{"id":2437,"date":"2026-03-05T09:22:11","date_gmt":"2026-03-05T08:22:11","guid":{"rendered":"https:\/\/bramexplus.com\/?page_id=2437"},"modified":"2026-07-01T20:10:05","modified_gmt":"2026-07-01T18:10:05","slug":"private-health-insurance-germany","status":"publish","type":"page","link":"https:\/\/bramexplus.com\/en\/private-health-insurance-germany\/","title":{"rendered":"Private Health Insurance in Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2437\" class=\"elementor elementor-2437 elementor-70\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9353193 e-con-full e-flex e-con e-parent\" data-id=\"9353193\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33c8a4d elementor-widget elementor-widget-html\" data-id=\"33c8a4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =====================================================\n  BRAMEX PLUS \u2014 Home \u00b7 BLOQUE 1\n  Va ANTES del widget del mini comparador\n  ===================================================== -->\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  HERO\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-hero-xl\" id=\"inicio\">\n  <div class=\"bpx-hero-xl__grid\">\n\n    <div>\n      <div class=\"bpx-eyebrow-pill\">Private health insurance in Germany for employees<\/div>\n\n      <h2>Understand <span class=\"bpx-hero-xl__highlight\">private health insurance<\/span> in Germany and choose the best option with our help<\/h2>\n\n      <p class=\"bpx-lead\">\n        Benefit from better services and personalised care. Find the private health insurance that fits your lifestyle and health needs.\n      <\/p>\n\n      <div class=\"bpx-hero__actions\">\n        <a href=\"#comparador\" class=\"bpx-btn bpx-btn-primary\">Compare tariffs \u2192<\/a>\n        <a href=\"https:\/\/bramexplus.com\/en\/contact\/\" class=\"bpx-btn bpx-btn-secondary\">Request a consultation<\/a>\n      <\/div>\n\n      <div class=\"bpx-hero__meta\" style=\"margin-top:20px;\">\n        <span><span style=\"color:var(--bpx-yellow);font-size:18px;\">\u25cf<\/span> 100% free<\/span>\n        <span><span style=\"color:var(--bpx-yellow);font-size:18px;\">\u25cf<\/span> No obligation<\/span>\n        <span><span style=\"color:var(--bpx-yellow);font-size:18px;\">\u25cf<\/span> Certified experts<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"bpx-hero-xl__media\">\n      <div class=\"bpx-hero-xl__img\">\n        <img decoding=\"async\"\n          src=\"https:\/\/bramexplus.com\/wp-content\/uploads\/2026\/03\/pkv-bramex-plus.webp\"\n          alt=\"Private health insurance in Germany for employees \u2014 Bramex Plus\"\n          style=\"width:100%;height:100%;object-fit:cover;object-position:center;display:block;\"\n        >\n      <\/div>\n      <div class=\"bpx-hero-img-badge\">\n        <div class=\"bpx-hero-img-badge__icon\">\u2b50<\/div>\n        <div>\n          <p class=\"bpx-hero-img-badge__title\">We help you find the most suitable cover<\/p>\n          <p class=\"bpx-hero-img-badge__text\">Clearly, simply and in your language.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  ANCHOR BAR \u2014 sticky, scroll a secciones\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<nav class=\"bpx-anchor-bar\" aria-label=\"Page sections\">\n  <div class=\"bpx-anchor-bar__inner\">\n    <a href=\"#ventajas\"    class=\"bpx-anchor-bar__link\"><span>\u2726<\/span> Benefits<\/a>\n    <a href=\"#comparador\"  class=\"bpx-anchor-bar__link\"><span>\ud83d\udcca<\/span> Comparison<\/a>\n    <a href=\"#coberturas\"  class=\"bpx-anchor-bar__link\"><span>\ud83d\udee1\ufe0f<\/span> Cover<\/a>\n    <a href=\"#pkv-vs-gkv\"  class=\"bpx-anchor-bar__link\"><span>\u2696\ufe0f<\/span> Private vs statutory<\/a>\n    <a href=\"#extras\"      class=\"bpx-anchor-bar__link\"><span>\u2b50<\/span> Extras<\/a>\n    <a href=\"#cambio\"      class=\"bpx-anchor-bar__link\"><span>\ud83d\udd04<\/span> Switching<\/a>\n    <a href=\"#faq\"         class=\"bpx-anchor-bar__link\"><span>\ud83d\udcac<\/span> FAQ<\/a>\n  <\/div>\n  \n  <script>\n(function(){\n  var bar = document.querySelector('.bpx-anchor-bar');\n  var faq = document.getElementById('faq');\n\n  if(!bar) return;\n\n  \/\/ Altura de la barra para compensar el scroll\n  var barH = bar.offsetHeight;\n\n  \/\/ Posici\u00f3n original de la barra en el documento\n  var barTop = bar.getBoundingClientRect().top + window.scrollY;\n\n  function onScroll(){\n    var scrollY = window.scrollY;\n\n    \/\/ Ocultar cuando llegamos a las FAQ\n    if(faq){\n      var faqTop = faq.getBoundingClientRect().top + window.scrollY;\n      if(scrollY + barH >= faqTop){\n        bar.style.position = 'absolute';\n        bar.style.top = (faqTop - barH) + 'px';\n        bar.style.width = '100%';\n        return;\n      }\n    }\n\n    \/\/ Sticky cuando el usuario ha pasado la posici\u00f3n original\n    if(scrollY >= barTop){\n      bar.style.position = 'fixed';\n      bar.style.top = '0';\n      bar.style.width = '100%';\n      bar.style.zIndex = '999';\n    } else {\n      bar.style.position = 'sticky';\n      bar.style.top = '0';\n      bar.style.width = '';\n      bar.style.zIndex = '';\n    }\n  }\n\n  window.addEventListener('scroll', onScroll, { passive: true });\n  onScroll();\n\n  \/\/ Smooth scroll con offset\n  var links = document.querySelectorAll('.bpx-anchor-bar__link[href^=\"#\"]');\n  links.forEach(function(link){\n    link.addEventListener('click', function(e){\n      var id = link.getAttribute('href').slice(1);\n      var section = document.getElementById(id);\n      if(!section) return;\n      e.preventDefault();\n      var top = section.getBoundingClientRect().top + window.scrollY - barH - 8;\n      window.scrollTo({ top: top, behavior: 'smooth' });\n    });\n  });\n})();\n<\/script>\n<\/nav>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  BENEFICIOS \u2014 3 cards grandes + 2 medianas\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-section bpx-bg-soft\" id=\"ventajas\">\n  <div class=\"bpx-wrap\">\n\n    <div class=\"bpx-heading\">\n      <div class=\"bpx-eyebrow\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        What changes with private health insurance\n      <\/div>\n      <h2>Your benefits with private health insurance<\/h2>\n      <p class=\"bpx-subtitle\">Private health insurance in Germany isn't only a question of cover. It's a different way of accessing the healthcare system \u2014 with more speed, more freedom and more personalisation.<\/p>\n    <\/div>\n\n    <!-- 3 cards grandes -->\n    <div class=\"bpx-benefits-grid\">\n\n      <div class=\"bpx-benefit-lg\">\n        <div class=\"bpx-benefit-lg__icon\">\ud83d\udd50<\/div>\n        <h3>Fast appointments with doctors and clinics<\/h3>\n        <p>People with private health insurance get specialist appointments within a few days, close to where they live. If a procedure is needed, it can preferably be carried out in a private clinic.<\/p>\n        <p>For planned (non-urgent) operations, you usually get an appointment within around two weeks.<\/p>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" class=\"bpx-anchor-bar__link\" style=\"padding:0;margin-top:8px;font-size:13px;border:none;\">\n         \n          More about benefits \u2192\n        <\/a>\n      <\/div>\n\n      <div class=\"bpx-benefit-lg\">\n        <div class=\"bpx-benefit-lg__icon\">\ud83d\udcb6<\/div>\n        <h3>Money back \/ bonus<\/h3>\n        <p>If you submit no medical bills throughout the year, depending on the tariff you can receive up to a <strong>30% refund of the premiums paid<\/strong>.<\/p>\n        <p>That can mean between 600 \u20ac and 1.400 \u20ac a year paid straight back into your bank account.<\/p>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" class=\"bpx-anchor-bar__link\" style=\"padding:0;margin-top:8px;font-size:13px;border:none;\">\n         \n          More about benefits \u2192\n        <\/a>\n      <\/div>\n\n      <div class=\"bpx-benefit-lg\">\n        <div class=\"bpx-benefit-lg__icon\">\u2b50<\/div>\n        <h3>High-level benefits<\/h3>\n        <p>For standard dental treatment you can receive up to <strong>100% reimbursement<\/strong>. Very high benefits are also offered for dental prosthetics and complex treatments.