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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 itCosts and protection
Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employedWhich plan fits your self-employment?
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For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
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With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
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PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong Allianz combination for the self-employed with free choice of doctor, dental cover at 90 percent and a deductible that the top-up plan limits to 10 percent.
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The Allianz combination of GSP70, GSUP90 and GSZ90 is in our selection for the self-employed because it combines a high benefit level with a reliable reimbursement practice. The structure is clear. The main plan GSP70 provides the basic outpatient and inpatient benefits and works with a percentage deductible, and the top-up plan GSUP90 lowers it to 10 percent and at most €500 a year. The module GSZ90 takes care of dental cover at 90 percent. We rate benefit coverage at 9 out of 10 points, claims handling also at 9 out of 10 points, and for families the combination is one of the stronger options in our selection at 9 out of 10 points. We see the premium history at 7 out of 10 points as more reliable than average. The starting premium is above the market average, which shows in the premium level score of 4 out of 10 points. If you choose this combination, you pay for substance rather than a low starting price.
Allianz provides dental cover through a separate module, and in our combination this is the GSZ90. It reimburses dental treatment at 100 percent and dentures, inlays and implants including bone grafting at 90 percent, in each case also above the maximum rates of the fee schedule. If you want a higher or lower dental level, you choose a different module and so control benefits and premium.
Allianz adds health services to the cover, from finding a specialist to digital offers. Health apps approved as medical devices under the statutory directory are reimbursed at 100 percent, and beyond that with a prescription or approval.
During parental allowance or parental leave, a premium exemption for up to six months is possible. Through 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 →, newborns are insured free of premium in the month of birth and the following six months, and for children up to twelve years the plan pays for a companion in hospital.
Five key figures from our plan analysis, each on a scale from 1 to 10. They are based on the plan terms, the premium histories and our experience from advisory practice.
How much the cover really pays in a serious case.
How reliably premiums have developed in the past.
How quickly and fairly bills are reimbursed.
Terms for children and co-insured family members.
10 means a comparatively low premium. Low values stand for a higher premium.
The core benefits from the plan terms, grouped by area. Open an area to see the details.
Outpatient care decides how freely you choose doctors and how much of private doctors' fees is reimbursed. The GSP70 has no primary doctor principle and leaves you free choice of doctor.
Free choice of doctor, no primary doctor principle
Reimbursement up to the maximum rates of the GOÄ
Also for programs not introduced by law, plus up to €200 per year for two health courses
Reimbursed, without prior approval of benefits
Up to €1,000 per year according to the fee directory, naturopathic treatment at 100 percent
Reimbursed, for brand-name drugs despite generics a deductible of €10 per product up to €1,000 a year
Up to 110 percent of the maximum amounts of the federal allowance regulation for civil servants
Open catalog of medical aids, limits include €500 per wig and €1,500 per hearing aid
Up to €500 per 36 months for visual aids, surgical vision correction including Lasik up to €1,500 per eye
In hospital the gap between basic cover and higher-level cover is clearest. This combination fully covers the optional hospital services and even rewards you for not using them.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€70 per day if you do without a single or two-bed room, €40 if you do without a private doctor
Reimbursement, for general hospital services limited to 2.5 times regular hospital rates
Reimbursed, without prior approval
Treatment is reimbursed
To and from the hospital up to 100 km
Dentures are one of the most common reasons for a claim. The module GSZ90 reimburses dental treatment in full and dentures at 90 percent. What you need to know are the dental benefit limits, meaning the cap in the first years of insurance.
100 percent, including professional teeth cleaning, root canal and periodontal treatment
90 percent, including crowns, bridges and veneers
90 percent, including bone grafting
90 percent up to age 21, no age limit after an accident
Reimbursement also above the maximum rates
At most €1,000 in year 1, €2,000 up to year 2, €3,000 up to year 3, unlimited from year 4, no limit after an accident
This is the special feature of this combination: the main plan works with a percentage deductible, and the top-up plan reduces it significantly. In the combination shown, a predictable share of your own remains.
30 percent deductible, at most €1,500 per year on outpatient and inpatient benefits
Reduces the deductible to 10 percent, at most €500 per year
If you take part in the prevention program, preventive care, vaccinations and health courses remain free of any deductible
If you deliberately want to carry more of the costs yourself, you leave out the top-up plan and lower the premium
If you submit no bills, you get money back. Allianz combines a guaranteed lump sum with a performance-based refund, and preventive care does not count against you.
