Getting started
For employeesPrivate or statutoryRequirements for employeesJahresarbeitsentgeltgrenze (JAEG)Career startersCosts
Costs for employeesEmployer contributionBeitragsbemessungsgrenze (BBG)Statutory maximum contributionOld age for employeesWorking part timeGetting 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 itCosts and protection
Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employedWhich plan fits your self-employment?
Start the free analysis →Getting started
For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
Family and private health insuranceAdvice for familiesChildren in private health insuranceSpousesEmployer contributionWhat does private health insurance cost for your family?
Start the family check →Health questions
Health questionsDuty of disclosureRelease from confidentialityDuty to report later changesBreach of obligationsPre-existing conditions
With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
Anonymous risk enquiryApplicationAcceptance of the applicationApplication rejectedObligation to accept and BasistarifUnsure because of a pre-existing condition?
Start the anonymous check →Lower your premium
PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
Premium increasesPremium stabilityPremiums in old ageAgeing reservesSpecial right of cancellationBenefits and contract
BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeContinentale combination for the self-employed with free choice of doctor, high cover for alternative practitioners and a no-claims refund of up to six monthly premiums, balanced by a deductible per benefit.
4,96 · 235 reviews Featured in leading trade media
The Continentale combination of Comfort-U and SP2 is in our selection for the self-employed because it combines free choice of doctor with strong reimbursement for naturopathy and a high no-claims refund. The structure has two parts. Comfort-U covers outpatient and dental benefits as well as basic inpatient cover, and SP2 raises hospital cover to a two-bed room and private doctor treatment. Instead of a fixed annual deductible, the plan works with a deductible per benefit, usually €20. We rate the benefit level, family friendliness and claims handling at 7 out of 10 points each, and the premium level also at 7 out of 10 points. We have to be honest about premium stability: at 4 out of 10 points it is the weakest value in this comparison group. If you decide on this plan, you should factor in the possibility of larger future adjustments from the start.
The plan has no primary doctor principle. You choose doctors and specialists freely, without having to arrange your first treatment through a family doctor. Reimbursement for alternative practitioners is particularly strong: treatment according to the fee directory is covered at 100 percent.
If you submit no bills, you get a lot back. The plan combines a guaranteed lump-sum payment of two monthly premiums after the first claim-free year with a performance-based refund that reaches four monthly premiums after five years, together up to six monthly premiums.
The same plan line is also offered to medical professionals on favorable terms. For the self-employed, this points to a broadly calculated plan with a clear benefit profile.
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 your choice of doctor and the reimbursement of private doctors' fees. Comfort-U gives you free choice of doctor and is particularly strong on naturopathy.
Free choice of doctor, no primary doctor principle
Reimbursement up to the maximum rates of the GOÄ
Reimbursed, including homeopathic medicines and products for artificial nutrition
100 percent according to the fee directory, including prescribed medicines and remedies
Reimbursed according to the federal allowance regulation for civil servants or the GOÄ, whichever amount is higher
Open catalog of medical aids, 100 percent up to €1,000 per medical aid, above that with a cost estimate, otherwise 80 percent
Up to 50 sessions per year, prior approval from the 31st session
Up to €300 per 2 years, a need that already exists when the contract is signed is only covered against a surcharge
In hospital two modules work together: Comfort-U covers the standard case, and SP2 raises this to a two-bed room and private doctor. Only this combination brings private comfort.
Comfort-U multi-bed room, SP2 raises this to a two-bed room
Comfort-U standard and affiliated doctor, SP2 private doctor treatment
Comfort-U up to the standard maximum rates, SP2 also above the maximum rates
Through SP2 €20 if you do without the two-bed room, €50 if you do without private doctor treatment
Treatment in private clinics is reimbursed through Comfort-U
Reimbursed, without prior approval
After prior approval, without it in emergencies and defined cases
The plan reimburses dental treatment in full, while dentures and orthodontics leave a share of your own. The dental benefit limits open up particularly wide from the sixth year.
100 percent, including root canal and periodontal treatment, prophylaxis and professional teeth cleaning
80 percent, including crowns, bridges and facings
80 percent, at most 6 implants per jaw, including bone grafting
80 percent
Reimbursement up to the maximum rates
At most €1,000 in year 1, staggered up to €5,000 in year 5, from year 6 €10,000 every 2 years, no limit after an accident
The plan does without a fixed annual deductible and works with a deductible per benefit instead. This keeps the premium moderate and spreads your share over the year.
Deductible per benefit, usually at most €20 per day or product
At most €50 deductible per medical aid
€20 per day for at most 14 days per hospital stay
Deductible on outpatient, inpatient and dental benefits, generics are excluded
The plan rewards claim-free years twice: with a guaranteed lump sum after the first year and a performance-based refund that grows over the years.
2 monthly premiums after a claim-free year through Comfort-U
1 monthly premium after 2, 2 after 3, 3 after 4 and 4 monthly premiums after 5 claim-free years
Up to six monthly premiums over a long claim-free period
If preventive care or vaccinations are reimbursed, the performance-based refund no longer applies, and SP2 pays no refund
Beyond the core benefits, the plan shows good fertility treatment benefits and clear limits on health cures and cover for children.
100 percent after prior approval for organic infertility, at most 3 attempts
No option for higher-level cover
Outside Europe up to 6 months, additional costs for medically necessary repatriation
Children cannot be insured alone in this plan
Follow-up rehabilitation within 2 weeks after the hospital stay, health cures and sanatorium treatment are not reimbursed
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 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 free choice of hospital with a two-bed room and private doctor through SP2.
Very strong naturopathy: alternative practitioners at 100 percent according to the fee directory, homeopathic medicines included.
High no-claims refund of up to six monthly premiums together for claim-free years.
Fertility treatment at 100 percent after approval, dental treatment including professional teeth cleaning at 100 percent.
Deductible per benefit instead of a fixed annual deductible, so your share is predictable in each case.
We rate premium stability at 4 out of 10 points, the weakest value in the comparison group. You should factor in larger future adjustments.
The deductible applies to every benefit. If you have many small bills, this adds up to noticeable amounts of your own.
A need for visual aids that already exists when the contract is signed is only covered against a surcharge, and classic health cures are not reimbursed.
Children cannot be insured alone in this plan, and there is no option right for higher-level cover.
A plan with a good benefit profile 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 value free choice of doctor, strong naturopathy and a high refund and are willing to accept a deductible per benefit and a weaker premium history for it.
It is less suitable if maximum premium stability, a single room or an option right matter to you, or if you regularly submit many small bills. For these cases we show you better alternatives from our comparison in our advice.
Instead of a fixed annual deductible, Continentale deducts a small share of your own for most benefits, usually at most €20 per day or product, up to €50 for medical aids and €20 per day for at most 14 days in hospital. Generics are excluded. The advantage is a moderate premium, the disadvantage adds up with many small bills.
You can claim the basic share of your premium, meaning cover at the level of statutory basic care, as pension and insurance expenses for tax purposes. We explain the details and maximum amounts under deducting private health insurance from tax.
Within Continentale you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. However, the combination has neither a simplified right to switch to higher-level plans nor an option right.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Continentale'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 Allianz combination with a top-up plan for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who it 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 →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.
Please choose a day
Loading free appointments
The confirmation is on its way to your inbox.
