PKV advice in Münster and throughout Germany
Private health insurance That fits your life
For employees, self-employed people and civil servants.Together, we’ll explore whether private health insurance suits your circumstances.
Personal advice
without obligation
Anonymous preliminary risk assessment
with several insurers
Personal support
in Münster and across Germany
Who is PKV of interest to?
Different paths in lifeIndividual solutions
Whether employed, self-employed or a civil servant – together we find out whether private health insurance fits your current situation and your plans for the future.
Civil servants (Beamte)
PKV combined with government assistance with healthcare costs (Beihilfe).
Learn more about Civil servants (Beamte)
How the consultation works
Check first. Then decide
- 01
Short conversation
By phone, video call or in person, we discuss your situation and goals.
- 02
Anonymous preliminary risk assessment
With your consent, we make enquiries with several insurers.
- 03
Comparing results
We compare tariffs and benefits based on your situation.
- 04
Deciding together
Calmly and without pressure.
Health history?
This does not have to bean exclusion criterion
We carry out an anonymous preliminary risk assessment with suitable insurers – before an official application is submitted. This way you find out how your information is likely to be assessed, without it already counting as an application.
About the risk assessment
PKV or GKV?
What are the most importantdifferences?
| Criterion | GKV | PKV |
|---|---|---|
| Contribution | depends on income | by tariff / risk |
| Benefits | regulated by law | agreed by contract |
| Family | family insurance possible | each person has their own contract |
| Flexibility | uniform framework | individually configurable |
PKV is not automatically better.
What matters is which system fits your life situation.
Your contact person
Personal. Experienced. At your side
I am Andreas Tonn, an insurance agent working with multiple insurers, with a focus on private health insurance. My aim is to find a suitable solution for your situation in a way that is understandable, honest and transparent.
More about Andreas Tonn
Already have an offer?
Get a second opinion
Together with you, we look at your PKV offer, the benefits, the deductible and important contract details.
Have an offer reviewedFrequently asked questions
Answers tothe most important questions
From what income can I switch to PKV?
Employees can switch to PKV if their regular annual income exceeds the compulsory insurance threshold (Versicherungspflichtgrenze). This threshold is adjusted every year. Different requirements apply to self-employed people and civil servants. We will gladly clarify what this means in your case during the initial consultation.
What does private health insurance cost?
The contribution depends, among other things, on age, state of health at entry, the chosen tariff, the scope of benefits and a possible deductible. A flat figure would not be reputable – in the initial consultation you will receive an individual assessment.
What happens to my contribution in old age?
Contributions in PKV can change over time, for example because of rising healthcare costs. The contribution calculation includes ageing reserves (Alterungsrückstellungen), which are built up for exactly this purpose. We will discuss with you what to look out for when choosing a tariff.
What is an anonymous preliminary risk assessment?
In an anonymous preliminary risk assessment, your health information is submitted to several insurers without your name – before an application is made. This shows you how the insurers are likely to assess your risk.
Get advice now
Still unsure whether PKVis right for you?
Personal and non-binding initial consultation.
Free initial consultation- Non-binding
- Personal
- Also possible by video
Terms explained
- Standard acceptance: no individual risk surcharge or coverage exclusion. ↩︎
- Risk surcharge: an additional premium due to an increased health risk. ↩︎
- Benefit exclusion: certain conditions or treatments are excluded from cover. ↩︎
- Rejection: based on the information submitted, acceptance on the requested terms is not offered. ↩︎