Continentale

Overview

Continentale is a Dortmund-based mutual insurer known for offering some of the most competitive private health insurance premiums in Germany. As a mutual company, Continentale reinvests profits for the benefit of policyholders, which contributes to competitive pricing. For young professionals switching to PKV for the first time, Continentale's entry-level tariffs offer a low barrier while still providing solid basic coverage. The insurer is a good starting point for those who want to experience PKV without committing to premium-level premiums.

Pros & Cons

Coverage Highlights

• Affordable entry-level tariffs with core coverage
• Hospital coverage with two-bed room in standard tariff
• Dental coverage with reasonable reimbursement rates
• Outpatient care with standard specialist access
• Preventive care and vaccination coverage
• Optional add-ons for enhanced coverage areas

Tariffs & Pricing

Continentale's pricing strategy focuses on affordability. Their COMFORT and PREMIUM tariff lines offer good coverage at competitive prices. Entry-level tariffs start lower than most competitors, making Continentale attractive for budget-conscious first-time PKV switchers. However, the premium-tier tariffs are less comprehensive than those of larger competitors, so if you want top-end coverage, you may need to look elsewhere.

Claims Process

Claims are processed reliably with average turnaround times of 7-10 business days. Digital claims submission is available through their app. The process is straightforward for standard claims. Continentale's claims handling is fair, though customer service touchpoints are fewer than with larger insurers.

For Expats