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The Questions Everyone Asks
Straight answers from people who have seen this 3,000 times.
Partly. Premiums rise ~3-4% per year with medical inflation. Good plans build age reserves (Altersrückstellungen) to slow that down. The real risk: switching back to GKV gets hard after 55. The fix is choosing the right plan now, not avoiding PKV altogether.
Age reserves kick in to slow increases. You can switch to a lower tariff within your insurer. The Basistarif guarantees GKV-level coverage at GKV-level cost. Key: pick a financially strong insurer with a good track record. That is what we evaluate.
Under 55 and employed: yes, if your income drops below €73,800/year for one year. Over 55: nearly impossible. This is exactly why expert advice before choosing matters.
In GKV, non-working spouse + kids are covered free (Familienversicherung). In PKV, each person needs their own policy: partner €250-400/month, child €100-200/month. Planning a family? This changes everything.
Below €73,800: GKV is mandatory. Above: you choose. PKV often appeals for lower premiums and faster specialists. But if you might leave Germany or plan a family, GKV offers more flexibility. We advise thousands of Blue Card holders — your situation determines the answer.
Once your salary exceeds €73,800 for one full calendar year, you can choose PKV the following year. That decision window is the perfect time for a personal analysis. We model both options with your exact numbers.
No. We are licensed brokers paid by the insurer, not by you. Same commission regardless of which insurer we recommend. Zero cost to you. Zero incentive to push one option.