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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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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong Signal Iduna plan for the self-employed with free choice of doctor, dentures at 85 percent and a preventive care budget of €750 that does not affect the deductible or the refund.
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The Signal Iduna Komfort-SI is in our selection for the self-employed because it combines a high benefit level with quick reimbursement and a well-designed rule for preventive care. We rate claims handling at 9 out of 10 points, and benefit coverage and family friendliness at 8 out of 10 points each. The plan relies on free choice of doctor without a primary doctor principle, a single or two-bed room and private doctor in hospital, and strong dental cover up to 85 percent. This is balanced by a deductible of €500 a year on outpatient and inpatient benefits. The special feature is in the detail: preventive care, vaccinations, prophylaxis and professional teeth cleaning up to €750 a year are not affected by the deductible or the refund. We rate premium stability at 6 out of 10 points and premium level at 5 out of 10 points, so the premium is above the market average.
Preventive care, vaccinations, prophylaxis and professional teeth cleaning up to €750 per calendar year are free of the deductible and do not affect the no-claims refund. So you can make full use of preventive care without your deductible or refund suffering.
If you receive parental allowance or reduce your working hours without parental allowance, a premium exemption for up to six months is possible. The condition is that the birth took place at least twelve months after the start of the insurance.
Dentures and implants are reimbursed at 85 percent, and orthodontics even at 100 percent if completed successfully. Naturopathic treatment, alternative practitioners and osteopathy are covered by a shared budget of up to €1,500 a year, also according to the Hufeland directory.
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.
The outpatient area decides on your choice of doctor and the reimbursement of private doctors' fees. The Komfort-SI 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 practitioners at 100 percent
Statutory programs without age limit, prenatal care, preventive care up to €750 free of the deductible and neutral for the refund
Up to 130 percent of the maximum amounts of the federal allowance regulation for civil servants
Open catalog of medical aids at 100 percent, from €500 with prior approval
Together with osteopathy up to €1,500 per year according to the fee directory or the Hufeland directory
80 percent for at most 50 sessions a year, prior approval from the 31st session
Up to €450 per 2 years for glasses and contact lenses, surgical vision correction including Lasik up to €1,500 per eye
In hospital the plan covers the optional hospital services. A daily charge applies for the single room, while the two-bed room has no such surcharge.
Single or two-bed room, €60 deductible per day for the single room, none after an accident
Private doctor treatment, GOÄ up to the maximum rates
€20 if you do without the two-bed room, €30 if you do without private doctor treatment
Reimbursement, for general hospital services limited to 1.5 times regular hospital rates
Reimbursed, without prior approval
After prior approval, without it in emergencies and defined cases
Reimbursed, plus a lump sum of €200 per outpatient operation or operation replacing a hospital stay
The plan reimburses dental treatment in full and dentures at 85 percent. For orthodontics the plan rewards successful completion. What you need to know are the dental benefit limits.
100 percent, including root canal and periodontal treatment, professional teeth cleaning twice a year
85 percent, including crowns, bridges and veneers
85 percent, at most 6 implants per jaw, including bone grafting
80 percent up to age 21, 100 percent if completed successfully
Reimbursement up to the maximum rates
At most €750 in year 1, €1,500 up to year 2, €3,000 up to year 3, €5,000 up to year 4, unlimited from year 5, no limit after an accident
The plan works with a fixed deductible but deliberately excludes preventive care. This makes ongoing costs predictable and rewards prevention.
€500 per calendar year on outpatient and inpatient benefits
Half deductible up to age 20
Preventive care, vaccinations, prophylaxis and professional teeth cleaning up to €750 free of the deductible
An additional €60 per day for the single room in hospital, none after an accident
The plan combines a guaranteed lump sum with a performance-based refund. Preventive care up to €750 does not count against you.
€600 after 1, €750 after 2, €900 from the 3rd claim-free year
2 monthly premiums after a claim-free year
Receive half the performance-based refund, half the lump sum up to age 20
Preventive care, vaccinations, prophylaxis and professional teeth cleaning up to €750 do not put the refund at risk
Beyond the core benefits, the plan shows strengths in fertility treatment, cover abroad and an option right for higher-level cover.
Premium exemption for up to 6 months, on condition that the birth takes place at least 12 months after the start of the insurance
100 percent after prior approval for organic infertility, at most 3 attempts
Up to age 14, at most €25 per day for up to 14 days
Worldwide during a temporary stay of up to 12 months, medically necessary repatriation included
Option for higher-level cover at the end of 36, 60 and 84 months, plus a return after a reduction
The Komfort-SI is 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. is added. 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 (8 out of 10 points) with free choice of doctor, a single or two-bed room and private doctor in hospital.
Quick claims handling (9 out of 10 points) and a large preventive care budget of €750 with no disadvantage for the deductible or the refund.
Strong dental cover with dentures at 85 percent and orthodontics up to 100 percent if completed successfully.
Naturopathic treatment, alternative practitioners and osteopathy together up to €1,500 a year, remedies up to 130 percent of the 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 → rates.
Worldwide cover abroad up to 12 months with repatriation, fertility treatment at 100 percent after approval.
A daily charge of €60 applies for the single room in hospital. If you want to avoid the surcharge, choose the two-bed room.
The plan works with a deductible of €500 a year on outpatient and inpatient benefits.
Dentures are reimbursed at 85 percent, not at 100 percent. Outpatient psychotherapy is limited to 50 sessions.
At 5 out of 10 points, the premium level is above the market average. The plan has no simplified right to change plan, but the statutory right 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 Komfort-SI suits self-employed people and freelancers who want a high benefit level with free choice of doctor and strong dental cover, who value preventive care and who accept a premium above the market average for this.
It is less suitable if a particularly low starting premium or a single room with no daily charge at all is the priority. For these cases we show you better alternatives from our comparison in our advice.
Preventive care, vaccinations, prophylaxis and professional teeth cleaning up to €750 per calendar year are free of the deductible and are not counted against the no-claims refund. So you can make full use of preventive care without your deductible or refund suffering.
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 Signal Iduna you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. In addition, there is an option right for higher-level cover at the end of 36, 60 and 84 months.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Signal Iduna'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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