Test Reports of Health Insurers: Fine differences have a great impactĪbout ninety percent of all German residents are covered by public health insurance. These reviews of private insurers can be read on the KKZ-Website (PKV-News) and their premium schedule can be reviewed based on individual circumstances. These address topics such as service, quality of product and value-for-money evaluations. The Krankenkassen-Zentrale offers regular analyses of actual test reports of well-known institutions in the private insurance field. Privately insured people enjoy broader benefits, which have significant, personally tailored provisions than those available to publicly insured persons. While self-employed individuals, civil servants, freelancers and students can be covered under the provisions of private health insurances, employees must have an annual gross income above a "mandatory insurance limit" to be eligible for private health insurance coverage. Private health insurance: Comparing Test Reports and Finding the Right "Winner" for You These include, among other things, a detailed description of the German health system in 40 languages The Krankenkassen-Zentrale offers, in addition to numerous checklists, FAQ's and video insights into the current daily topics. This is especially true for newcomers just entering the system. Whoever wishes to get an overview of the health industry needs a lot of patience. It is multi-facetted and often difficult to penetrate given the number and scope of insurance possibilities with all their benefit and payments running in the billions its multi-level structures, numerous reforms and premium increases are deliberated and debated in the media daily. The dual system of health insurance programs in Germany is unique - and is extremely complicated.
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