PKV Comparison – Factors to Consider Before Choosing a Health Insurance Policy

Choosing the right health insurance policy is an important decision, as it can have a big impact on both your health and your finances. PKV (Private Krankenversicherung) policies are popular in Germany, offering broader coverage and flexible options compared to the standard statutory health insurance. However, with so many options available, choosing the best pkv comparison (pkv vergleichcan be overwhelming. In this article, we will discuss the factors to consider when comparing PKV policies to help you make an informed decision.

Coverage and Benefits: The first and foremost factor to consider is the coverage and benefits offered by the policy. Before choosing a PKV policy, compare the coverage and benefits with your current or previous health insurance policy. Check if the policy covers the services you require, such as hospitalization, diagnostic tests, outpatient care, prescription drugs, and preventive care. Additionally, check if the policy offers any additional benefits, such as dental care, vision care, and alternative therapies. Be aware that some policies may offer limited coverage or only cover specific treatments.

Premiums and Deductibles: The premiums and deductibles of a PKV policy can vary widely depending on your age, health condition, and personal preferences. Generally, the younger and healthier you are, the lower your premiums and deductibles will be. However, keep in mind that low premiums may have high deductibles or limited coverage, and vice versa. Compare the premiums and deductibles of different policies to find the one that best fits your budget and needs.

Exclusions and Limitations: Every PKV policy has its own exclusions and limitations, which refers to conditions and treatments that are not covered by the policy or have limited coverage. Common exclusions include pre-existing conditions, cosmetic surgery, fertility treatments, and experimental treatments. Understanding the exclusions and limitations is crucial to avoid unexpected costs and ensure you get the treatment you need.

Network of Providers: The network of providers refers to the hospitals, clinics, and doctors that are affiliated with the PKV company. Some policies require you to choose providers within their network, while others allow you to choose any provider. Check if the policy’s network of providers includes the hospitals and clinics you prefer to use and if the policy covers the treatments provided by your preferred doctors.

Customer Service and Reputation: Lastly, consider the PKV company’s customer service and reputation. Look for online reviews and ratings to see how satisfied the policyholders are with the company’s services, claims process, and responsiveness. Additionally, check if the company provides assistance in English or your preferred language, especially if you are an expat living in Germany.


Choosing the right PKV policy requires careful consideration and research. Consider the coverage and benefits, premiums and deductibles, exclusions and limitations, network of providers, and customer service and reputation when comparing different policies. Keep in mind that the cheapest policy may not always be the best choice, and that the quality of the customer service and claims process is just as important as the coverage and benefits. By taking the time to compare and evaluate the different PKV policies, you can find the one that best fits your healthcare needs and budget.