{"id":12195,"date":"2021-04-22T11:45:52","date_gmt":"2021-04-22T11:45:52","guid":{"rendered":"https:\/\/www.bramex.de\/?page_id=12195"},"modified":"2026-07-24T08:49:15","modified_gmt":"2026-07-24T07:49:15","slug":"private-health-insurance","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/private-health-insurance\/","title":{"rendered":"Private Health Insurance in Germany (PKV): Is It Right for You?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12195\" class=\"elementor elementor-12195 elementor-11970\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d077bb e-con-full e-flex e-con e-parent\" data-id=\"9d077bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6b871b elementor-widget elementor-widget-html\" data-id=\"e6b871b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style id=\"elementor-post-39734\">.elementor-39734 .elementor-element.elementor-element-315ea22{--display:flex;}<\/style><section class=\"brx-service-hero brx-service-hero--right\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/seguro-privado-en-alemania.png'); background-size:cover; background-position:center;\">\n    <div class=\"brx-service-hero__container\">\n      <div class=\"brx-service-hero__inner\">\n        <div class=\"brx-service-hero__card\">\n          <span class=\"brx-service-hero__eyebrow\">PRIVATE HEALTH INSURANCE \u00b7 PKV \u00b7 GERMANY<\/span>\n          <h1 class=\"brx-service-hero__title\">Private health insurance in Germany (PKV): how it works and when it's worth it<\/h1>\n          <p class=\"brx-service-hero__text\">Private health insurance (Private Krankenversicherung, or PKV) is available if your salary exceeds \u20ac77,400 gross per year, or if you're self-employed or a civil servant. It offers higher coverage, faster appointments and more flexibility than public insurance (GKV).<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\" class=\"brx-btn brx-btn--yellow\">Public vs private calculator<\/a>\n            <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--white\">Request advice<\/a>\n            <a href=\"https:\/\/bramexplus.com\" class=\"brx-btn brx-btn--white\" target=\"_blank\" rel=\"noopener\">Bramex Plus \u00b7 Private insurance<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Clear, free guidance<\/strong> \u00b7 We help you compare and decide with more confidence<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title\">What is private health insurance (PKV) in Germany?<\/h2>\n    <p><strong>Private Krankenversicherung (PKV)<\/strong> is the German private health insurance system, an alternative to public insurance (Gesetzliche Krankenversicherung, or GKV). It works through individual policies with premiums tailored to your age, health status and level of coverage, rather than being calculated as a percentage of your salary.<\/p>\n    <p>Compared with the GKV (which covers around 87% of the German population), the PKV offers broader coverage, free choice of doctors and hospitals, a private room during hospital stays and, in many tariffs, an annual refund if you don't use your benefits. Around <strong>9 million people in Germany have full private health insurance<\/strong>.<\/p>\n    <p>At Bramex we help you analyse your specific situation, compare real costs and make an informed decision. No pressure and no small print.<\/p>\n  <\/div>\n<\/section>\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">When can you take out private health insurance in Germany?<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\">Access to the PKV depends mainly on your income level or your professional situation. It can be taken out by: high-earning employees, self-employed people, civil servants (Beamte) and, in some cases, students and PhD students.<\/p>\n    <div class=\"brx-pkv-threshold\">\n      <div class=\"brx-pkv-threshold__main\">\n        <div class=\"brx-pkv-threshold__amount\">\u20ac6,450<\/div>\n        <div class=\"brx-pkv-threshold__label\">gross monthly salary<\/div>\n        <div class=\"brx-pkv-threshold__or\">equivalent to<\/div>\n        <div class=\"brx-pkv-threshold__year\">\u20ac77,400 per year<\/div>\n      <\/div>\n      <div class=\"brx-pkv-threshold__info\">\n        <h3 class=\"brx-pkv-threshold__info-title\">What you should know about this threshold (2026)<\/h3>\n        <ul class=\"brx-pkv-threshold__list\">\n          <li>All parts of your salary count, not just the base pay. Variable pay, bonuses and allowances also count.<\/li>\n          <li>If you've just arrived in Germany and your salary is above this threshold, you can take out private insurance from day one.<\/li>\n          <li>If you've had public insurance for a while and your salary has risen above this limit, you can also switch.<\/li>\n          <li>If you got a raise that takes you over the threshold mid-year, your total accumulated salary for the full year must exceed \u20ac77,400 gross to switch that same year. Otherwise, the switch applies from 1 January of the following year.