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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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PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong DKV single plan for employees with reimbursement above the maximum rates of the fee schedule, remedies at 100 percent without a 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 → cap and no deductible at all.
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The DKV PremiumMed PMN0 is in our selection for employees because its benefit level is right at the top. We rate benefit coverage with the full score of 10 out of 10, and for us it is one of the strongest plans on the market. Unlike many premium plans, the PMN0 does not cap remedies at a percentage of the federal allowance regulation for civil servants, but reimburses physiotherapy and other remedies at 100 percent. The PMN0 is a single plan for outpatient, inpatient and dental care and comes in the version without a deductible, which is exactly what the zero at the end of the code stands for. We rate DKV's reimbursement practice at 9 out of 10 points for claims handling. The price, on the other hand, needs an honest assessment. With a rating of 3 out of 10 for premium level, the starting premium is at the upper end of the market. According to the plan terms, special conditions apply to certain occupational groups, and we clarify this case by case. If you choose this plan, you consciously decide for benefits instead of a low premium, and it is exactly in these cases that we recommend it in our advice.
The PMN0 reimburses doctors' fees also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care. For inpatient care, private doctor treatment in a single room applies. In a serious case, exactly these lines decide the actual reimbursement, and that is why we rate benefit coverage at 10 out of 10 points.
Many plans limit remedies to a percentage of the federal allowance regulation for civil servants. The PMN0 does without this cap and reimburses physiotherapy, massages, occupational therapy, speech therapy and other remedies at 100 percent, including osteopathy as well as birth preparation and postnatal recovery.
The code PMN0 stands for the version without a deductible, so you pay no annual share of your own when you make a claim. Dental benefits are covered from the first day without dental benefit limits, so there is no staged cap in the first years of insurance.
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 in everyday life and how much of private doctors' fees is reimbursed. The most important line is the fee schedule, because the PMN0 also reimburses fees above the maximum rates of the GOÄ, and that is exactly where many specialists bill.
Free choice of doctor, no primary doctor principle, plus telemedicine at 100%
Reimbursement also above the maximum rates
Statutory programs without age limits, pregnancy checkups, plus up to €500 per year for further preventive care and prevention courses
Reimbursed, including products for artificial nutrition
100% without being tied to the federal allowance regulation for civil servants, including osteopathy
Open catalog, 100% through the insurer or a list, otherwise 90%, digital health applications up to €500 beyond the directory
100% according to the fee directory for alternative practitioners up to its maximum amounts
Up to €1,500 per 24 months for visual aids, plus €1,500 per eye for surgical vision correction including Lasik
90% without a limit on the number of sessions, without prior approval
In hospital the difference between basic cover and premium cover is clearest. The PMN0 covers the highest level of accommodation and rewards you with a substitute daily hospital allowance if you do without it.
Single room
Private doctor treatment, GOÄ also above the maximum rates
€40 if you do without a single and two-bed room, €20 if you do without a single room, €60 if you do without private doctor treatment
Treatment in private clinics is reimbursed
Reimbursed, without prior approval except in private clinics
After prior approval, without approval in an emergency, for acute illness, surgery or follow-up rehabilitation after a hospital stay
To and from the hospital up to 100 km
Dentures are one of the most common reasons for a claim of all. The PMN0 has no dental benefit limits, so what you mainly need to know here is the percentage for dentures and implants.
100%, including professional teeth cleaning, root canal and periodontal treatment
90%, 100% after an accident, including crowns, bridges, veneers and onlays
100%
90%, 100% after an accident, including bone grafting
100% if treatment starts up to age 18, no age limit after an accident
Reimbursement also above the maximum rates
None, dental benefits are covered from the first day without a staged cap
The PMN0 is the plan version without a deductible, so no annual share of your own remains when you make a claim. When you adjust the contract later, it is worth looking at two fine differences.
None, the PMN0 is the zero version without an annual share of your own
An option to a lower deductible does not apply to the PMN0, as it already has none
No simplified right to change to higher-level plans included
If you submit no bills, you get money back. The PMN0 combines a guaranteed lump sum with a performance-based refund, and preventive care does not count against you.
€1,500 per claim-free calendar year, €500 for children and young people up to age 20
€2,100 after a claim-free year, €700 for children and young people
Preventive checkups, vaccinations, prophylaxis and professional teeth cleaning do not affect the refund
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes.
€600 per month for up to 6 months while receiving parental allowance, premium exemption for a hospital stay of more than 91 days, prior insurance period of 24 months
Children can be insured alone from birth
Covered for children up to age 10
100% for organic infertility, with age limits and limits on the number of attempts (woman under 40, man under 50, up to 6 inseminations or 3 attempts of IVF or ICSI)
Outside Europe up to 6 months, longer if returning home cannot reasonably be expected, medically necessary repatriation included
Follow-up rehabilitation within 28 days after acute inpatient treatment, plus €30 per day for up to 28 days per 36 months
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 plan. As an employee you need it from the end of continued pay during illness, usually from the seventh week. 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.
Reimbursement also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care. In a serious case one of the most important differences between plans.
Benefit coverage at the highest level (10 out of 10 points), for us one of the strongest plans on the market.
Remedies at 100 percent without being tied to the federal allowance regulation for civil servants, a real difference from many premium plans capped at 130 percent.
No deductible and no dental benefit limits, dental benefits apply from the first day without a staged cap.
Fast and fair claims handling at 9 out of 10 points, plus a single room as standard for inpatient care.
The premium is at the upper end of the market (3 out of 10 points for premium level). If price is your main criterion, you will find plans with a leaner range of benefits at a lower cost.
Dentures and implants are reimbursed at 90 percent, the full 100 percent only applies here after an accident.
The PMN0 has no simplified right to switch to higher-level plans. The statutory right to change plan under § 204 VVG of course still applies.
Krankentagegeld must be added separately and belongs in every calculation for employees.
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 PMN0 suits employees above the JAEG JAEG · 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 → 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 insuring a child alone from birth 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 PremiumMed PMN0 is the plan version without a deductible. You pay no annual share of your own when you make a claim. If you deliberately want to take on a deductible to lower the premium, we check the right version from the PremiumMed range with you.
Yes. As a privately insured employee you receive the employer contribution of half your premium, up to the statutory maximum. The contribution applies no matter which plan you choose.
Yes. Within DKV 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 PMN0 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 DKV'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.
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View plan →The Signal Iduna plan Exklusiv-SI for employees reviewed: benefits from the plan terms, our rating on five key figures and who this premium single 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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