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An overview of what our private health insurance (PKV) plans cover, including outpatient care, hospital stays, dental treatment, and preventive check-ups, plus what isn't covered and where to compare plans.

What does private health insurance cover?

What to do in a medical emergency with private health insurance in and outside Germany, what happens after a hospital stay, and how to book routine appointments.

Medical emergencies and booking routine appointments with private health insurance

All Private health insurance (PKV) plans cover the preventive check-ups recommended by the German government, with no age limits. See where to find the recommended schedule and how preventive care…

Preventive check-ups covered by Private health insurance and your no-claims bonus

How referrals work for specialist visits in Germany with Private health insurance (PKV): what an Überweisung is, when a referral is required, how long it stays valid, which doctors can…

Referrals (Überweisung) for specialist visits with Private health insurance

What remedies (Heilmittel) are, which therapies Private health insurance (PKV) covers, the conditions that must be met for reimbursement, and how to check your plan's reimbursement limit before treatment starts.

Remedy (Heilmittel) coverage under private health insurance (PKV)

How private health insurance (PKV) covers you outside Germany, what the limits are on each plan, how to submit medical bills from treatment abroad, and whether a sick note from…

Traveling abroad with private health insurance — coverage, bills, and sick notes

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