<\/li>\n          <li>You must give <strong>2 months' notice<\/strong> to your Krankenkasse before the switch date.<\/li>\n          <li>If you're self-employed or a civil servant, the threshold doesn't apply: you can take out PKV freely.<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">How much does private insurance cost in Germany?<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:32px;\">The cost of the PKV isn't calculated as a percentage of your salary; it depends on four factors: <strong>age when you take it out<\/strong>, <strong>health status<\/strong>, <strong>insurance company<\/strong> and the <strong>level of coverage<\/strong> you choose. These are the indicative market ranges for standard coverage:<\/p>\n    <div class=\"brx-pkv-prices\">\n      <div class=\"brx-pkv-prices__header\">\n        <div class=\"brx-pkv-prices__header-cell\">Profile<\/div>\n        <div class=\"brx-pkv-prices__header-cell\">Indicative monthly range<\/div>\n      <\/div>\n      <div class=\"brx-pkv-prices__row\">\n        <div class=\"brx-pkv-prices__profile\">Employee 25\u201335, healthy<\/div>\n        <div class=\"brx-pkv-prices__amount\">\u20ac250 \u2013 450<\/div>\n      <\/div>\n      <div class=\"brx-pkv-prices__row\">\n        <div class=\"brx-pkv-prices__profile\">Employee 35\u201345<\/div>\n        <div class=\"brx-pkv-prices__amount\">\u20ac400 \u2013 650<\/div>\n      <\/div>\n      <div class=\"brx-pkv-prices__row\">\n        <div class=\"brx-pkv-prices__profile\">Employee 45\u201355<\/div>\n        <div class=\"brx-pkv-prices__amount\">\u20ac550 \u2013 800<\/div>\n      <\/div>\n      <div class=\"brx-pkv-prices__row\">\n        <div class=\"brx-pkv-prices__profile\">Self-employed 30\u201345<\/div>\n        <div class=\"brx-pkv-prices__amount\">\u20ac450 \u2013 800 (no employer contribution)<\/div>\n      <\/div>\n      <div class=\"brx-pkv-prices__row\">\n        <div class=\"brx-pkv-prices__profile\">Premium tariff with extended coverage<\/div>\n        <div class=\"brx-pkv-prices__amount\">\u20ac700 \u2013 1,200+<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"brx-pkv-note\">\n      <p><strong>Employer contribution<\/strong>: if you're an employee, your company covers up to 50% of the PKV cost, capped at \u20ac508.59\/month in 2026. That means your real cost is half the total premium. Since actual prices depend on your case, it's best to request a personalised quote.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Private vs public insurance: key differences<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:40px;\">An honest comparison so you understand what each one offers before you decide.<\/p>\n    <div class=\"brx-pkv-compare\">\n      <div class=\"brx-pkv-compare__header\">\n        <div class=\"brx-pkv-compare__col-label\"><\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--pkv\">\n          <span class=\"brx-pkv-compare__badge\">PKV \u00b7 Private<\/span>\n        <\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--gkv\">\n          <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance\/\" class=\"brx-pkv-compare__badge brx-pkv-compare__badge--gkv\">GKV \u00b7 Public<\/a>\n        <\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Monthly cost<\/div>\n        <div class=\"brx-pkv-compare__col\">Fixed based on age and tariff. Can be lower than public for high salaries.<\/div>\n        <div class=\"brx-pkv-compare__col\">~17.5% of gross salary (14.6% + average Zusatzbeitrag of 2.9%). Rises as your salary rises.<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Waiting times<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Short-notice appointments with specialists<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Longer waiting times<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Doctors and hospitals<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Access to a wider network. Head of department in hospital.<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Standard network. Shared room in hospital.<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Dental coverage<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Much higher coverage for treatments and implants<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Basic, limited coverage<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Hospital room<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Private room<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Standard shared room<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Family<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Each member has their own policy with an additional cost<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Spouse and children co-insured at no extra cost (if they