How PKV in Germany handles a Mutter-Kind-Kur: the medical-necessity basis, the prescription route and how to secure a cost commitment.
How private health insurance in Germany assesses bariatric (obesity) surgery — the medical-necessity criteria, the conservative-treatment requirement, and securing prior approval.
How private health insurance covers major surgery and organ transplants in Germany — comprehensive inpatient cover, the private-patient advantages, and the approval steps.
How private health insurance treats people with disabilities — underwriting and surcharges, the guaranteed-acceptance safety nets, and the routes that protect access.
How private health insurance in Germany handles rare diseases and off-label drug use — the medical-necessity and evidence tests, and how to secure cover in advance.
How private health insurance distinguishes medically necessary (reconstructive) surgery from purely cosmetic procedures, the grey areas, and how to get cover confirmed.
What Anschlussheilbehandlung (AHB) is — rehabilitation directly following a hospital stay — how it differs from a Kur, and how private insurance assesses and approves it.
How private health insurance in Germany assesses gender-affirming care — the medical-necessity standard, prior approval, provider questions and disclosure.
How hospital choice benefits (Wahlleistungen) work in Germany — the chief-physician and single-room options, the separate agreement you sign, and how PKV pays.
How the pre-contract disclosure duty works in German private insurance, what an Anzeigepflichtverletzung allows the insurer to do, and the time limits that apply.
The difference between Heilmittel (therapies like physiotherapy) and Hilfsmittel (aids like hearing devices) in private cover, and how PKV tariffs reimburse each.
How private long-term-care top-up insurance closes the gap left by compulsory care cover in Germany, and the difference between the daily-cash, cost and state-subsidised versions.