How PKV works for lawyers and notaries in Germany: the Freiberufler free-choice route, the employed threshold and how the professional pension fits.
How health insurance works for people living off rental or investment income in Germany — the status question, how GKV and PKV treat unearned income, and where private cover fits.
How private health insurance suits management consultants and interim professionals — eligibility through high income or self-employment, worldwide cover and income protection.
How health insurance works when you are part-time self-employed alongside a job — the hauptberuflich test that decides your status, and what it means for PKV.
How health insurance works for people living in Germany but employed remotely by a foreign company — the status question, GKV vs PKV, and the employer-of-record wrinkle.
How private health insurance works for pilots and aircrew in Germany — eligibility, the loss-of-licence question, worldwide cover and disclosure of the aeromedical picture.
How company founders should approach private health insurance in the first year — the freedom to choose PKV, the missing employer subsidy, and managing uneven income.
What happens to private health insurance during a sabbatical or period of unpaid leave — continued cover, the loss of the employer subsidy, and cost-management options.
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.