don't work)<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Refund for not claiming<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 If you don't submit claims, you can receive \u20ac200\u20131,000 or more per year<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Not applicable<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Tariff flexibility<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 High flexibility: adapt coverage to your situation<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Standard coverage, the same for everyone<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Private insurance benefits by medical area<\/h2>\n    <div class=\"brx-pkv-areas\">\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83c\udfe5<\/div>\n        <h3 class=\"brx-pkv-area__title\">General practitioner<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Short-notice appointments<\/li>\n          <li>Longer, more personalised consultations<\/li>\n          <li>More preventive check-ups covered<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83d\udd2c<\/div>\n        <h3 class=\"brx-pkv-area__title\">Specialists<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Direct access without long waiting times<\/li>\n          <li>Specialised therapies included<\/li>\n          <li>Good coverage with naturopaths<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83e\uddb7<\/div>\n        <h3 class=\"brx-pkv-area__title\">Dentist<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Much higher coverage for dental treatments<\/li>\n          <li>Implants and crowns with broad coverage<\/li>\n          <li>Dental cleaning included depending on tariff<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83c\udfe8<\/div>\n        <h3 class=\"brx-pkv-area__title\">Hospital<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Private room<\/li>\n          <li>Treated by the head of department<\/li>\n          <li>Access to the most modern treatment technologies<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <div class=\"brx-pkv-body\">\n      <div class=\"brx-pkv-body__img\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/04\/seguro-privado-en-alemania.png\" alt=\"Private health insurance in Germany (PKV)\" loading=\"lazy\">\n      <\/div>\n      <div class=\"brx-pkv-body__content\">\n        <h2 class=\"brx-pkv-body__title\">Insurance tailored to your personal situation<\/h2>\n        <p>Private health insurance in Germany offers a <strong>wide variety of tariffs<\/strong>. You can design a policy that's cheaper than public insurance, or one that offers much broader coverage, depending on what you need.<\/p>\n        <p>This flexibility is one of its biggest advantages: private insurance adapts to you, not the other way around. Before you choose, at Bramex we explain all the available options so you have all the facts and can decide with confidence.<\/p>\n        <a href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\" class=\"brx-btn brx-btn--yellow\" style=\"margin-top:8px;\">See the public vs private calculator<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">PKV for foreigners and expats: what you should know<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:32px;\">If you're coming from outside Germany, access to private insurance has some particularities depending on your profile. These are the most common cases among our clients.<\/p>\n    <div class=\"brx-pkv-profiles\">\n      <div class=\"brx-pkv-profile\">\n        <h3 class=\"brx-pkv-profile__title\">\ud83c\uddea\ud83c\uddfa Workers from the EU \/ EEA \/ Switzerland<\/h3>\n        <p class=\"brx-pkv-profile__text\">You have free access to the German labour market. If your contract exceeds \u20ac77,400 gross per year, you can choose PKV from day one. Below that threshold, GKV is mandatory. EU self-employed people can take out PKV freely with no income requirement.<\/p>\n      <\/div>\n      <div class=\"brx-pkv-profile\">\n        <h3 class=\"brx-pkv-profile__title\">\ud83c\udf0d Workers from outside the EU<\/h3>\n        <p class=\"brx-pkv-profile__text\">You need a valid visa or work permit (\u00a718a\/b, Blue Card, Chancenkarte, etc.). If your contract exceeds the PKV threshold of \u20ac77,400 gross per year, you can take out PKV from day one. The application usually asks for a copy of your work permit and signed contract.<\/p>\n      <\/div>\n      <div class=\"brx-pkv-profile\">\n        <h3 class=\"brx-pkv-profile__title\">\ud83d\udcbb Engineers, IT and highly qualified professionals<\/h3>\n        <p class=\"brx-pkv-profile__text\">This is one of the profiles where PKV is most cost-effective. Above the PKV threshold (\u20ac77,400\/year), private premiums are usually cheaper than the GKV percentage. If you have a Blue Card but are below the PKV threshold, GKV is mandatory until you exceed it.