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PKV-Welt PKV-Welt
  • Employees▾

    Getting started

    • For employees
    • Private or statutory
    • Requirements for employees
    • Jahresarbeitsentgeltgrenze (JAEG)
    • Career starters

    Costs

    • Costs for employees
    • Employer contribution
    • Beitragsbemessungsgrenze (BBG)
    • Statutory maximum contribution
    • Old age for employees
    • Working part time

    Compare and switch

    • Comparison for employees
    • Best plans for employees
    • Switching to private health insurance
    • Premium stability
    • All ways into private health insurance

    Straight talk

    • On a €100,000 salary
    • Switching at 35 or 40
    • When private is not worth it
    • What brokers often do not explain
    • Occupational disability
    Start the free check →
  • Self-employed▾

    Getting started

    • For the self-employed
    • Private or statutory when self-employed
    • Requirements for the self-employed
    • Best plans for the self-employed
    • Switching to private health insurance
    • Is private health insurance worth it

    Liberal professions

    • Freelancers
    • Doctors and physicians
    • Tax advisors
    • Lawyers
    • Versorgungswerk

    Costs and protection

    • Costs for the self-employed
    • Deductible
    • Krankentagegeld
    • Premium relief plan
    • Old age for the self-employed

    Which plan fits your self-employment?

    Compare plans, costs and income protection for your case.

    • Business founder calculator
    • Krankentagegeld calculator
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  • Civil servants▾

    Getting started

    • For civil servants
    • Private or statutory
    • Requirements
    • Public sector
    • Switching to private health insurance

    Beihilfe

    • Beihilfe explained
    • Restkostentarif
    • Freie Heilfürsorge
    • Dienstherr (employer of civil servants)
    • Beihilfe plans in the directory

    Comparison

    • Plan comparison
    • Best plans
    • What private health insurance costs
    • Anwartschaftsversicherung
    • Entry age

    Which plan fits your Beihilfe?

    Check plans that match your status, Beihilfesatz and family situation.

    • Plan calculator
    Compare plans for civil servants →
  • Family▾

    Decision

    • Family and private health insurance
    • Advice for families
    • Children in private health insurance
    • Spouses
    • Employer contribution

    Adding family members

    • Kindernachversicherung
    • Adding a spouse
    • Marriage
    • Double insurance
    • Divorce

    Life stages

    • Pregnancy
    • Birth
    • Parental leave
    • Maternity pay
    • Sick child pay

    What does private health insurance cost for your family?

    We calculate the whole family, not only your own premium.

    • Family calculator
    • Parental allowance
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  • Health▾

    Health questions

    • Health questions
    • Duty of disclosure
    • Release from confidentiality
    • Duty to report later changes
    • Breach of obligations

    Pre-existing conditions

    • With a pre-existing condition
    • Chronic conditions
    • Risk surcharge
    • Benefit exclusion
    • Psychotherapy

    Application and acceptance

    • Anonymous risk enquiry
    • Application
    • Acceptance of the application
    • Application rejected
    • Obligation to accept and Basistarif

    Unsure because of a pre-existing condition?

    We first check anonymously whether you can be insured.

    • Waiting period
    • Anwartschaftsversicherung
    Start the anonymous check →
  • Policyholders▾

    Lower your premium

    • Policyholders
    • Plan optimization
    • Plan change under § 204
    • Right to change plan
    • Deducting premiums from tax

    Premium increase

    • Premium increases
    • Premium stability
    • Premiums in old age
    • Ageing reserves
    • Special right of cancellation

    Benefits and contract

    • Benefits
    • Claim
    • Cancelling your policy
    • Back to statutory insurance
    • Terminated without notice

    Are you paying too much for your plan?

    We review your contract independently of any insurer, with no pressure to switch.

    • Plan directory
    • Glossary
    Start the premium check →
  • About us▾

    PKV-Welt

    • About us and team
    • How we advise
    • Our costs
    • Your referral
    • Advice in Bielefeld
    • Contact

    Trust

    • Client reviews
    • Press and media
    • Interview with Tim Bökemeier
    • Study on appointment waiting times
    • Satisfaction survey

    Reference

    • News
    • All calculators
    • Plan directory
    • Glossary
    • Statutory health insurance

    Get to know us in person

    Personal, independent, specialized and without sales pressure.

    • Private vs. statutory calculator
    Free first consultation →

Need help?

We review your situation independently of any insurer and free of charge.

Free consultation →
All results →
  • Getting started

    For employeesPrivate or statutoryRequirements for employeesJahresarbeitsentgeltgrenze (JAEG)Career starters

    Costs

    Costs for employeesEmployer contributionBeitragsbemessungsgrenze (BBG)Statutory maximum contributionOld age for employeesWorking part time

    Compare and switch

    Comparison for employeesBest plans for employeesSwitching to private health insurancePremium stabilityAll ways into private health insurance

    Straight talk

    • On a €100,000 salary
    • Switching at 35 or 40
    • When private is not worth it
    • What brokers often do not explain
    • Occupational disability
    Start the free check →
  • Getting started

    For the self-employedPrivate or statutory when self-employedRequirements for the self-employedBest plans for the self-employedSwitching to private health insuranceIs private health insurance worth it

    Liberal professions

    FreelancersDoctors and physiciansTax advisorsLawyersVersorgungswerk

    Costs and protection

    Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employed

    Which plan fits your self-employment?

