Do you have a pre-existing condition?

If you have a pre-existing condition, PKV insurers are likely to charge you a surcharge or decline your application altogether. Common examples include asthma, a high BMI, Hashimoto's disease, drug allergies, diabetes, a history of kidney stones, elevated uric acid, migraine, psoriasis, and past psychological or psychiatric treatment. Most PKV insurers require a health check before accepting you, and the surcharge can be anywhere between 5 and 30% depending on the condition. GKV providers don't impose similar restrictions.

If you have a pre-existing condition and still want PKV cover, we recommend working with a licensed insurance intermediary. They can tell you whether you can be insured in PKV at all, and can request anonymous quotes on your behalf, known in German as a Risikovoranfrage. That matters, because a rejection from one insurer can make it harder to get cover from another. Asking anonymously keeps your options open.

Not sure whether PKV is realistic in your situation? Our free assessment takes about five minutes.