<\/p>\n      <\/div>\n      <div class=\"brx-pkv-profile\">\n        <h3 class=\"brx-pkv-profile__title\">\ud83e\uddd1\u200d\ud83d\udcbc Self-employed and freelancers<\/h3>\n        <p class=\"brx-pkv-profile__text\">You can take out PKV freely, regardless of your income, whether you come from the EU or outside it (with a valid residence permit). It's very common among the self-employed because voluntary GKV usually has high premiums. See <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-freelancers-germany\/\">health insurance for freelancers<\/a>.<\/p>\n      <\/div>\n      <div class=\"brx-pkv-profile\">\n        <h3 class=\"brx-pkv-profile__title\">\ud83c\udf93 Students and PhD students<\/h3>\n        <p class=\"brx-pkv-profile__text\">Up to age 30 you can access special tariffs. For those over 30 or certain profiles, there are specific private policies. This applies to both EU and non-EU students with a student visa. See <a href=\"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/\">health insurance for university students<\/a>.<\/p>\n      <\/div>\n      <div class=\"brx-pkv-profile\">\n        <h3 class=\"brx-pkv-profile__title\">\ud83d\udc68\u200d\u2695\ufe0f Doctors and healthcare professionals<\/h3>\n        <p class=\"brx-pkv-profile__text\">The traditional PKV profile in Germany. Competitive tariffs and broad coverage tailored to the profession and its specific health risks.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <div class=\"brx-pkv-premium\">\n      <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2026\/05\/Captura-de-pantalla-2026-05-01-a-las-12.23.53.png\" alt=\"Bramex Plus\" class=\"brx-pkv-premium__logo\">\n      <h2 class=\"brx-pkv-premium__title\">Looking for a premium PKV with specialised advice?<\/h2>\n      <p class=\"brx-pkv-premium__text\">If your salary comfortably exceeds the threshold, you're self-employed with a high income, or your professional profile fits premium tariffs (Blue Card, senior engineers, doctors, executives), we recommend taking a look at <strong>Bramex Plus<\/strong>, our specialised offering for high-end private health insurance.<\/p>\n      <a href=\"https:\/\/bramexplus.com\" class=\"brx-btn brx-btn--navy\" target=\"_blank\" rel=\"noopener\">Discover Bramex Plus<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Frequently asked questions about private health insurance<\/h2>\n    <div class=\"brx-gkv-faq\">\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">How much does private health insurance cost in Germany?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>The cost varies depending on age, health status, company and level of coverage. As a guide, an employee aged 25\u201335 would pay between \u20ac250\u2013450\/month; aged 35\u201345, \u20ac400\u2013650\/month; and aged 45\u201355, \u20ac550\u2013800\/month. If you're an employee, your company covers up to 50% of the cost (capped at \u20ac508.59\/month in 2026), so your real cost is half.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">I've had a pay rise. I now earn more than \u20ac6,450 gross per month. Can I switch to private insurance now?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>In principle yes, but bear in mind that your total accumulated salary over the whole year (your previous salary plus the new one) must exceed \u20ac77,400 gross per year. If that's not the case, you'll have to wait until the following year and the switch will apply from 1 January. Remember you must also give <strong>2 months' notice<\/strong> to your Krankenkasse before the date you want to switch.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Is private insurance cheaper than public insurance?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>It can be, depending on three key factors: your <strong>age<\/strong> at the time of switching, the <strong>company and tariff<\/strong> you choose, and your current <strong>health status<\/strong>. For high salaries, private insurance is usually cheaper than public, which is calculated as ~17.5% of your salary. In our <a href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\">calculator<\/a> you can see how much you'd save in your case.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">What specific advantages does private insurance have over public?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>The main ones are: much higher dental coverage, access to more doctors and hospitals with shorter waiting times, hospital care in a private room by the head of department, and the option to include treatments the public system doesn't cover, such as certain fertility treatments. Before you sign up, we explain in detail what each tariff covers.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Is there private insurance for foreigners in Germany?