Mini-jobs create no health insurance, midi-jobs trigger full GKV membership — a sharp line with big consequences for PKV members and their spouses.
When should you switch to PKV — in life and in the calendar year? Age windows, career triggers, GKV notice periods and the myths about deadlines.
The Werkstudent privilege exempts student jobs from most social insurance. How it interacts with student GKV and PKV — and the 20-hour rule that decides everything.
Freelance creatives insured via the Künstlersozialkasse are usually in GKV. When KSK members can choose PKV and how the subsidy transfers.
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.
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.
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.
What changing employer means for your PKV — the salary-threshold recheck, the employer subsidy, and the pitfalls to avoid.
What happens to your PKV if you become unemployed, the ALG I vs ALG II rules, and how to keep premiums manageable.
Why doctors and medical professionals favour PKV, the special profession tariffs available, and what to look for when choosing cover.
The realistic routes back from PKV to GKV, why age 55 is a hard barrier, and the options if you are over it.
Self-employed people (Selbststaendige) can join PKV regardless of income. Entry rules, costs, and the GKV-vs-PKV decision for freelancers.