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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeVery low-cost Hanse Merkur combination for the self-employed with a cancer screening blood test, a single or two-bed room through the PSV module and a health discount at the start.
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The Hanse Merkur combination of KVS3, EKV2 and PSV is in our selection for the self-employed above all because of its price: we rate the premium level at 10 out of 10 points, so the premium is very low, and premium stability at a solid 8 out of 10 points. Two levers make this possible. The plan works with a deductible of €1,000 a year on outpatient and dental benefits and with a family doctor principle. The structure is modular. KVS3 is the main plan for outpatient and dental benefits, EKV2 adds cancer screening and later raises the dental benefit limits, and PSV brings a single or two-bed room and a private doctor in hospital. We rate the benefit level at 6 out of 10 points, the leanest value in the comparison group. If you want a low-cost entry and accept a deductible and going through a family doctor, you will find a strong price argument here.
We rate the premium level at 10 out of 10 points, the highest value in the comparison group. The low premium comes from a deductible of €1,000 a year on outpatient and dental benefits, a family doctor principle and a modular structure in which individual modules can be adjusted in a targeted way.
From age 18, the top-up plan EKV2 reimburses one special blood test for cancer screening each year. If the result is abnormal, imaging procedures such as PET-CT and head and neck or prostate MRI from the main plan are added.
From age 20, people who pass a health check receive a health discount of 10 percent from the second month, initially until the middle of the second year of insurance. It can be extended by twelve months at a time.
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. KVS3 works with a family doctor principle, and EKV2 adds cancer screening.
Family doctor principle: 100 percent if the first treatment is by a family doctor, otherwise 80 percent
Reimbursement up to the maximum rates of the GOÄ
One blood test for cancer screening each year from age 18, if the result is abnormal imaging procedures from the main plan
Telephone and video consultations with doctors at 100 percent
90 percent up to the maximum amounts of the federal allowance regulation for civil servants
Open catalog of medical aids at 100 percent, wheelchairs up to €12,000, other medical aids up to €15,000
80 percent according to the fee directory, staggered up to €1,000 a year from the 3rd year of insurance
70 percent for a maximum of 50 sessions a year, prior approval required
Up to €100 per 36 months in total for visual aids and Lasik
In hospital two modules work together: KVS3 covers the standard case, and PSV raises this to optional hospital services with a single or two-bed room and a private doctor. Only this combination brings private comfort.
KVS3 multi-bed room, PSV raises this to a single or two-bed room
KVS3 standard and affiliated doctor, PSV private doctor treatment
KVS3 affiliated doctor up to the maximum rates, PSV also above the maximum rates
Through PSV €35 if you do without a single or two-bed room, €25 if you do without private doctor treatment
For general hospital services up to 1 times the costs of a hospital that bills at regular rates
Reimbursed, without prior approval
To and from the nearest suitable hospital
Dental benefits are in the main plan KVS3, and the top-up plan EKV2 raises the dental benefit limits significantly from the seventh year. The long staggering in the first years is important to know.
100 percent, including root canal and periodontal treatment and professional teeth cleaning
80 percent, including crowns, bridges and facings
80 percent
80 percent
Dental treatment up to the standard maximum rates, dentures and orthodontics up to the maximum rates
€600 in the first 2, €1,200 in the first 4, €2,400 in the first 6 years, from the 7th year through EKV2 up to €10,000 a year, from the 15th year without limit, no limit after an accident
The combination consists of three modules with a clear division of tasks. The low premium comes mainly from the deductible of the main plan.
Basic cover for outpatient and dental benefits, deductible of €1,000 a year
Cancer screening blood test and higher dental benefit limits from the 7th year
Single or two-bed room and private doctor treatment, GOÄ also above the maximum rates
No deductible on outpatient and dental benefits
Hanse Merkur rewards good health and claim-free years twice: with a health discount at the start and a performance-based refund.
10 percent from the 2nd month after passing a health check, initially until the middle of the 2nd year of insurance, can be extended
€200 after 1, €300 after 2, €400 after 3, €500 after 4 claim-free years
At most half of the annual premium for full cover paid in the previous year
Lump sums for preventive checkups do not affect the refund, PSV pays no refund
Beyond the core benefits, the plan shows early cover for children and clear limits abroad and for fertility treatment.
Children can be insured alone from birth, and cover can start on the day of birth
Covered through PSV up to the child's age 14
Not reimbursed
Outside Europe, benefits are reduced by one third from the 2nd month unless agreed otherwise in advance, repatriation through PSV for trips of up to 3 months
Follow-up rehabilitation under certain conditions, no inpatient health cure or sanatorium treatment
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.
Very low starting premium, in our rating 10 out of 10 points, with solid premium stability at the same time (8 out of 10).
Extensive cancer screening through the top-up plan EKV2 with an annual blood test and imaging procedures if the result is abnormal.
Full optional hospital services through PSV with a private doctor, a single or two-bed room and GOÄ also above the maximum rates.
Health discount of 10 percent at the start and a performance-based refund after claim-free years.
Open catalog of medical aids at 100 percent with high limits, telemedicine included.
We rate the benefit level at 6 out of 10 points, the leanest value in the comparison group. The low premium has its price here.
The plan works with a deductible of €1,000 a year on outpatient and dental benefits and with a family doctor principle.
Visual aids and Lasik together are limited to only €100 per 36 months, the dental benefit limits only open up late, and private clinics are only reimbursed at 1 times the rate.
Outside Europe, cover falls by one third from the 2nd month, and fertility treatment and classic health cures are not reimbursed.
A low-cost 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 want a low, reliable premium, accept a deductible and are comfortable going through a family doctor, and who have a healthy lifestyle that secures the health discount.
It is less suitable if you expect a high benefit level, free choice of specialist without going through a primary doctor, high reimbursement for visual aids or fertility treatment. For these cases we show you better alternatives from our comparison in our advice.
KVS3 is the main plan for outpatient and dental benefits. The top-up plan EKV2 adds cancer screening and raises the dental benefit limits from the seventh year. PSV brings a single or two-bed room and private doctor treatment in hospital. This modular logic makes the combination adjustable: if you want to save on hospital cover, you can leave out PSV and lower your premium.
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 Hanse Merkur you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. The main plan KVS3 also includes an option right for higher-level cover in the 4th, 6th and 8th year of insurance.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Hanse Merkur'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.
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