Under a private health insurance scheme, contributions are based on the individual’s age and state of health. The older you are and the more previous illnesses you have, the higher the contribution. Occupational groups such as civil servants, the self-employed and high-earners with an income of over EUR 60,750 gross for more than a year have private health insurance.
It is important to consider very carefully whether or not to take out private health insurance because generally speaking it is irrevocable. Once you have private health insurance, it is permanent.
The terms and conditions of a private health insurance scheme will tend to be more favourable at the beginning and become less economical with increasing age. Private health insurance is generally particularly expensive if you wish to include family members or start a family. There are also considerable differences in the benefits available depending on the scheme you choose.
The most important thing is to be sure you obtain detailed information before switching to private health insurance. BMW BKK offers expert and individualised consultation on this issue. Our experienced staff will be happy to get together with you and compare details, look at the advantages and drawbacks of statutory and private health insurance and consider the benefits and risks.