10 percent of the annual premiums after a claim-free year
1.2 monthly premiums after 1 year, 1.8 after 2 years, 2.4 after 3 claim-free years
4.2 monthly premiums after a claim-free year up to age 21
Preventive checkups, vaccinations and health courses do not put the refund at risk if you take part in the program
The points beyond the core benefits often decide about everyday life, especially when your life situation changes.
Premium exemption for up to 6 months possible
Newborns free of premium in the month of birth and the following 6 months
Covered for children up to age 12
100 percent for organic infertility, with age limits and limits on the number of attempts
6 months outside Europe in the GSP70, 12 months through the dental module, medically necessary repatriation included
Health cures up to €1,500 once every 36 months, rehab up to 1.5 times the statutory health insurance rate
This combination includes comprehensive health insurance and the Pflegepflichtversicherung PflegepflichtversicherungCompulsory long-term care insurance. Everyone with health insurance in Germany must have it, privately insured people through their private insurer., but no 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 →. As a self-employed person you have no continued pay during illness, so Krankentagegeld from a chosen day belongs in every calculation. We set the right daily rate and the qualifying period in our advice.
All benefit details come from the insurer's plan terms and are summarized in simplified form. Only the insurance conditions are binding. In a consultation we check the details for your situation.
No plan is the right choice for everyone. This is what speaks for this combination, and this is what you should know.
Free choice of doctor without a primary doctor principle, plus broad benefit coverage for outpatient, inpatient and dental care (9 out of 10 points).
Fast and fair claims handling (9 out of 10 points) and a premium history that is more reliable than average (7 out of 10).
Very family-friendly (9 out of 10 points): premium exemption during parental leave, premium-free Kindernachversicherung and a companion in hospital.
Outpatient and inpatient psychotherapy without prior approval of benefits, plus an open catalog of medical aids.
Guaranteed lump-sum payment of 10 percent of the annual premiums after just one claim-free year.
The premium is above the market average (4 out of 10 points). If price is your main criterion, you will find leaner combinations.
In this combination a deductible of 10 percent up to at most €500 a year remains. If you want no share of your own, you need to build up the cover further.
The dental module GSZ90 reimburses dentures at 90 percent, not at 100 percent. The dental benefit limits cap dental benefits in the first three years at 1,000 to €3,000.
The combination includes neither a simplified right to switch to higher-level plans nor an option right. The statutory right to change plan under § 204 VVG still applies.
A strong plan only pays off if your application is accepted cleanly. If you have pre-existing conditions, we recommend an anonymous risk enquiry before you apply.
The combination suits the self-employed and freelancers who put benefits before price and see their health insurance as a long-term decision. It is also one of the stronger options in our selection for families, from the premium-free Kindernachversicherung to a companion in hospital.
It is less suitable if the monthly premium is the deciding criterion or if you only want basic cover at the level of statutory health insurance. For these cases we show you better alternatives from our comparison in our advice.
The GSP70 is the main plan for outpatient and inpatient benefits and works with a deductible of 30 percent. The top-up plan GSUP90 lowers it to 10 percent and at most €500 a year. The GSZ90 takes care of dental cover at 90 percent. This modular logic lets you control the combination: if you deliberately want to carry more of the costs yourself, you leave out a module and lower the premium.
You can claim the premiums for cover at the level of statutory basic care, the so-called basic share, as pension and insurance expenses for tax purposes. We explain exactly how this works and which maximum amounts apply under deducting private health insurance from tax.
Within Allianz you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves in full. However, the combination has no simplified right to switch to higher-level plans, so the benefit level should fit from the start.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Allianz's specific adjustments by year and plan in our overview of premium adjustments. If an increase is large, we check plan optimization with you.
The five key figures come from our ongoing plan analysis. They are based on the plan terms, the published premium histories and our experience with claims handling from advisory practice. The rating is our professional assessment, not a ranking by a testing institute.
From our vetted selection, rated on the same key figures.
The LKH plan for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who the strong plan with a high refund suits.
View plan →The ARAG plan with a fixed deductible for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →The Hanse Merkur combination with PSV for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who the plan suits.
View plan →Get all your questions answered, free of charge and without obligation.
Personal advice from our specialists. Response time: under 24 hours.
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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