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Yes. The PKV is available to foreigners on the same terms as for Germans: by exceeding the salary threshold of \u20ac77,400 per year, being self-employed, a civil servant or a student in specific cases. There's no restriction by nationality. If you come from outside the EU, you need a valid work or residence permit to access the system.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Do I get money back if I don't use the insurance and don't submit claims?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>It depends on the company and the chosen tariff. In many cases, if you don't submit claims during the year, you receive a refund that can range <strong>from \u20ac200 to \u20ac1,000 or more<\/strong> per year. It's one of the exclusive advantages of private insurance.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Are there different tariffs within private health insurance?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Yes. At Bramex we've analysed the private health insurance market in Germany and selected the best options, grouping them into four tariffs by level of coverage: <strong>BASIC<\/strong>, <strong>SMART<\/strong>, <strong>PRO<\/strong> and <strong>MAS<\/strong>. Each is designed for a different profile, from the most essential to the most complete. Discover the details at <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\">Bramex Plus<\/a>.<\/p>\n        <\/div>\n      <\/details>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Want to know how much your private insurance would cost?<\/h2>\n      <p class=\"brx-mini-cta__text\">Check our public vs private insurance calculator and see in seconds how much you'd pay and how much you could save based on your salary and situation.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\" class=\"brx-btn brx-btn--navy\">Go to the calculator<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"39734\" class=\"elementor elementor-39734 elementor-39731 elementor-39731\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-315ea22 e-flex e-con-boxed e-con e-parent\" data-id=\"315ea22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb26d8c elementor-widget elementor-widget-html\" data-id=\"fb26d8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ============ BLOQUE RESE\u00d1AS \u00b7 BRAMEX \u00b7 EN ============ -->\n<section class=\"brx-rev\">\n  <div class=\"brx-rev__wrap\">\n\n    <p class=\"brx-rev__eyebrow\">Reviews<\/p>\n    <h2 class=\"brx-rev__title\">What our clients say<\/h2>\n\n    <div class=\"brx-rev__panel\">\n      <span class=\"brx-rev__score\">4.9<\/span>\n      <span class=\"brx-rev__panelblock\">\n        <span class=\"brx-rev__pstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <span class=\"brx-rev__plabel\">Average rating from our clients on Google<\/span>\n      <\/span>\n    <\/div>\n\n    <div class=\"brx-rev__grid\">\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"Excellent service. Super fast, super friendly, and they genuinely care about your situation. More than grateful.\"<\/p>\n        <p class=\"brx-rev__author\">Ailin Chionda<\/p>\n      <\/div>\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"A relative of mine needed health insurance in Germany. Bramex helped me kindly and advised me on how to proceed. I appreciate and recommend their services.\"<\/p>\n        <p class=\"brx-rev__author\">Javier D\u00edaz<\/p>\n      <\/div>\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"Professional, attentive and human. They are advising me perfectly on every detail when choosing a health insurance. A service I'd 100% recommend.\"<\/p>\n        <p class=\"brx-rev__author\">Luis de la Hoz<\/p>\n      <\/div>\n\n    <\/div>\n\n    <p class=\"brx-rev__note\">Some reviews have been automatically translated.<\/p>\n\n    <div class=\"brx-rev__google\">\n      <span class=\"brx-rev__gstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n      <span class=\"brx-rev__glogo\">\n        <span style=\"color:#4285F4\">G<\/span><span style=\"color:#EA4335\">o<\/span><span style=\"color:#FBBC05\">o<\/span><span style=\"color:#4285F4\">g<\/span><span style=\"color:#34A853\">l<\/span><span style=\"color:#EA4335\">e<\/span>\n      <\/span>\n    <\/div>\n\n    <div class=\"brx-rev__ctawrap\">\n      <a class=\"brx-rev__cta\"\n         href=\"https:\/\/www.google.com\/maps\/place\/Bramex\/@48.7814174,9.1804099,17z\/data=!4m7!3m6!1s0x4799c6bf4d4b6a99:0x13e788db2f7576b4!8m2!3d48.7814174!4d9.1804099!9m1!1b1\"\n         target=\"_blank\" rel=\"noopener\">Read the reviews on Google<\/a>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<style>\n.brx-rev{font-family:'Poppins',Arial,sans-serif;background:#f7f8fb;border-radius:18px;padding:48px 20px;margin:32px 0;}\n.brx-rev__wrap{max-width:1100px;margin:0 auto;text-align:center;}\n.brx-rev__eyebrow{color:#595757;font-size:13px;font-weight:600;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;}\n.brx-rev__title{color:#1c244b;font-size:32px;line-height:1.2;font-weight:700;margin:0 