<\/p>\n        <div class=\"bpx-benefit-lg__note\">\n          <p>In hospital you have the option to:<\/p>\n          <ul>\n            <li>Be operated on by the <strong>senior consultant<\/strong><\/li>\n            <li>Stay in a <strong>single room<\/strong><\/li>\n          <\/ul>\n        <\/div>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" class=\"bpx-anchor-bar__link\" style=\"padding:0;margin-top:12px;font-size:13px;border:none;\">\n         \n          More about benefits \u2192\n        <\/a>\n      <\/div>\n\n    <\/div>\n\n    <!-- 2 cards medianas -->\n    <div class=\"bpx-benefits-grid-md\">\n\n      <div class=\"bpx-benefit-md\">\n        <div class=\"bpx-benefit-md__icon\">\ud83e\ude7a<\/div>\n        <div>\n          <h3>Medical check-ups<\/h3>\n          <p>Depending on the tariff, preventive check-ups can be carried out <strong>with no age limit and no mandatory intervals<\/strong>. So you're always covered when it comes to prevention.<\/p>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" style=\"font-size:13px;font-weight:700;color:var(--bpx-navy);margin-top:8px;display:inline-block;\">\n            \n            More \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n\n      <div class=\"bpx-benefit-md\">\n        <div class=\"bpx-benefit-md__icon\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/div>\n        <div>\n          <h3>Money and family<\/h3>\n          <ul>\n            <li>Private health insurance is often <strong>cheaper than statutory insurance<\/strong>.<\/li>\n            <li>Depending on the tariff, during parental leave (<em>Elternzeit<\/em>) you can <strong>pause premium payments for up to 6 months<\/strong>.<\/li>\n          <\/ul>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-children\/\" style=\"font-size:13px;font-weight:700;color:var(--bpx-navy);margin-top:8px;display:inline-block;\">\n           \n            More about family \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n\n    <\/div>\n\n    <!-- CTA bajo beneficios -->\n    <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:40px;\">\n      <a href=\"https:\/\/bramexplus.com\/en\/contact\/\" class=\"bpx-btn bpx-btn-primary\">Request advice \u2192<\/a>\n      <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/\" class=\"bpx-btn bpx-btn-secondary\">Calculate the insurance cost<\/a>\n      <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" class=\"bpx-btn\" style=\"border:2px solid var(--bpx-border);background:var(--bpx-white);color:var(--bpx-navy);padding:14px 24px;border-radius:var(--bpx-radius-btn);font-weight:700;font-size:15px;\">\n       \n        More information\n      <\/a>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  ANCHOR ID \u2014 para que el scroll al comparador\n  desde la anchor bar funcione correctamente\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div id=\"comparador\" style=\"scroll-margin-top:60px;\"><\/div>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  SCRIPT \u2014 anchor bar activa al hacer scroll\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<script>\n(function(){\n  var links = document.querySelectorAll('.bpx-anchor-bar__link[href^=\"#\"]');\n\n  function updateActive(){\n    var scrollY = window.scrollY + 80;\n    links.forEach(function(link){\n      var id = link.getAttribute('href').slice(1);\n      var section = document.getElementById(id);\n      if(!section) return;\n      var top = section.offsetTop;\n      var bottom = top + section.offsetHeight;\n      if(scrollY >= top && scrollY < bottom){\n        links.forEach(function(l){ l.classList.remove('is-active'); });\n        link.classList.add('is-active');\n      }\n    });\n  }\n\n  window.addEventListener('scroll', updateActive, { passive:true });\n  updateActive();\n\n  \/* Smooth scroll con offset para el sticky bar *\/\n  links.forEach(function(link){\n    link.addEventListener('click', function(e){\n      var id = link.getAttribute('href').slice(1);\n      var section = document.getElementById(id);\n      if(!section) return;\n      e.preventDefault();\n      var offset = 64;\n      var top = section.getBoundingClientRect().top + window.scrollY - offset;\n      window.scrollTo({ top: top, behavior: 'smooth' });\n    });\n  });\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af2ae88 e-con-full e-flex e-con e-parent\" data-id=\"af2ae88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2d8397 elementor-widget elementor-widget-heading\" data-id=\"e2d8397\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Private health insurance comparison tool<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3dc45e elementor-widget elementor-widget-text-editor\" data-id=\"a3dc45e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Work out the cost of your private insurance in seconds. We carefully select the best tariffs based on the optimal balance of cost, service and reliability.<\/p><p>All you need to do is enter your date of birth below<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78c5f4b elementor-widget elementor-widget-shortcode\" data-id=\"78c5f4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n        <div style=\"\n            padding:24px;\n            border:2px dashed #d9d9d9;\n            border-radius:16px;\n            background:#fafafa;\n            text-align:center;\n            font-family:Inter, sans-serif;\n            color:#686766;\n            margin:12px 0;\n        \">\n            <strong style=\"\n                display:block;\n                font-size:20px;\n                line-height:1.3;\n                margin-bottom:8px;\n                color:#1c244b;\n                font-weight:800;\n            \">Mini comparador Bramex Plus<\/strong>\n            <span style=\"\n                display:block;\n                font-size:15px;\n                line-height:1.6;\n                color:#686766;\n            \">El mini comparador se mostrar\u00e1 correctamente en la p\u00e1gina publicada.<\/span>\n        <\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0af07af e-con-full e-flex e-con e-parent\" data-id=\"0af07af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3be8d5e elementor-widget elementor-widget-html\" data-id=\"3be8d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =====================================================\n  BRAMEX PLUS \u2014 Home \u00b7 BLOQUE 2\n  Va DESPU\u00c9S del widget del mini comparador\n  ===================================================== -->\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  COBERTURAS \u2014 4 tarifas\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-section bpx-bg-soft\" id=\"coberturas\">\n  <div class=\"bpx-wrap\">\n\n    <div class=\"bpx-heading\">\n      <div class=\"bpx-eyebrow\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        Choose your level of cover\n      <\/div>\n      <h2>Main benefits of private health insurance<\/h2>\n      <p class=\"bpx-subtitle\">We've grouped the market's tariffs into four clear levels. Compare and choose the one that best fits your needs.<\/p>\n    <\/div>\n\n    <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:36px;\">\n      <a href=\"https:\/\/bramexplus.com\/en\/contact\/\" class=\"bpx-btn bpx-btn-primary\">Request advice \u2192<\/a>\n      <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-coverage-comparison\/\" class=\"bpx-btn bpx-btn-secondary\">See all benefits<\/a>\n    <\/div>\n\n    <div class=\"bpx-coberturas-grid\">\n\n      <!-- BASIC -->\n      <div class=\"bpx-cobertura-card\">\n        <p class=\"bpx-cobertura-card__name\">BASIC<\/p>\n        <p class=\"bpx-cobertura-card__desc\">The essentials to be covered at a lower premium.<\/p>\n        <ul class=\"bpx-cobertura-card__list\">\n          <li>\n            <span class=\"bpx-cob-icon\">\u20ac<\/span>\n            <div><strong>Deductible<\/strong> 300 \u20ac \/ year<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc64<\/span>\n            <div><strong>Specialists<\/strong> With referral (no direct access)<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83c\udfe5<\/span>\n            <div><strong>Hospital<\/strong> Public \u00b7 shared room<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc8a<\/span>\n            <div><strong>Medication<\/strong> 75%<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83e\uddb7<\/span>\n            <div><strong>Dental prosthetics<\/strong> 60%<\/div>\n          <\/li>\n        <\/ul>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/#comparadorpkven\" class=\"bpx-cobertura-card__cta\">Calculate price \u2192<\/a>\n      <\/div>\n\n      <!