Changing plans within Private health insurance (PKV) does not reset your accumulated claim-free years or your dental treatment limit. Both carry over to the new plan based on how long you have been insured. 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, and the 2-year minimum term does not apply if you move out of Germany.

No. The claim-free years you have accumulated on your Private health insurance (PKV) policy are preserved when you move to a different PKV plan. If you change plans partway through the year, the no-claim bonus for that year is still calculated based on your premium before the change. Since the payout grows with each consecutive claim-free year and differs from plan to plan, cashbacks and bonuses explains how the amounts build up and how the no-claim bonus works alongside the guaranteed monthly cashback.

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.

The effect depends on which plan you hold:

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.