Private health insurance expertise
We are 100% specialized in private health insurance and well connected when needed.
Our cost structure: free of charge for you
Our advice is free of charge for you. Here we explain transparently how this works and why you do not pay a single cent more.
Advice costs at PKV-Welt 
4,96 · 235 reviews - The insurer bears the costs, as a commission if a contract is signed
- Your premium is identical with or without a broker
- Cancellation liability over 5 years as a quality incentive for us
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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Your advantages when you get advice from us
Also after you sign
After you sign the contract, we are still there for you with questions and anything that is unclear.
More than 15 years of experience
We know the pitfalls and particulars and advise you from practical experience.
All plans, all insurers
We send anonymous enquiries to all insurers and compare the entire market for you.
Availability
We are there for you, in an emergency also at the weekend, with a direct line to your advisor.
Honesty
We only advise in line with our values. For us, this is not negotiable.
What does advice from PKV-Welt cost?
Our advice is free of charge for you. With an insurance broker, the insurer bears the costs and pays a commission if a contract is signed. This means there are no extra costs for you as the insured person.
Full transparency matters to us. Your premium is identical, whether you sign directly with the insurer or through us. And because we must pay back part of our commission if you leave early, we have a real interest in arranging a plan that suits you for the long term.
Start free of charge and without obligation
We review your situation independent of any provider and show you honestly whether and how a switch pays off.
Frequently asked questions about how we are paid
What does our advice cost?
Our advice is free of charge for you. As an insurance broker, we are paid a commission by the insurer if a contract is signed. With other advice services, the insured person often pays, quickly several hundred euros.
Are premiums higher for the insured person?
No. The plans have a fixed, binding premium structure. Your premium is identical, whether you sign the contract directly with the insurer or through us.
Do you earn the same from every insurer?
The payment structure is the same at most insurers. So we have no incentive to recommend one provider over another. Our goal is the best plan for you.
When do you finally earn from a recommendation?
We receive the commission when the contract is signed, but cancellation liability applies. If you leave the contract within the first 5 years, we must pay back part of our commission. So it also pays off financially for us to arrange a plan that really suits you.
More about us
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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