How the Basistarif, Standardtarif and Notlagentarif provide capped, guaranteed PKV cover for those who need a safety net.
How general and special waiting periods (Wartezeiten) work in PKV, where they apply, and how a medical exam can waive them.
How §204 VVG lets you move to a cheaper tariff with the same insurer, keep your full ageing reserve, and reduce your premium without re-underwriting.
What the PKV health assessment asks, why full honesty is critical, and how pre-existing conditions, surcharges and exclusions work.
How the Anwartschaftsversicherung preserves your PKV entry age, health status and ageing reserve while you pause cover — small vs large Anwartschaft compared.
A complete 2026 comparison of private (PKV) and statutory (GKV) health insurance — costs, benefits, family cover and how to decide.
A complete step-by-step guide to switching from GKV to PKV in Germany. Who qualifies, when to switch, what happens to dependents, and common mistakes to avoid.