Private health insurance applications in Germany can be denied for several reasons. Common causes include having pre-existing health conditions, insufficient financial stability or proof of income, engaging in high-risk occupations, and having gaps in previous health insurance coverage if living in Germany for more than three years.
1. What pre-existing health conditions can lead to denial of private health insurance applications?
Your current or past health conditions such as asthma, a history of mental health therapy, chronic illnesses, or ongoing use of certain medications can impact private health insurance applications. These conditions increase the risk of high future medical costs, which may lead to denial of coverage.
2. How does financial stability affect private health insurance eligibility?
Private health insurers assess financial stability to confirm applicants can afford monthly premiums over time. This may involve reviewing credit history (such as Schufa) and other financial documents, depending on your employment status.
For employees
For employees
Your employment contract must be valid 12 months from the start date of the insurance in order to secure acceptance.
For freelancers
For freelancers
This can involve submitting contracts, tax declarations, and bank statements that confirm that your income is above the threshold within the following 12 months.
3. How does occupational risk influence private health insurance applications?
Some jobs come with higher risks. For example, if you work as a pilot or in other high-risk professions, insurers may deny your application or charge much higher premiums.
4. Can gaps in health insurance history cause denial of private health insurance applications?
If an applicant has lived in Germany for more than 3 years and has gaps in their health insurance coverage history, private insurers may consider this a risk and deny the application.
Before applying, you can check which insurance fits your lifestyle best by using our recommendation tool.
If your private health insurance application is denied, our team will send you an alternative health insurance option via email.