-- SMART -->\n      <div class=\"bpx-cobertura-card\">\n        <p class=\"bpx-cobertura-card__name\">SMART<\/p>\n        <p class=\"bpx-cobertura-card__desc\">Better hospital cover and reimbursements. Ideal if you don't need premium extras.<\/p>\n        <ul class=\"bpx-cobertura-card__list\">\n          <li>\n            <span class=\"bpx-cob-icon\">\u20ac<\/span>\n            <div><strong>Deductible<\/strong> No deductible<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc64<\/span>\n            <div><strong>Specialists<\/strong> With referral (no direct access)<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83c\udfe5<\/span>\n            <div><strong>Hospital<\/strong> Public + private \u00b7 room max. 2 people<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc8a<\/span>\n            <div><strong>Medication<\/strong> 80%<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83e\uddb7<\/span>\n            <div><strong>Dental prosthetics<\/strong> 80%<\/div>\n          <\/li>\n        <\/ul>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/#comparadorpkven\" class=\"bpx-cobertura-card__cta\">Calculate price \u2192<\/a>\n      <\/div>\n\n      <!-- PRO -->\n      <div class=\"bpx-cobertura-card bpx-cobertura-card--popular\">\n        <div class=\"bpx-cobertura-card__badge\">Most popular<\/div>\n        <p class=\"bpx-cobertura-card__name\">PRO<\/p>\n        <p class=\"bpx-cobertura-card__desc\">More freedom: direct access to specialists and more key reimbursements.<\/p>\n        <ul class=\"bpx-cobertura-card__list\">\n          <li>\n            <span class=\"bpx-cob-icon\">\u20ac<\/span>\n            <div><strong>Deductible<\/strong> 0 \u20ac or 300 \u20ac<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc64<\/span>\n            <div><strong>Specialists<\/strong> Direct access<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83c\udfe5<\/span>\n            <div><strong>Hospital<\/strong> Public + private \u00b7 room max. 2 people<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc8a<\/span>\n            <div><strong>Medication<\/strong> 100%<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83e\udde0<\/span>\n            <div><strong>Psychotherapy<\/strong> 80% \u2192 100% from session 31<\/div>\n          <\/li>\n        <\/ul>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/#comparadorpkven\" class=\"bpx-cobertura-card__cta\">Calculate price \u2192<\/a>\n      <\/div>\n\n      <!-- MAX -->\n      <div class=\"bpx-cobertura-card\">\n        <p class=\"bpx-cobertura-card__name\">MAX<\/p>\n        <p class=\"bpx-cobertura-card__desc\">Maximum peace of mind: single room and higher limits.<\/p>\n        <ul class=\"bpx-cobertura-card__list\">\n          <li>\n            <span class=\"bpx-cob-icon\">\u20ac<\/span>\n            <div><strong>Deductible<\/strong> 0 \u20ac or 300 \u20ac<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc64<\/span>\n            <div><strong>Specialists<\/strong> Direct access<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83c\udfe5<\/span>\n            <div><strong>Hospital<\/strong> Single room<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc53<\/span>\n            <div><strong>Glasses \/ lenses<\/strong> 600 \u20ac \/ 2 years<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83d\udc8a<\/span>\n            <div><strong>Medication<\/strong> 100%<\/div>\n          <\/li>\n          <li>\n            <span class=\"bpx-cob-icon\">\ud83e\uddb7<\/span>\n            <div><strong>Dental prosthetics<\/strong> 90%<\/div>\n          <\/li>\n        <\/ul>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/#comparadorpkven\" class=\"bpx-cobertura-card__cta\">Calculate price \u2192<\/a>\n      <\/div>\n\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  PKV VS GKV \u2014 tabla comparativa\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-section bpx-bg-white\" id=\"pkv-vs-gkv\">\n  <div class=\"bpx-wrap\">\n\n    <div class=\"bpx-heading\">\n      <div class=\"bpx-eyebrow\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        Understand the difference\n      <\/div>\n      <h2>PKV vs GKV \u2014 Private vs statutory health insurance<\/h2>\n    <\/div>\n\n    <div class=\"bpx-pkv-section\">\n\n      <div class=\"bpx-pkv-section__aside\">\n        <!