    • Business founder calculator
    • Krankentagegeld calculator
    Start the free analysis →
  • Getting started

    For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insurance

    Beihilfe

    Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directory

    Comparison

    Plan comparisonBest plansWhat private health insurance costsAnwartschaftsversicherungEntry age

    Which plan fits your Beihilfe?

    • Plan calculator
    Compare plans for civil servants →
  • Decision

    Family and private health insuranceAdvice for familiesChildren in private health insuranceSpousesEmployer contribution

    Adding family members

    KindernachversicherungAdding a spouseMarriageDouble insuranceDivorce

    Life stages

    PregnancyBirthParental leaveMaternity paySick child pay

    What does private health insurance cost for your family?

    • Family calculator
    • Parental allowance
    Start the family check →
  • Health questions

    Health questionsDuty of disclosureRelease from confidentialityDuty to report later changesBreach of obligations

    Pre-existing conditions

    With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapy

    Application and acceptance

    Anonymous risk enquiryApplicationAcceptance of the applicationApplication rejectedObligation to accept and Basistarif

    Unsure because of a pre-existing condition?

    • Waiting period
    • Anwartschaftsversicherung
    Start the anonymous check →
  • Lower your premium

    PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from tax

    Premium increase

    Premium increasesPremium stabilityPremiums in old ageAgeing reservesSpecial right of cancellation

    Benefits and contract

    BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without notice

    Are you paying too much for your plan?

    • Plan directory
    • Glossary
    Start the premium check →
  • PKV-Welt

    About us and teamHow we adviseOur costsYour referralAdvice in BielefeldContact

    Trust

    Client reviewsPress and mediaInterview with Tim BökemeierStudy on appointment waiting timesSatisfaction survey

    Reference

    NewsAll calculatorsPlan directoryGlossaryStatutory health insurance

    Get to know us in person

    • Private vs. statutory calculator
    Free first consultation →
  1. Home
  2. About us
  3. Initial information

Initial information under § 11 VersVermV

Reading version. This English text helps you understand the German original. Only the German version is legally binding: Erstinformation (German, PDF).

Customer information to fulfill the statutory information obligation under § 11 VersVermV

Name, address and contact details

Tim Bökemeier
PKV-Welt
Dornberger Str. 37a
33615 Bielefeld
Phone: (0521) 97 79 82 32
Mobile: (0179) 79 98 239
Fax: (0521) 97 79 82 27
Email: kontakt@pkv-welt.de
Web: https://pkv-welt.de/

Type of activity

Insurance broker with a license under § 34 d (1) Gewerbeordnung (GewO), registered with the IHK-Ostwestfalen zu Bielefeld

Advice

The customer is offered advice on the desired insurance coverage before a contract is brokered or an insurance contract is concluded. Whether the customer requested and received advice is shown in the advice documentation or in a declaration by the customer waiving advice.

Type and source of remuneration

Free advice for the customer

For brokering an insurance contract, the broker receives a brokerage commission from the product provider/insurer. The customer does not owe the broker any separate remuneration.

Joint registration office

Your responsible advisor is entered in the intermediary register (Vermittlerregister) as a broker under the IHK registration number D-LGAN-23GPT-90 with a license under § 34 d (1) GewO. If you are interested, you can check the information on the registration number at any time at: http://www.vermittlerregister.info

and with the

DIHK, Deutscher Industrie- und Handelskammertag e.V.
Breite Straße 29
10178 Berlin
0180 6 00 58 50 (landline price €0.20 per call; mobile prices a maximum of €0.60 per call)
http://www.dihk.de

Arbitration board

We take part in dispute resolution proceedings before a consumer arbitration board. The responsible consumer arbitration board is:

Versicherungsombudsmann e.V.
Dr. Günter Hirsch
Postfach 08 06 32
10006 Berlin

Bundesanstalt für Finanzdienstleistungsaufsicht
(BaFin)
Graurheindorfer Straße 108
53117 Bonn
www.bafin.de

http://www.versicherungsombudsmann.de/

Statutory health insurance

  • Voluntary statutory insurance
  • Zusatzbeitrag
  • Costs of statutory insurance
  • Statutory contribution increases
  • Basistarif
  • List of private insurers

Benefits

  • Primary care physician principle
  • Rehabilitation & spa treatment
  • Dentures & implants
  • Preventive check-ups
  • Glasses & visual aids
  • Single room
  • Allergy immunotherapy

Premium & contract

  • Statutory surcharge
  • No-claims refund
  • Transfer value
  • Employer share

Calculators

  • Premium calculator
  • Statutory contribution calculator
  • Employer contribution calculator
  • Tax calculator
  • Deductible calculator
  • Premium relief calculator
PKV-Welt

Your specialists for private health insurance in Germany

Independent insurance broker · Bielefeld, Germany

  • Contact
★★★★★ ★★★★★ 4.96 out of 5 · 235 reviews on ProvenExpert

© 2026 PKV-Welt. All rights reserved.

Impressum (legal notice, German)Privacy policy (reading version)Initial information (reading version)

No legal advice. Carefully researched information.

Free consultation in English: choose a time & contactFree consultation: contact

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Please answer three short questions about the person who is to be insured.

1Currently insured
2Occupation

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.

Change your answers +49 179 7998239

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Advice on private health insurance

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★ 4.96 from 235 reviews·TÜV: customer satisfaction very goodTÜV: very good

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