A Profession That Fits the Private Model
Management consultants and interim managers share a profile that lines up neatly with private health insurance: typically high, stable earnings, frequent travel, and — for many — self-employment or high-salary employment above the income threshold. Both the employed consultant clearing €77,400 (2026) and the independent interim manager invoicing clients can choose PKV. The interesting part is tailoring the cover to a working life spent on the road and between engagements.
Eligibility is usually the easy part: whether employed above the threshold or self-employed, consultants generally qualify for PKV. The value is in matching the tariff and the surrounding cover to constant travel and contract-to-contract income.
Travel-Ready Cover
Consulting means airports and hotels, often internationally. Prioritise a tariff with genuinely worldwide cover at German reimbursement levels, understand the trip-length limits for longer overseas engagements, and check how higher-cost regions are handled. For a professional who might spend weeks on a client site abroad, the worldwide clause is not a footnote — it is a selection criterion.
Income Protection Between Contracts
- Krankentagegeld: a self-employed consultant has no employer sick pay — daily sickness benefit replaces income if illness stops you billing
- Occupational disability (BU): essential and separate from health cover — it protects the income your expertise generates if you can no longer work
- Premium buffer: contract-to-contract income argues for holding a few months of premium aside so a gap between engagements never threatens the policy
- Sustainable tier: choose benefits at a premium you can carry in a quiet month, not only a busy one
Employed Consultants vs Independents
An employed consultant above the threshold gets the employer subsidy toward the PKV premium and employer-side stability — a comfortable route into private cover. An independent interim manager carries the full premium but gains flexibility and, if healthy and entering relatively young, strong long-run value. Either way, the tariff should be chosen for the long term, since upgrading later means fresh health questions — a point mobile, hard-working professionals should not defer.
The Bottom Line
For management consultants and interim professionals, PKV eligibility is typically straightforward through high income or self-employment; the craft is in the fit. Prioritise worldwide cover for constant travel, add Krankentagegeld and — crucially — separate occupational-disability cover, keep a premium buffer for gaps between contracts, and choose a durable tier. Get those right and private cover matches the pace of the work.
Frequently Asked Questions
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