-- IMAGEN: sustituye el placeholder -->\n\n          <img decoding=\"async\" src=\"https:\/\/bramexplus.com\/wp-content\/uploads\/2026\/03\/pkv-bramex-plus-1.webp\" \n            alt=\"Private health insurance in Germany\" \/>\n         \n        <\/div>\n        <p class=\"bpx-pkv-section__aside-text\">If you have access to private health insurance in Germany, you can benefit from the range of services it makes available to its clients.<\/p>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-vs-public-health-insurance-in-germany-pkv-vs-gkv\/\" class=\"bpx-btn bpx-btn-secondary\" style=\"text-align:center;\">\n         \n          More about the differences\n        <\/a>\n      \n       <\/div>\n\n      <div class=\"bpx-pkv-table-wrap\">\n        <table class=\"bpx-pkv-table\">\n          <thead>\n            <tr>\n              <th>Feature<\/th>\n              <th class=\"bpx-pkv-table__col-pkv-head\">\n                <div class=\"bpx-pkv-table__head-inner\">\n                  <div class=\"bpx-pkv-table__head-badge bpx-pkv-table__head-badge--yellow\">\u2b50<\/div>\n                  <div>\n                    <p class=\"bpx-pkv-table__head-title\">Private insurance<\/p>\n                    <p class=\"bpx-pkv-table__head-sub\">Recommended for higher earners<\/p>\n                  <\/div>\n                <\/div>\n              <\/th>\n              <th>\n                <div class=\"bpx-pkv-table__head-inner\">\n                  <div class=\"bpx-pkv-table__head-badge bpx-pkv-table__head-badge--grey\">\ud83d\udee1<\/div>\n                  <div>\n                    <p class=\"bpx-pkv-table__head-title\">Statutory insurance<\/p>\n                    <p class=\"bpx-pkv-table__head-sub\">Mandatory standard cover<\/p>\n                  <\/div>\n                <\/div>\n              <\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83d\udd50<\/span>Specialist waiting time<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> Immediate<\/td>\n              <td><span class=\"bpx-pkv-neutral\">\u2013<\/span> Weeks \/ months<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83c\udfe5<\/span>Hospital room<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> Single or double<\/td>\n              <td><span class=\"bpx-pkv-neutral\">\u2013<\/span> Shared<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83e\uddb7<\/span>Dental prosthetics<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> Up to 100%<\/td>\n              <td><span class=\"bpx-pkv-neutral\">\u2013<\/span> 30\u201345%<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83d\udcb6<\/span>Premium refund<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> Yes<\/td>\n              <td><span class=\"bpx-pkv-cross\">\u2717<\/span> No<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83c\udf0d<\/span>Worldwide cover<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> Included<\/td>\n              <td><span class=\"bpx-pkv-cross\">\u2717<\/span> No<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83d\udd12<\/span>Guaranteed benefits<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> For life<\/td>\n              <td><span class=\"bpx-pkv-neutral\">\u2013<\/span> Can change<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83d\udcb0<\/span>Price based on salary<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> Doesn't depend on it<\/td>\n              <td><span class=\"bpx-pkv-neutral\">\u2013<\/span> Does depend on it<\/td>\n            <\/tr>\n            <tr>\n              <td><span class=\"bpx-pkv-table__cell-icon\">\ud83d\udd0d<\/span>Unlimited prevention<\/td>\n              <td class=\"bpx-pkv-table__col-pkv\"><span class=\"bpx-pkv-check\">\u2714<\/span> No age or interval limits<\/td>\n              <td><span class=\"bpx-pkv-neutral\">\u2013<\/span> With