PKV often covers IVF more generously than GKV — but the causation principle decides whose insurer pays. What couples should clarify before treatment.
A PKV contract can last 50 years. Which ratings and key figures — Assekurata, solvency, RfB quota, admin costs — actually reveal an insurer's strength.
Almost every PKV tariff caps dental reimbursement in the first 3–5 years via the Zahnstaffel. Typical limits, exceptions and how to plan major dental work.
Signal Iduna and Continentale are established mutual PKV insurers. How they compare on tariffs, target groups and long-term stability.
How PKV covers cancer care: diagnostics, oncology, innovative therapies, second opinions and aftercare — and the tariff details that matter most.
Part-time work can drop you below the PKV salary threshold and trigger compulsory GKV. What happens before 55, after 55 and how to plan a reduction in hours.
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.