Benefit coverage
How much the cover really pays in a serious case.
Private health insurance plans: vetted and rated
We rate selected private health insurance plans on five key figures, from benefit coverage to premium stability. This shows you at a glance why a plan is in our selection.
Plan directory
4,96 · 235 reviews Featured in leading trade media
This directory brings together 43 selected plans that we regularly recommend in our advice. Each plan has its own page with the benefits from the plan terms, our rating on five key figures and an honest assessment of who it suits and who it does not.
A low starting premium says little about the cost over a lifetime. What matters are the benefits, the calculation and premium stability. That is why we deliberately show no monthly premiums, but a rating you can follow.
How we rate
Five key figures, each on a scale from 1 to 10. They are based on the plan terms, the published premium histories and our experience with claims handling.
Premium stability
How reliably premiums have developed in the past.
Claims handling
How quickly and fairly bills are reimbursed.
Family friendliness
Terms for children and co-insured family members.
Premium level
10 means a comparatively low premium. Low values stand for a higher premium.
The best plans for employees
Strong comprehensive plans for employees above the Versicherungspflichtgrenze Versicherungspflichtgrenze · 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 →.
Advice for employees → Universa Uni-TopIprivat 300
Uni-TopIprivat 300
- 10 Benefits
- 8 Stability
- 9 Claims
- 9 Family
- 6 Premium
ARAG MB0
MB0
- 9 Benefits
- 8 Stability
- 6 Claims
- 9 Family
- 6 Premium
Signal Iduna Exklusiv-SI
Exklusiv-SI
- 8 Benefits
- 8 Stability
- 9 Claims
- 10 Family
- 3 Premium
DKV PMN0
PremiumMed PMN0
- 10 Benefits
- 7 Stability
- 9 Claims
- 8 Family
- 3 Premium
Allianz GSB
GSB70, GSUB90, GSUB100, GSZ100
- 9 Benefits
- 8 Stability
- 9 Claims
- 8 Family
- 3 Premium
LKH GUP
GUP
- 9 Benefits
- 8 Stability
- 8 Claims
- 8 Family
- 4 Premium
Hanse Merkur AZP
AZP, EGO2, PS3, PSV
- 7 Benefits
- 9 Stability
- 8 Claims
- 7 Family
- 6 Premium
Bayerische Beamtenkrankenkasse GesundVario
GesundVario400, VarioKlinik+, VarioZahn+
- 9 Benefits
- 6 Stability
- 9 Claims
- 7 Family
- 5 Premium
SDK AM10
AM10, S1, Z9
- 9 Benefits
- 8 Stability
- 9 Claims
- 7 Family
- 3 Premium
Alte Oldenburger A90/100
A90/100, K20, K/S, Z100/80
- 8 Benefits
- 7 Stability
- 9 Claims
- 6 Family
- 5 Premium
AXA GesundExtra
GesundExtra, Premium Zahn-U
- 8 Benefits
- 7 Stability
- 8 Claims
- 8 Family
- 4 Premium
Hallesche NK.select XL
NK.select XL Bonus
- 8 Benefits
- 6 Stability
- 8 Claims
- 9 Family
- 4 Premium
The best plans for the self-employed and freelancers
Plans selected for premium, benefits and Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → for the self-employed and freelancers.
Advice for the self-employed and freelancers → LKH GUK500
GUK500
- 9 Benefits
- 7 Stability
- 9 Claims
- 8 Family
- 6 Premium
Allianz GSP70
GSP70, GSUP90, GSZ90
- 9 Benefits
- 7 Stability
- 9 Claims
- 9 Family
- 4 Premium
ARAG K600
K600
- 7 Benefits
- 9 Stability
- 6 Claims
- 7 Family
- 9 Premium
Hanse Merkur KVS3
KVS3, EKV2, PSV
- 6 Benefits
- 8 Stability
- 7 Claims
- 7 Family
- 10 Premium
Hallesche NK.select S
NK.select S Bonus
- 7 Benefits
- 6 Stability
- 8 Claims
- 8 Family
- 8 Premium
Signal Iduna Komfort-SI
Komfort-SI
- 8 Benefits
- 6 Stability
- 9 Claims
- 8 Family
- 5 Premium
AXA ActiveMe-U
ActiveMe-U, Komfort Zahn-U
- 7 Benefits
- 5 Stability
- 10 Claims
- 8 Family
- 6 Premium
Continentale Comfort-U
Comfort-U, SP2
- 7 Benefits
- 4 Stability
- 7 Claims
- 7 Family
- 7 Premium
The best plans for doctors
Selected plans for doctors in hospitals and in private practice.
