Sarah relocated from London to join a Berlin tech company. Earning above the income threshold (Versicherungspflichtgrenze), she was eligible to opt out of statutory insurance.

“I was paying more for GKV with worse coverage. The switch was straightforward with the right broker.”

Marco moved to Berlin as a self-employed designer. As a freelancer, he had the freedom to choose PKV regardless of income — no threshold requirement applies to the self-employed.

“As a freelancer, I got better rates than I expected. The broker handled everything.”

Priya joined a major Frankfurt bank as a Senior Manager. With her husband and young daughter, finding a plan that worked for the whole family was the top priority.

“The family coverage was our main concern. Our broker found a plan that covers all three of us comprehensively.”

James works as a civil servant (Beamter) in a German state ministry. As a Beamter, he receives Beihilfe — a government aid that covers 50% of his medical expenses.

“With Beihilfe covering half, my PKV costs are surprisingly low for premium coverage.”