PKV premium going up? Get a free check.

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Free and no obligation, for clients and non-clients.

Key figures by email in under a minute, if you add your premiums.

Advisor assessment in 3 business days.

Statutory (GKV)? Send your letter too.

Rated 4.9 out of 5 on ProvenExpert across 95 published reviews. None are paid for, and each reviewer confirms they used our service. See all reviews

How it works
Upload your letterThe premium-increase letter from your insurer, as a PDF or photo. Adding your old and new premium is optional.
01
Get the key figures by emailWithin a minute, if you added your premiums: how much more you'd pay per month and per year, and the last day you could cancel. If you skipped them, your advisor works this out from the letter.
02
Get your advisor's assessmentWithin 3 business days your Stay advisor sends you a written assessment: the options that fit you, or a clear note that your current tariff is still your best choice.
03
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What people say about us

StarStarStarStarStar

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S
SonyaFreelancer
StarStarStarStarStar

She was very knowledgeable and worked very quickly. I received all the information I needed and more.

A
A.Switched from public to private insurance
StarStarStarStarStar

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D
Darren S.Navigating German health insurance
StarStarStarStarStar

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A
AnonymInternational specialist
StarStarStarStarStar

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V
Vahid B.Newcomer to Germany
Stay advisors

Your options when your premium goes up

Switch tariff with your insurer

You have the right to move to another tariff of your insurer with equal or lower benefits, keeping your age reserves (§ 204 VVG).

Change your deductible

A higher deductible can lower the premium.

Move to another insurer

You can cancel within two months of receiving the letter. You must show proof of new cover, so never cancel before your new insurance is confirmed (§ 205 VVG).

Going back to public insurance

Only possible in certain cases and depends on your age and income. Ask your advisor before you act.

Questions about your free check

Two people going through a letter together

Prefer to talk it through? Book a free call with a PKV advisor.