You may encounter challenges when applying for private health insurance in Germany, as some applications get denied. In this article, we'll go over the reasons why some applications receive such a response.
1. Pre-existing health conditions
Health status plays a significant role in the application process. Various pre-existing conditions, such as asthma, a history of mental health therapy, ongoing use of certain medications, and others, can pose difficulties in getting covered. Insurers assess the potential risk associated with covering individuals with existing health issues and may choose to deny coverage to manage their risk pool.
2. Financial stability
Insurers may assess your financial stability, including Schufa's credit history, to ensure you can afford the premiums over time. This check is especially relevant as private health insurance typically entails long-term commitments, and insurers aim to eliminate the risk of policy lapses due to financial limitations.
For employees
For employees
Your employment contract must be valid 12 months from the start date of the insurance in order to secure acceptance. This shows stability, giving the insurer confirmation of your ability to pay premiums regularly.
For freelancers
For freelancers
Verifying financial eligibility is a key step in the application process for freelancers. This can involve submitting contracts, tax declarations, and bank statements that confirm income to be above €30,000 within the following 12 months. Lacking such documentation would result in a denial.
3. Occupational Risk
Certain professions with higher occupational risks may face challenges obtaining coverage or be subject to increased premiums. For example, occupations like a pilot can encounter denials due to their unique risk factors. Insurers assess the potential risks associated with different occupations and adjust coverage accordingly.
If your application has been denied and you need further information, please don't hesitate to reach out to our team. We are here to help you find the optimal health insurance solution for your circumstances.