1. Acceptance of Terms
By accessing and using germanprivatehealthinsurance.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Website.
These Terms apply to all visitors, users, and others who access or use the Website. We reserve the right to modify these Terms at any time. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
2. About Our Services
German Private Health Insurance ("GPHI", "we", "us") operates as an independent insurance brokerage service (Versicherungsmakler) providing information, guidance, and broker advisory services on German private health insurance (PKV — Private Krankenversicherung).
Our services include:
- Free educational content about PKV, eligibility, costs, and providers
- Independent broker advice and personalised quote requests
- PKV premium estimation tools and provider comparison information
Our advisory services are free to you. We are compensated by commission paid by the insurer only in the event that you take out a policy through us. Commission rates are standardised and do not create a financial incentive to recommend one provider over another.
3. Not Regulated Financial Advice
The information on this Website is provided for general educational and informational purposes only. It does not constitute regulated financial advice, legal advice, or tax advice. While we take care to ensure accuracy, the insurance market, regulations, and individual circumstances change frequently.
Before making any insurance decision:
- Consult with a licensed independent broker or advisor
- Verify current information directly with the relevant insurer
- Consider seeking independent legal or financial advice where appropriate
GPHI accepts no liability for decisions made on the basis of general website content alone.
4. Accuracy of Information
We strive to keep all information on this Website accurate and up to date. However, we make no warranty, express or implied, regarding the completeness, accuracy, reliability, or suitability of any information for any purpose.
Premium figures, income thresholds, provider ratings, and policyholder statistics are provided as approximate guidance only. Current and binding information must always be confirmed with the relevant insurer or through a formal broker consultation.
5. Use of the Website
You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:
- Submit false, misleading, or fraudulent information through any form on this Website
- Attempt to gain unauthorised access to any part of the Website or its servers
- Use automated tools (bots, scrapers, crawlers) to extract data from this Website without express written permission
- Use this Website in any way that could damage, disable, or impair its operation
- Attempt to reverse-engineer or copy any part of this Website's content or tools for commercial purposes
6. Intellectual Property
All content on this Website — including text, graphics, logos, tools, calculators, and the compilation thereof — is the property of German Private Health Insurance and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or commercially exploit any content without our express written consent.
You may share links to this Website and quote short excerpts for non-commercial, informational purposes, provided proper attribution is given.
7. Third-Party Links
This Website may contain links to third-party websites, including insurance provider websites, regulatory bodies, and informational resources. These links are provided for convenience only. We have no control over the content of external websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
8. PKV Quote Request and Broker Service
When you submit a quote request through this Website:
- You authorise GPHI to act as your insurance broker in obtaining indicative PKV quotes from relevant providers
- You confirm that all information provided is accurate and complete to the best of your knowledge
- You understand that submitting a quote request does not create a binding insurance contract or commitment
- You understand that actual premiums and terms will be confirmed by the insurer upon formal application
- You consent to GPHI sharing your data with insurers as necessary to obtain quotes, in accordance with our Privacy Policy
Knowingly providing false health information on an insurance application may result in policy invalidity or claim denial. We strongly advise full and accurate disclosure.
9. Limitation of Liability
To the fullest extent permitted by applicable law, German Private Health Insurance shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages arising from use of this Website
- Any loss of data, revenue, profits, or business arising from Website use or reliance on Website content
- Any decisions made regarding insurance coverage based on information obtained from this Website
- Any actions or omissions by third-party insurers, including denial of coverage, premium increases, or claims disputes
Our total liability for any claim arising out of or relating to these Terms or your use of this Website shall not exceed €500.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.
10. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany. Any disputes arising from or relating to these Terms or the use of this Website shall be subject to the exclusive jurisdiction of the courts of Munich, Germany, unless mandatory consumer protection law in your country of residence provides otherwise.
For consumers in the EU, the European Commission's Online Dispute Resolution (ODR) platform is available at ec.europa.eu/consumers/odr. We are not obligated to participate in ODR proceedings but will endeavour to resolve disputes amicably.
11. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the original intention.
12. Entire Agreement
These Terms, together with our Privacy Policy and Impressum, constitute the entire agreement between you and German Private Health Insurance regarding your use of this Website.
13. Contact
Questions about these Terms should be directed to:
German Private Health Insurance
Munich, Germany
Email: info@germanprivatehealthinsurance.com
Phone: +49 176 8723 9846