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 noticeLKH plan for the self-employed with strong benefits, free choice of doctor, a two-bed room and private doctor and a high no-claims refund from the first year.
4,96 · 235 reviews Featured in leading trade media
The LKH GUK500 is in our selection for the self-employed because it combines a high benefit level with fast reimbursement and a strong refund. We rate benefit coverage at 9 out of 10 points and claims handling also at 9 out of 10 points. The plan relies on free choice of doctor without a primary doctor principle, a two-bed room and private doctor in hospital and broad outpatient cover up to alternative practitioners. This is balanced by a fixed deductible of €500 a year on outpatient, inpatient and dental benefits. We rate the premium level at 6 out of 10 points, in the middle range, and premium stability at 7 out of 10 points, above average. The refund is particularly striking. New policyholders receive the high performance-based payment already in the first year.
The plan offers free choice of doctor without a primary doctor principle, a two-bed room and private doctor treatment in hospital with the GOÄ also above the maximum rates, and broad outpatient cover including alternative practitioners at 100 percent up to €1,000 a year. We rate benefit coverage at 9 out of 10 points.
The performance-based no-claims refund reaches four monthly premiums after three claim-free years. The special feature is that new policyholders already receive these four monthly premiums for the first year. There is also a guaranteed lump-sum payment that can also be used as a premium deferral.
Instead of steering through a family doctor, the plan relies on free choice of doctor and balances this with a fixed deductible of €500 a year. The deductible can be changed on fixed dates through an option right.
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. The GUK500 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
Telephone and video consultations with doctors at 100 percent
Statutory programs and further checkups, statutory preventive care up to €600 a year free of the deductible, plus up to €200 for prevention courses
80 percent up to €1,000 of invoice amounts per year, 100 percent above that, at most 125 percent of the federal allowance regulation for civil servants
Open catalog of medical aids at 100 percent up to €1,000, above that after approval, otherwise 80 percent
100 percent up to €1,000 per year according to the fee directory
80 percent for 30 sessions per year, then 100 percent, without prior approval
Up to €450 per 3 years for visual aids, surgical vision correction including Lasik up to €1,500 per eye
In hospital the plan covers a two-bed room and private doctor treatment and pays a substitute daily allowance if you do without them.
Two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€40 if you do without a two-bed room, €40 if you do without private doctor treatment
Reimbursement, for general hospital services limited to 1.5 times regular hospital rates
Reimbursed, without prior approval
Treatment is reimbursed
To and from the nearest suitable hospital, €0.30 per km in a private vehicle
The plan reimburses dental treatment in full, while dentures at 80 percent leave an own share. Professional teeth cleaning is fully included twice a year.
100 percent, including root canal and periodontal treatment, professional teeth cleaning twice a year at 100 percent
80 percent, including crowns, bridges and veneers
80 percent, including bone grafting
80 percent up to age 21, no age limit after an accident
Reimbursement up to the maximum rates
At most €1,000 in year 1, €2,000 by year 2, €3,000 by year 3, unlimited from year 4, prophylaxis and teeth cleaning excluded, no limit after an accident
The plan works with a fixed deductible. It balances the free choice of doctor and can be adjusted through an option right.
€500 per calendar year on outpatient, inpatient and dental benefits
Half the deductible until the end of the year in which the insured person turns 20
Statutory preventive care up to €600, vaccinations, prophylaxis and professional teeth cleaning stay free of the deductible
Change of deductible through the option right, each time on January 1, at the earliest after 3 calendar years
The plan combines a guaranteed lump sum with a performance-based refund that is high for new policyholders already in the first year.
€100 after 1, €200 after 2, €300 after 3 claim-free years or for new policyholders, can also be used as a premium deferral
2 monthly premiums after 1, 3 after 2, 4 after 3 claim-free years
New policyholders already receive the 4 monthly premiums for the first year
Statutory preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
Beyond the core benefits, the plan shows good cover for families and strong repatriation, with limits on the length of stays outside Europe.
Premium exemption for up to 6 months possible
Newborns free of premium in the month of birth and the following 6 months
80 percent for organic infertility, with limits on the number of attempts
Comprehensive in the EU and the EEA, outside up to 3 months, medically necessary repatriation including air ambulance
Health cures up to €2,000 within 3 years, rehab up to 1.5 times the statutory health insurance rate
The GUK500 is comprehensive health insurance, plus the Pflegepflichtversicherung PflegepflichtversicherungCompulsory long-term care insurance. Everyone with health insurance in Germany must have it, privately insured people through their private insurer.. 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 included. 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.
High benefit coverage (9 out of 10 points) with free choice of doctor, a two-bed room, private doctor and reimbursement above the maximum rates of the GOÄ.
Fast claims handling (9 out of 10 points) and an above-average reliable premium history (7 out of 10).
Very high no-claims refund, four monthly premiums for new policyholders already in the first year, plus a lump-sum payment that can be used as a deferral.
Alternative practitioners at 100 percent up to €1,000, psychotherapy in full from the 31st session, professional teeth cleaning twice a year at 100 percent.
Strong repatriation from abroad including air ambulance, and premium exemption during parental leave.
The plan works with a fixed deductible of €500 a year on outpatient, inpatient and dental benefits.
Dentures are reimbursed at 80 percent, not at 100 percent. The dental benefit limits cap the first three years at €1,000 to €3,000.
Outside the EU and the EEA, cover only applies for up to 3 months. With 6 out of 10 points, the premium level is in the middle range.
The plan has no simplified right to switch to higher-level plans. 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 GUK500 suits the self-employed and freelancers who want a high benefit level with free choice of doctor, accept a fixed deductible and value a strong refund that already applies in the first year.
It is less suitable if you expect dentures at 100 percent, comprehensive cover outside Europe or a particularly low starting premium. For these cases we show you better alternatives from our comparison in our advice.
The performance-based refund reaches four monthly premiums after three claim-free years. New policyholders already receive these four monthly premiums for the first claim-free year. There is also a guaranteed lump-sum payment of up to €300 that can also be used as a premium deferral. In each case, the condition is that you make no claims in the entire plan.
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 LKH you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. There is also an option right within the GesundheitsUpgrade line and the option to change the deductible.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find LKH'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 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 →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.
Please choose a day
Loading free appointments
The confirmation is on its way to your inbox.
