Changing plans within Private health insurance (PKV) does not reset your yearly dental treatment limit, because that limit is tied to how many years you have been insured rather than to the plan you hold. Upgrading or downgrading between the Standard, Plus, and Premium plans restarts the 2-year minimum contract term from the date the new plan takes effect. The Short-term plan can be canceled monthly, so changing it has no effect on your contract terms. The 2-year minimum term does not apply if you move out of Germany, so you can cancel your policy at any time in that case.
Does my dental treatment limit reset when I switch Private health insurance (PKV) plans?
No. The yearly dental treatment limit differs between plans, but it is tied to the number of years you have been insured rather than to the plan you hold. For example, if you have been insured for 3 years and then switch plans, you receive the 3rd-year dental treatment limit of your new plan.
How does changing my Private health insurance (PKV) plan affect the minimum contract term?
The effect depends on which plan you hold:
The Standard, Plus, and Premium plans have a minimum term of 2 years before you can cancel and switch to a different German provider.
Upgrading or downgrading between the Standard, Plus, and Premium plans restarts that 2-year minimum term from the date the new plan takes effect.
The Short-term plan can be canceled monthly, so changing it has no effect on your contract terms.
Can I cancel my Private health insurance (PKV) plan before the 2-year minimum term ends?
Yes, if you are moving out of Germany. In that case, you can cancel your Private health insurance (PKV) policy at any time, and the 2-year minimum term does not apply.