Germany has a statutory medical assurance system (GKV). A full private health insurance (PKV) is only available for persons who are not obliged to join the statutory health insurance. But everybody has the chance to get a additional private medical insurance besides the governmental medical assurance. On the market there are many assurance providers offering these supplementary private health insurances. Here you can find a cost-free comparison of insurers and get your personal additional private medical insurance offer: Private Zusatzversicherungen Preisvergleich
A complementary private medical insurance has several benefits:
Every German, who is obliged to join the statutory sickness assurance (GKV), can contract additional private sickness assurance. This applies especially to workers and employees whose incomes are below the GKV insurance limit. The assurance limit is a income of 48,150 Euros per year in 2008. Several companies offer the option of making customization to the tariff of the active agreement. That is very useful when your individual standards change over time. You should always compare different offers before contracting your complementary private sickness insurance offerer. That can be done on web pages like this: preiswerte Zusatzversicherung. People with a supplementary private medical insurance can be treated like private patients. This means that the assurance companies pay items like glasses and contact lenses. Additionally, a patient with a supplementary private health insurance might get a single room in hospital as well as daily compensation payments for the period of illness.
The additional private sickness insurance gives additional advantages to members of the governmental health insurance in Germany. Private medical assurance offerers pay items, which are not paid by the national health assurance. The details are dependent on your personal contract. The monthly charges of the private sickness insurance are only dependent on the personal agreement and are not calculated in accordance to your income. Everybody, who is dissatisfied with the poor performance of the statutory medical assurance, should think about effecting complementary private sickness insurance. So you can get the good feeling to get better treatment and performance in case of an illness. Private patients see the physicians bills and know how much is billed. So you can see how costly the different items are. As a private insured, you can control the medical bills.