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 noticeLow-priced Continentale combination for doctors with a single room through the top-up plan SP1, reimbursement above the maximum rates of the fee schedule and a refund of up to six monthly premiums.
4,96 · 235 reviews Featured in leading trade media
The Continentale combination of Premium-MED and SP1 is in our selection because it offers a strong range of benefits at one of the lowest premiums in the doctors' segment. For the premium level we give 8 out of 10 points. The main plan Premium-MED secures outpatient and dental benefits as well as a multi-bed room, and the top-up plan SP1 raises inpatient accommodation to a single room with a private doctor. The refund is a plus: the guaranteed lump sum and the performance-based refund together come to up to six monthly premiums. You need to know two things: there is a deductible of €20 per benefit up to at most €500 per year, and we rate premium stability at 4 out of 10 points, the weakest value in the package.
For the premium level we give 8 out of 10 points, one of the best values in our selection for doctors. The combination reaches its benefit level with a very low starting premium, among other things through a moderate deductible per benefit.
In addition to a guaranteed lump sum of two monthly premiums after a claim-free year, the Premium-MED pays a performance-based refund of up to four monthly premiums after five claim-free years. Together that is up to six monthly premiums.
The top-up plan SP1 raises inpatient accommodation to a single room with private doctor treatment and reimburses the fee schedule also above the maximum rates. This lets you bring inpatient cover specifically to private clinic level.
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 Premium-MED reimburses above the maximum rates of the GOÄ and covers alternative practitioners through the GebüH.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
According to the statutory programs, plus up to €500 per year for further preventive care
100% for 30 sessions per year, then 80%, without prior approval
100% according to the fee directory for alternative practitioners and the insurer's list
Reimbursed, including homeopathic medicines
According to the federal allowance regulation for civil servants or section E of the GOÄ, whichever amount is higher
Open catalog, 100% up to €1,000, above that with a cost estimate, hearing aid up to €1,500 per ear and year
Up to €400 per 2 years, Lasik up to €2,500 from year 3
In hospital the cover consists of two modules. The Premium-MED provides a multi-bed room, and the top-up plan SP1 raises this to a single room and private doctor.
Single room through the top-up plan SP1
Private doctor treatment through SP1, GOÄ also above the maximum rates
€40 per day if you do without a single or two-bed room, €20 if you do without the single room, €50 if you do without a private doctor
Reimbursed through the Premium-MED
Reimbursed, without prior approval
Covered in hospital for children up to age 15
To and from the nearest suitable hospital
Dentures are one of the most common reasons for a claim. The Premium-MED reimburses dental treatment in full, while a percentage deduction applies to dentures. Here the dental benefit limits run over the first six years.
100%, including professional teeth cleaning, root canal and periodontal treatment
85%, including crowns, bridges, implants
85%
85%, including bone grafting
85%
Reimbursement also above the maximum rates
Maximum €2,000 up to year 2, €5,000 up to year 4, €10,000 up to year 6, unlimited from year 7
The Premium-MED works with a deductible that applies per benefit and is capped. This keeps your share predictable and the premium low.
€20 per treatment day or per product, on outpatient and dental benefits
Maximum €500 per calendar year, €250 up to age 20
For generics, there is no deductible on medicines
Deductible pro rata per month
If you submit no bills, you get money back. Continentale combines a guaranteed lump sum with a performance-based refund, together up to six monthly premiums.
2 monthly premiums after a claim-free year
1 monthly premium after 2 years, staggered up to 4 monthly premiums after 5 claim-free years
Receive the same refund
If preventive care or vaccinations are reimbursed, there is no refund for that year
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes.
100% after approval for organic infertility, with limits on the number of attempts
From the 2nd month while receiving parental allowance for at most 6 months
Outside Europe 12 months through the Premium-MED
Only follow-up rehabilitation after a hospital stay, other health cures are not reimbursed
No option for higher-level cover
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 → is not part of this combination. As an employed doctor you need it from the end of continued pay during illness, as a doctor in private practice from the first day of incapacity for work. We add 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.
Very low premium (8 out of 10 points) with a solid range of benefits.
Refund from a guaranteed lump sum and a performance-based share of up to six monthly premiums together.
Single room with private doctor through the top-up plan SP1, reimbursement above the maximum rates.
Alternative practitioners at 100 percent according to the fee directory, open catalog of medical aids.
Predictable deductible per benefit with an annual cap of €500.
At 4 out of 10 points, premium stability is the weakest value in the package.
There is a deductible of €20 per benefit up to at most €500 per year.
The dental benefit limits run over six years and are therefore longer than in many other plans.
The combination includes neither an option right nor a simplified right to switch.
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 doctors who want a good benefit level at a low premium and can live well with a predictable deductible per benefit. If you value a high refund, you will find one of the stronger values in our selection here.
It is less suitable if the highest possible premium stability is the priority or if you do not want a deductible. For these cases we show you better alternatives from our comparison in our advice.
The Premium-MED pays two benefits together: a guaranteed lump sum of two monthly premiums after a claim-free year and a performance-based refund of up to four monthly premiums after five claim-free years. In total that is up to six monthly premiums. The condition is that no claims are made in the entire plan.
The plan deducts €20 per benefit, for example per treatment day or per product, capped at €500 per calendar year. For generics, there is no deductible on medicines. This design keeps the premium low. We explain more under deductible.
As an employed hospital doctor you receive the employer contribution of half your premium, up to the statutory maximum. As a doctor in private practice you can deduct the premiums from tax instead.
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. The rating is our professional assessment, not a ranking by a testing institute.
From our vetted selection, rated on the same key figures.
The SDK combination for doctors reviewed: benefits from the plan terms, our rating on five key figures and who the plan suits.
View plan →The AXA combination for doctors with a career option right reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →The strongest Barmenia plan for doctors 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.
