Germany has a statutory health insurance system (GKV). A full private health insurance (PKV) is only available for persons who are not obliged to be members of the statutory health insurance. But everybody has the opportunity to contract supplementary private health insurance besides the statutory health insurance. On the market there are several insurers offering these supplementary private health insurances. Here you can find a cost-free comparison of insurers and get your personal supplementary private health insurance offer: Zahnzusatzversicherung. A supplementary private health insurance has several advantages:

People with a supplementary private health insurance can be treated like private patients. This means that the insurers pay items like glasses and contact lenses. In addition, a patient with a supplementary private health insurance might get a single room in hospital as well as daily compensation payments for the time of sickness. The monthly costs of the private health insurance are only dependent on the personal contract and are not calculated in accordance to your salary. Everybody, who is not happy with the low performance of the statutory health insurance, should think about buying supplementary private health insurance.

So they can get the comfortable feeling to be provided with better treatment and performance in case of sickness. Patients should always ask for several offers before contracting your supplementary private health insurance company. That can be done on the Internet: Krankenzusatzversicherung. Every German, who is obliged to be a member of the statutory health insurance (GKV), can join the supplementary private health insurance. This applies especially to workers and employees whose earnings are below the GKV insurance limit. The insurance limit is a salary of 4,012.50 Euros per month in 2008.

The supplementary private health insurance gives additional advantages to members of the statutory health insurance in Germany. Private health insurers pay items, which are not paid by the statutory health insurance. The details are dependent on your personal contract. Private patients see the doctors checks and know how much is charged. So you can see how costly the different items are. As a private insured, you can control the medical checks. Numerous companies offer the option of making customization to the tariff of the active contract. That is very useful when your individual needs change over time.

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