Dermatology has Germany's longest waits; early detection decides skin cancer outcomes. How PKV covers screening, digital dermoscopy and fast access.
How free hospital choice works for private patients — and the Privatklinik fine print: plan hospitals vs private clinics, and the pre-approval that prevents shocks.
How private patients reach specialists faster in Germany: no referral requirement, appointment economics, Terminservicestellen comparison and etiquette.
How PKV covers palliative medicine, SAPV home palliative teams and hospice care — and what families should clarify with the insurer early.
How PKV covers medical transport: emergency ambulances, inter-hospital transfers, routine treatment journeys and air rescue — and the clauses that limit them.
How PKV handles sports injuries: full cover for amateur sport, application questions about risky hobbies, professional-sport limits and rescue costs.
When does PKV pay for LASIK? Case law increasingly treats laser eye surgery as reimbursable treatment. Tariff clauses, court rulings and how to apply.
How PKV reimburses medication: original preparations vs generics, tariff clauses to check, and how the pharmacy process works for private patients.
How PKV handles chronic conditions: ongoing medication, specialist access, aids and deductible strategy — for those already insured when diagnosed.
How PKV covers cancer care: diagnostics, oncology, innovative therapies, second opinions and aftercare — and the tariff details that matter most.
How PKV covers medical aids and appliances (Hilfsmittel) like hearing aids and wheelchairs, and the catalogues and limits to check.
How German PKV covers treatment abroad in the EU and worldwide, the duration limits, and what to check before you travel.