Eligibility Is Rarely the Issue
Executives and senior hires relocating to Germany usually arrive on packages well above the PKV income threshold, so eligibility for private cover is straightforward. The decisions that matter are about family cover, the length of the posting, and choosing a tariff that matches a senior role rather than the cheapest available.
The Real Questions
- Family cover: PKV prices each person separately. A relocating family needs cover for the spouse and children, which a good comprehensive plan can provide at a strong standard.
- Length of posting: a fixed-term assignment weighs differently from a permanent relocation, since PKV builds reserves over the long run.
- Comprehensive benefits: senior hires often want single-room hospital cover, chief-physician treatment and strong international benefits.
- Employer arrangements: some packages include support toward health cover, which is worth clarifying.
Clarify the assignment length first: a two-year posting and a permanent move lead to different choices. PKV rewards a long horizon through its reserves, so knowing your intended stay shapes the right structure.
Structuring It Well
For a permanent relocation, comprehensive PKV taken with the family, chosen on benefits and long-term stability, fits a senior role well. For a fixed-term assignment, weigh the reserve-building logic against the likelihood of leaving, and check whether the employer supports the cover. A broker experienced with international senior hires can build the family package and flag insurers with strong international benefits and English-language service.
Frequently Asked Questions
Compare PKV Tariffs for Your Situation
Our independent advisors help expats and professionals find the right private health insurance — personalised to your age, health, and budget.
Get My Free Quote