Advice for doctors → SDK AM10
AM10, S1, Z9 (Arzt)
- 8 Benefits
- 9 Stability
- 9 Claims
- 7 Family
- 6 Premium
AXA VA6
VA6-U, Premium Zahn-U
- 7 Benefits
- 8 Stability
- 8 Claims
- 8 Family
- 7 Premium
Barmenia VHV1
VHV1+
- 10 Benefits
- 5 Stability
- 10 Claims
- 9 Family
- 3 Premium
Inter JABest
JABest
- 9 Benefits
- 6 Stability
- 9 Claims
- 8 Family
- 5 Premium
Continentale Premium-MED
Premium-MED, SP1
- 7 Benefits
- 4 Stability
- 7 Claims
- 8 Family
- 8 Premium
Allianz MB100
MB100/G
- 7 Benefits
- 7 Stability
- 9 Claims
- 6 Family
- 4 Premium
The best plans for children
Family-friendly plans with a strong 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 → and extra benefits.
Advice for children → DKV PMN 0
PremiumMed
- 10 Benefits
- 8 Stability
- 9 Claims
- 9 Family
- 6 Premium
Signal Iduna Exklusiv 0
Exklusiv 0
- 8 Benefits
- 9 Stability
- 9 Claims
- 7 Family
- 9 Premium
Barmenia einsA expert+
einsA expert+
- 10 Benefits
- 6 Stability
- 10 Claims
- 9 Family
- 6 Premium
SDK AM10
AM10, S1, Z9
- 9 Benefits
- 8 Stability
- 9 Claims
- 7 Family
- 7 Premium
Hanse Merkur KVT500
KVT500, PSV
- 7 Benefits
- 8 Stability
- 8 Claims
- 8 Family
- 8 Premium
ARAG ME0
ME0
- 7 Benefits
- 8 Stability
- 6 Claims
- 8 Family
- 8 Premium
The best plans for civil servants
Restkostentarif RestkostentarifA private plan that covers the share of medical costs that Beihilfe does not pay. Together with Beihilfe it gives civil servants full cover.More about Restkostentarif → plans that fit Beihilfe BeihilfeThe state healthcare allowance for civil servants. The Beihilfestelle pays a fixed share of medical costs, the Beihilfesatz, and private insurance covers the rest.More about Beihilfe → for civil servants. The exact combination can differ from state to state.
Advice for civil servants → Barmenia Gesund für Sie
Gesund für Sie (GK4530, G1B, G2B100, GEP)
- 9 Benefits
- 8 Stability
- 9 Claims
- 9 Family
- 8 Premium
Alte Oldenburger A series
A-Reihe (A45, K/S, K330, K50/B, Z45, BET Plus)
- 6 Benefits
- 9 Stability
- 9 Claims
- 5 Family
- 7 Premium
LKH B series
B-Reihe (B4530, BK100, BKT, BEP)
- 10 Benefits
- – Stability
- 8 Claims
- 10 Family
- 6 Premium
ARAG BeihilfeBest
BeihilfeBest (BHB45H, BH1, BHK100, BHEB45H)
- 7 Benefits
- 8 Stability
- 5 Claims
- 5 Family
- 9 Premium
DBV Vision-B
Vision-B (VisB 5035-U, BW2 00-U, BN VisB-U)
- 5 Benefits
- 7 Stability
- 6 Claims
- 5 Family
- 8 Premium
The best plans for students
Affordable plans for students who take out private insurance, with an option right for the time after their studies.
Advice for students → SdK AM30A
AM30A, S1A, Z8A
- 8 Benefits
- 9 Stability
- 9 Claims
- 7 Family
- 9 Premium
Signal Iduna R-Exklusiv 1
R-Exklusiv 1
- 9 Benefits
- 8 Stability
- 9 Claims
- 9 Family
- 6 Premium
Hanse Merkur KVS1A
KVS1A, EKV2A, PSVA
- 7 Benefits
- 8 Stability
- 8 Claims
- 8 Family
- 9 Premium
ARAG ME300S
ME300S
- 9 Benefits
- 8 Stability
- 6 Claims
- 9 Family
- 6 Premium
ottonova Study Protect
Study Protect
- 7 Benefits
- 8 Stability
- 8 Claims
- 6 Family
- 9 Premium
Continentale AZ Comfort
AZ Comfort-U, AZ SP2
- 7 Benefits
- 8 Stability
- 7 Claims
- 7 Family
- 7 Premium
Our method
The rating is our professional assessment from our ongoing plan analysis, not a ranking by a testing institute. It is based on the insurers' plan terms, the published premium histories and our experience with claims handling from advisory practice. The order within a group follows the overall score of the five key figures.
We deliberately show no monthly premiums, because your individual premium depends on age, health and the scope of benefits you choose. The selection is curated and keeps growing. It does not replace personal advice and is not legal advice. Only the insurance conditions of the plan in question are binding.
Plan topics in our guides
Contact our experts
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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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