PKV runs on reimbursement: doctors bill you, the insurer pays you back. How the money flow works and how to handle large hospital bills.
ottonova offers app-based, English-language PKV. How the digital insurer compares with traditional providers on benefits, price and long-term stability.
Private medical invoices follow the GOÄ fee schedule with multipliers up to 3.5. How to read your bill and when your insurer pays in full.
Shareholder-directors of a GmbH are often exempt from social insurance and can choose PKV at any salary. How the rules work and what to watch.
Every PKV policy comes with mandatory private long-term care insurance (PPV). What it covers, what it costs and how it compares to the GKV equivalent.
From age 55 the law effectively bars a return from PKV to statutory insurance — even below the salary threshold. How the rule works and its rare exceptions.
Many PKV tariffs refund up to several monthly premiums for claim-free years. How Beitragsrückerstattung works and when holding back invoices pays off.
Allianz and AXA are two of the biggest PKV providers in Germany. How do their tariffs, service and stability compare — and who suits which insurer?
The key PKV figures for 2026 — salary threshold, ceilings — and the trends every policyholder should watch this year.
A practical pre-join checklist for PKV — eligibility, health, benefits, income protection, long-term cost planning and getting advice.
What changing employer means for your PKV — the salary-threshold recheck, the employer subsidy, and the pitfalls to avoid.
LVM's mutual network and value focus versus Münchener Verein's health-specialist tariffs — a practical head-to-head to choose your PKV.