0 28px;}\n.brx-rev__panel{display:inline-flex;align-items:center;gap:16px;background:#1c244b;border-radius:14px;padding:16px 26px;margin:0 0 36px;text-align:left;}\n.brx-rev__score{font-size:40px;line-height:1;font-weight:700;color:#ffffff;}\n.brx-rev__panelblock{display:flex;flex-direction:column;gap:4px;}\n.brx-rev__pstars{color:#ffb905;font-size:20px;letter-spacing:2px;}\n.brx-rev__plabel{color:#e7e9f2;font-size:13px;font-weight:400;}\n.brx-rev__grid{display:flex;gap:22px;flex-wrap:wrap;justify-content:center;}\n.brx-rev__card{flex:1 1 280px;max-width:340px;background:#ffffff;border:1px solid #eceef4;border-radius:14px;padding:24px 22px;text-align:left;box-shadow:0 6px 18px rgba(28,36,75,.06);}\n.brx-rev__cstars{color:#ffb905;font-size:18px;letter-spacing:2px;}\n.brx-rev__quote{color:#3a3a3a;font-size:15px;line-height:1.55;margin:12px 0 16px;}\n.brx-rev__author{color:#1c244b;font-size:15px;font-weight:600;margin:0;}\n.brx-rev__note{color:#8a8a8a;font-size:12px;font-style:italic;margin:22px 0 0;}\n.brx-rev__google{display:flex;flex-direction:column;align-items:center;gap:2px;margin:34px 0 4px;}\n.brx-rev__gstars{color:#1c244b;font-size:22px;letter-spacing:3px;}\n.brx-rev__glogo{font-size:34px;font-weight:600;font-family:Arial,sans-serif;}\n.brx-rev__ctawrap{margin-top:22px;}\n.brx-rev__cta{display:inline-block;background:#1c244b;color:#ffffff;font-size:15px;font-weight:600;text-decoration:none;padding:13px 28px;border-radius:9px;transition:transform .15s ease,box-shadow .15s ease;}\n.brx-rev__cta:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(28,36,75,.25);}\n@media(max-width:700px){.brx-rev__title{font-size:26px;}.brx-rev__panel{flex-direction:column;gap:8px;text-align:center;}.brx-rev__card{flex:1 1 100%;max-width:100%;}}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Other related services<\/h2>\n    <div class=\"brx-pkv-services\">\n      <div class=\"brx-pkv-service\">\n        <div class=\"brx-pkv-service__icon\">\ud83d\udee1\ufe0f<\/div>\n        <h3 class=\"brx-pkv-service__title\">Already have private insurance and need assistance?<\/h3>\n        <p class=\"brx-pkv-service__text\">Whoever you took out your private insurance with, we offer support and assistance. Free and in your language.<\/p>\n        <a href=\"https:\/\/www.bramex.de\/en\/private-health-insurance-assistance-germany\/\" class=\"brx-btn brx-btn--navy\">More about assistance<\/a>\n      <\/div>\n      <div class=\"brx-pkv-service\">\n        <div class=\"brx-pkv-service__icon\">\ud83e\uddee<\/div>\n        <h3 class=\"brx-pkv-service__title\">Compare GKV vs PKV in seconds<\/h3>\n        <p class=\"brx-pkv-service__text\">Use our calculator and find out exactly how much you'd pay in each system based on your salary, age and professional situation. Instant result.<\/p>\n        <a href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\" class=\"brx-btn brx-btn--navy\">Go to the GKV vs PKV calculator<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Ready to take the step to private insurance?<\/h2>\n      <p class=\"brx-mini-cta__text\">Tell us your situation and we'll work out the options available for you. We'll send you information and real offers based on your case, with no commitment and completely free.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--navy\">Request free information<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<style>\n\/* === ESTILOS BASE === *\/\n.brx-pkv-threshold{display:grid;grid-template-columns:280px 1fr;gap:40px;align-items:center;margin-top:40px;padding:40px;background:#1c244b;border-radius:24px;}\n.brx-pkv-threshold__main{text-align:center;}\n.brx-pkv-threshold__amount{font-size:52px;font-weight:700;color:#ffb905;line-height:1;}\n.brx-pkv-threshold__label{font-size:15px;color:rgba(255,255,255,0.75);margin-top:6px;}\n.brx-pkv-threshold__or{font-size:13px;color:rgba(255,255,255,0.5);margin:12px 0 6px;}\n.brx-pkv-threshold__year{font-size:24px;font-weight:600;color:#ffffff;}\n.brx-pkv-threshold__info-title{font-size:18px;font-weight:700;color:#ffffff;margin:0 0 16px 0;}\n.brx-pkv-threshold__list{margin:0;padding:0 0 0 20px;}\n.brx-pkv-threshold__list li{font-size:15px;line-height:1.6;color:rgba(255,255,255,0.85);margin-bottom:10px;}\n.brx-pkv-compare{border-radius:20px;overflow:hidden;border:1px solid #e0e4f0;margin-top:0;}\n.brx-pkv-compare__header{display:grid;grid-template-columns:1.2fr 1fr 1fr;background:#1c244b;}\n.brx-pkv-compare__col-label{padding:16px 20px;}\n.brx-pkv-compare__col{padding:16px 20px;text-align:center;}\n.brx-pkv-compare__badge{display:inline-block;padding:8px 16px;border-radius:999px;background:#ffb905;color:#1c244b;font-size:14px;font-weight:700;text-decoration:none;transition:opacity .2s;}\n.brx-pkv-compare__badge--gkv{background:rgba(255,255,255,0.15);color:#ffffff;}\na.brx-pkv-compare__badge:hover{opacity:.85;}\n.brx-pkv-compare__row{display:grid;grid-template-columns:1.2fr 1fr 1fr;border-top:1px solid #e0e4f0;}\n.brx-pkv-compare__row:nth-child(even){background:#f7f8fb;}\n.brx-pkv-compare__col-label{padding:16px 20px;font-size:14px;font-weight:600;color:#1c244b;display:flex;align-items:center;}\n.brx-pkv-compare__col{padding:16px 20px;font-size:14px;line-height:1.5;color:#595757;display:flex;align-items:center;}\n.brx-pkv-compare__col--good{color:#1c244b;font-weight:500;}\n.brx-pkv-compare__col--neutral{color:#686766;}\n.brx-pkv-areas{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:40px;}\n.brx-pkv-area{padding:28px 24px;background:#ffffff;border-radius:18px;box-shadow:0 4px 16px rgba(0,0,0,0.05);}\n.brx-pkv-area__icon{font-size:32px;margin-bottom:14px;display:block;}\n.brx-pkv-area__title{font-size:17px;font-weight:700;color:#1c244b;margin:0 0 12px 0;}\n.brx-pkv-area__list{margin:0;padding:0 0 0 18px;}\n.brx-pkv-area__list li{font-size:14px;line-height:1.6;color:#595757;margin-bottom:6px;}\n.brx-pkv-body{display:grid;grid-template-columns:1fr 1.4fr;gap:48px;align-items:center;}\n.brx-pkv-body__img img{width:100%;border-radius:20px;}\n.brx-pkv-body__title{font-size:26px;font-weight:700;color:#1c244b;margin:0 0 16px 0;line-height:1.2;}\n.brx-pkv-services{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:40px;}\n.brx-pkv-service{padding:36px;background:#ffffff;border-radius:20px;box-shadow:0 4px 16px rgba(0,0,0,0.05);display:flex;flex-direction:column;gap:14px;}\n.brx-pkv-service__icon{font-size:36px;}\n.brx-pkv-service__title{font-size:20px;font-weight:700;color:#1c244b;margin:0;line-height:1.2;}\n.brx-pkv-service__text{font-size:15px;line-height:1.7;color:#595757;margin:0;flex:1;}\n.brx-gkv-faq{max-width:860px;margin:40px auto 0 auto;display:grid;gap:12px;}\n.brx-gkv-faq__item{border:1px solid #e0e4f0;border-radius:14px;background:#ffffff;overflow:hidden;}\n.brx-gkv-faq__question{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;font-size:16px;font-weight:600;color:#1c244b;cursor:pointer;list-style:none;font-family:\"Poppins\",sans-serif;}\n.brx-gkv-faq__question::-webkit-details-marker{display:none;}\n.brx-gkv-faq__question::after{content:\"\uff0b\";font-size:20px;font-weight:400;color:#ffb905;min-width:24px;text-align:right;}\n.brx-gkv-faq__item[open] .brx-gkv-faq__question::after{content:\"\u2212\";}\n.brx-gkv-faq__answer{padding:0 24px 20px 24px;font-size:15px;line-height:1.7;color:#595757;}\n.brx-gkv-faq__answer p{margin:0 0 12px 0;}\n.brx-gkv-faq__answer a{color:#1c244b;font-weight:600;text-decoration:underline;}\n\/* === COMPONENTES === *\/\n.brx-pkv-prices{border-radius:20px;overflow:hidden;border:1px solid #e0e4f0;margin-top:0;}\n.brx-pkv-prices__header{display:grid;grid-template-columns:1.4fr 1fr;background:#1c244b;}\n.brx-pkv-prices__header-cell{padding:16px 20px;font-size:14px;font-weight:700;color:#ffffff;}\n.brx-pkv-prices__row{display:grid;grid-template-columns:1.4fr 1fr;border-top:1px solid #e0e4f0;}\n.brx-pkv-prices__row:nth-child(even){background:#f7f8fb;}\n.brx-pkv-prices__profile{padding:16px 20px;font-size:14px;font-weight:600;color:#1c244b;display:flex;align-items:center;}\n.brx-pkv-prices__amount{padding:16px 20px;font-size:14px;color:#595757;display:flex;align-items:center;}\n.brx-pkv-note{margin-top:24px;padding:20px 24px;background:#ffffff;border-left:4px solid #1c244b;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.04);}\n.brx-pkv-note p{margin:0;font-size:14px;line-height:1.7;color:#595757;}\n.brx-pkv-profiles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:0;}\n.brx-pkv-profile{padding:24px 22px;background:#ffffff;border-radius:18px;box-shadow:0 4px 16px rgba(0,0,0,0.05);border-left:4px solid #ffb905;}\n.brx-pkv-profile__title{font-size:16px;font-weight:700;color:#1c244b;margin:0 0 10px 0;line-height:1.3;}\n.brx-pkv-profile__text{font-size:14px;line-height:1.7;color:#595757;margin:0;}\n.brx-pkv-profile__text a{color:#1c244b;font-weight:600;text-decoration:underline;}\n.brx-pkv-premium{padding:48px 40px;background:#ffffff;border:2px solid #1c244b;border-radius:24px;text-align:center;box-shadow:0 4px 20px rgba(0,0,0,0.06);}\n.brx-pkv-premium__logo{max-width:200px;height:auto;margin:0 auto 20px;display:block;}\n.brx-pkv-premium__title{font-size:24px;font-weight:700;color:#1c244b;margin:0 0 14px 0;line-height:1.2;}\n.brx-pkv-premium__text{font-size:15px;line-height:1.7;color:#595757;max-width:680px;margin:0 auto 24px;}\n.brx-mini-cta{max-width:820px;margin:0 auto;padding:32px 0;text-align:center;}\n.brx-mini-cta__title{margin:0 0 18px 0;font-size:30px;line-height:1.25;color:#1c244b;}\n.brx-mini-cta__text{margin:0 0 28px 0;font-size:17px;line-height:1.7;color:#595757;}\n.brx-mini-cta__actions{margin-top:10px;}\n\/* === RESPONSIVE === *\/\n@media (max-width:1024px){\n  .brx-pkv-threshold{grid-template-columns:1fr;gap:28px;text-align:center;}\n  .brx-pkv-threshold__list{text-align:left;}\n  .brx-pkv-areas{grid-template-columns:repeat(2,1fr);}\n  .brx-pkv-body{grid-template-columns:1fr;gap:28px;}\n  .brx-pkv-compare__header{grid-template-columns:1fr 1fr 1fr;}\n  .brx-pkv-compare__row{grid-template-columns:1fr 1fr 1fr;}\n  .brx-pkv-profiles{grid-template-columns:repeat(2,1fr);}\n  .brx-pkv-services{grid-template-columns:1fr;}\n}\n@media (max-width:767px){\n  .brx-pkv-threshold{padding:28px 20px;}\n  .brx-pkv-threshold__amount{font-size:40px;}\n  .brx-pkv-areas{grid-template-columns:1fr;}\n  .brx-pkv-services{grid-template-columns:1fr;}\n  .brx-pkv-compare{overflow-x:auto;}\n  .brx-pkv-compare__header,.brx-pkv-compare__row{min-width:560px;}\n  .brx-gkv-faq__question{font-size:15px;padding:16px 18px;}\n  .brx-gkv-faq__answer{padding:0 18px 16px 18px;}\n  .brx-pkv-prices{overflow-x:auto;}\n  .brx-pkv-prices__header,.brx-pkv-prices__row{min-width:480px;}\n  .brx-pkv-profiles{grid-template-columns:1fr;}\n  .brx-pkv-premium{padding:32px 24px;}\n  .brx-pkv-premium__title{font-size:20px;}\n  .brx-mini-cta__title{font-size:24px;}\n  .brx-mini-cta__text{font-size:16px;}\n}\n<\/style>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much does private health insurance cost in Germany?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The cost varies depending on age, health status, company and level of coverage. As a guide, an employee aged 25\u201335 would pay between \u20ac250\u2013450\/month; aged 35\u201345, \u20ac400\u2013650\/month; aged 45\u201355, \u20ac550\u2013800\/month. If you're an employee, your company covers up to 50% of the cost (capped at \u20ac508.59\/month in 2026).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"When can I switch to private insurance in Germany?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can switch when your gross salary exceeds \u20ac77,400 per year (\u20ac6,450\/month) in 2026. Your accumulated salary for the full year must exceed that threshold. You must give 2 months' notice to your Krankenkasse before the switch.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is private insurance cheaper than public insurance in Germany?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It can be, depending on your age when switching, the tariff you choose and your health status. For high salaries, PKV is usually cheaper than GKV, which is calculated as approximately 17.5% of gross salary (14.6% plus the average Zusatzbeitrag of 2.9%).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What advantages does PKV have over GKV?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Much higher dental coverage, access to more doctors and hospitals with shorter waiting times, a private hospital room with care from the head of department, and the option to include treatments the public system doesn't cover, such as certain fertility treatments.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is there private insurance for foreigners in Germany?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. The PKV is available to foreigners on the same terms as for Germans: by exceeding the salary threshold of \u20ac77,400 per year, being self-employed, a civil servant or a student in some cases. There is no restriction by nationality.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are there different tariffs within private health insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. At Bramex we've selected the best options on the market and grouped them into four tariffs by level of coverage: BASIC, SMART, PRO and MAS. Each is designed for a different profile, from the most essential to the most complete.\"\n      }\n    }\n  ]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PRIVATE HEALTH INSURANCE \u00b7 PKV \u00b7 GERMANY Private health insurance in Germany (PKV): how it works and when it&#8217;s worth it Private health insurance (Private Krankenversicherung, or PKV) is available if your salary exceeds \u20ac77,400 gross per year, or if you&#8217;re self-employed or a civil servant. It offers higher coverage, faster appointments and more flexibility &#8230; <a title=\"Private Health Insurance in Germany (PKV): Is It Right for You?\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/private-health-insurance\/\" aria-label=\"Read more about Private Health Insurance in Germany (PKV): Is It Right for You?\">Read more<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12195","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Private Health Insurance in Germany (PKV): Is It Right for You?<\/title>\n<meta name=\"description\" content=\"Learn how to secure private health insurance in Germany, find your suitable rate, and discover the benefits of this insurance.\" \/>\n<meta name=\"robots\" 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