidt my premium has gone up. What are my options now?
First, we check which options you have within your current insurance under § 204 VVG and whether your premium can be reduced without giving up important benefits.
Alternatively, we can review the entire private health insurance market and compare whether switching to another insurer makes sense for you.
Dana Schmidt Thank you very much.
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Trust comes from specialization
Why thousands of customers trust PKV-Welt with their private health insurance and benefit from our expertise.
More than 3,800 customers
We have assessed thousands of health questionnaires and medical records and advised customers.
100% focus on private health insurance
We specialize exclusively in private health insurance. This is what we know best.
The essentials of private health insurance in 10 minutes
We show you what you should know before switching to private health insurance.
- Explained step by step
- Each lesson also as a short video (in German)
- Short and to the point
1. Who is private health insurance right for?
When private health insurance makes sense2. What are the requirements for joining?
Requirements for private health insurance3. What should you know about the health questions?
Health questions explained4. How high are the costs in old age?
Private health insurance in old age5. What are the key differences between statutory and private?
Statutory and private compared6. How does the switch to private health insurance work?
Switching to private health insurance7. What to do about a premium adjustment?
Premium adjustments in private health insurance8. Which benefits matter most?
Benefits of private health insurance 1 / 8
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What our customers say
Real Google reviews from customers we have guided into private health insurance. The reviews are in German.
★★★★★
Christian Hennig 06/2023
„Endlich ein Berater mit Gewissen, der auch über den Vertragsabschluss hinaus Verantwortung für seine Kunden übernimmt."
★★★★★
Raphaela Rettberg 02/2026
„Alles perfekt, von der Beratung bis zum Abschluss und darüber hinaus. Frau und Herr Bökemeier sind sehr professionell, erklären gut, antworten immer schnell und nehmen sich wirklich ausgiebig Zeit. Wirklich top."
★★★★★
David Bertsch 09/2025
„Sehr gute Beratung. Nimmt sich Zeit, berät extrem professionell und individuell und kennt alle Besonderheiten des Themenfeldes. Kein Vergleich zu vielen anderen Vertretern. Einfach höchste Qualität und eine 100-prozentige Empfehlung."
★★★★★
Steffen Esser 06/2025
„Herr Bökemeier hat sich viel Zeit zur Beantwortung aller meiner Fragen genommen und wichtige Hinweise zum Wechsel gegeben. Man fühlt sich sehr gut und differenziert beraten. Jedes Telefonat war angenehm. Ich kann ihn nur wärmstens empfehlen."
★★★★★
Stephanie Kleppeck 06/2024
„Herr Bökemeier hat mich zu Anfang meiner Selbstständigkeit mit einer Top-Beratung und Rücksicht auf meine Wünsche begleitet. Egal welche Probleme mit der GKV auftraten, er hat sie für mich erledigt. Auf ihn und sein Team kann ich mich jederzeit verlassen."
★★★★★
Lars Oberländer 06/2023
„Dank Herrn Bökemeier sind wir als Familie nun ideal abgesichert. Wir genießen eine aufklärende, transparente Beratung und einen kundennahen Service. Gerne empfehlen wir ihn und sein Team weiter."
Your way to the right private health insurance
01. Step: Checking insurability
We clarify whether and how a switch to private health insurance is possible for you.
02. Step: Clarifying expectations
Which benefits matter to you? We define your goals together.
03. Step: Comparing feasibility and options
We compare suitable options from the entire market.
04. Step: Preparing offers
You receive specific, comparable offers from suitable insurers.
05. Step: Time to think and decide
You decide in your own time, and we answer all open questions.
06. Step: Reviewing the benefit summaries
We go through the terms with you point by point.
07. Step: The application process
We prepare the application carefully, including the health questions.
08. Step: Ongoing support
We are there for you after you sign, for life.
We request offers from all insurers
Contact our experts
Get all your questions answered, free of charge and without obligation.
Talk to an expert
Personal advice from our specialists. Response time: under 24 hours.
Direct contact
Switching to private health insurance is probably not advisable for you.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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Frequently asked questions
The most important answers about our advice and private health insurance.
Does PKV-Welt offer independent advice?
Yes. As a licensed insurance broker, we are required by law to act only in the interest of our customers. We are not tied to any insurer and work with the entire market. Our recommendation therefore depends only on your situation in life.
Why not simply sign up through a comparison portal like Check24?
Comparison portals rank plans mainly by price and hide the terms that really matter in private health insurance. A low premium today says nothing about the detailed benefits or premium stability over decades. We review the entire market, read the plan terms and use an anonymous risk enquiry to make sure that no rejected application ends up in your file. The result is a recommendation that fits your health and your situation in life, not the highest commission of the portal.
What does the advice cost?
The first consultation is free and without obligation. If you sign a policy, the insurance company pays us, at no extra cost to you.
Who is private health insurance worthwhile for?
Private health insurance is open to employees above the Versicherungspflichtgrenze , and also to the self-employed, freelancers and civil servants. Whether a switch is worthwhile depends on your individual situation, which we review together.
How stable will my premium be in old age?
That depends on sound plan calculation and on building up ageing reserves. We choose plans with a focus on long-term premium stability and show you options to reduce costs in old age.
Premium adjustments2027
These insurers have already announced their premium adjustment as of January 1, 2027. See how much your plan is affected and what options you have.