limitations<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n\n    <\/div>\n<\/section>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  EXTRAS \u2014 timeline con ilustraciones\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-section bpx-bg-soft\" id=\"extras\">\n  <div class=\"bpx-wrap\">\n\n    <div class=\"bpx-heading\">\n      <div class=\"bpx-eyebrow\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        Beyond medical cover\n      <\/div>\n      <h2>Private health insurance extras<\/h2>\n      <p class=\"bpx-subtitle\">On top of all the advantages private health insurance offers in Germany, it also includes extras that make the difference.<\/p>\n    <\/div>\n\n    <div class=\"bpx-timeline\">\n\n      <div class=\"bpx-step bpx-step-highlight\">\n        <div class=\"bpx-step-content\">\n          <h3>\ud83d\udd0d Doctor and clinic search<\/h3>\n          <p>So you get treatment quickly, the insurer can find suitable doctors and clinics <strong>in under 48 hours<\/strong> and, if you wish, <strong>book the appointment directly<\/strong>.<\/p>\n        <\/div>\n        <div class=\"bpx-step-dot\">1<\/div>\n        <div class=\"bpx-step-content\" style=\"visibility:hidden;\" aria-hidden=\"true\"><\/div>\n      <\/div>\n\n      <div class=\"bpx-step bpx-step-right\">\n        <div class=\"bpx-step-content\" style=\"visibility:hidden;\" aria-hidden=\"true\"><\/div>\n        <div class=\"bpx-step-dot\">2<\/div>\n        <div class=\"bpx-step-content\">\n          <h3>\u2696\ufe0f Legal protection for patients<\/h3>\n          <p>If you've been treated incorrectly by a doctor or haven't received enough information, private health insurance (SMART, PRO and MAX tariffs) includes <strong>legal protection for patients<\/strong>.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"bpx-step\">\n        <div class=\"bpx-step-content\">\n          <h3>\ud83d\udcaa Personalised health coaching<\/h3>\n          <p>A personal coach supports people with specific conditions such as type II diabetes, cardiovascular disease or chronic pain, helping them <strong>improve their quality of life<\/strong>.<\/p>\n        <\/div>\n        <div class=\"bpx-step-dot\">3<\/div>\n        <div class=\"bpx-step-content\" style=\"visibility:hidden;\" aria-hidden=\"true\"><\/div>\n      <\/div>\n\n    <\/div>\n\n    <div style=\"text-align:center;margin-top:40px;\">\n      <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-extras\/\" class=\"bpx-btn bpx-btn-primary\">\n        \n        See all extras \u2192\n      <\/a>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  PROCESO DE CAMBIO \u2014 5 pasos horizontales\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-section bpx-bg-white\" id=\"cambio\">\n  <div class=\"bpx-wrap\">\n\n    <div class=\"bpx-heading\">\n      <div class=\"bpx-eyebrow\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        It's this simple\n      <\/div>\n      <h2>Switching from statutory to private health insurance<\/h2>\n      <p class=\"bpx-subtitle\">Switching can be simple, but it's essential to find the right offer \u2014 the insurer that covers your needs and provides excellent benefits and reliable service.<\/p>\n    <\/div>\n\n    <div class=\"bpx-proceso\">\n\n      <div class=\"bpx-proceso-step\">\n        <div class=\"bpx-proceso-step__icon\">\ud83e\uddee<\/div>\n        <h4>Calculate<\/h4>\n        <p>Enter your age in the comparison tool and get real tariffs instantly.<\/p>\n      <\/div>\n\n      <div class=\"bpx-proceso-step\">\n        <div class=\"bpx-proceso-step__icon\">\u2696\ufe0f<\/div>\n        <h4>Compare<\/h4>\n        <p>Automatically receive the best tariffs available for your profile.<\/p>\n      <\/div>\n\n      <div class=\"bpx-proceso-step\">\n        <div class=\"bpx-proceso-step__icon\">\ud83d\udcac<\/div>\n        <h4>Get advice<\/h4>\n        <p>We advise you free of charge and with no obligation, answering your questions.<\/p>\n      <\/div>\n\n      <div class=\"bpx-proceso-step\">\n        <div class=\"bpx-proceso-step__icon\">\u2705<\/div>\n        <h4>Choose<\/h4>\n        <p>Decide which tariff suits you best, with all the information at hand.<\/p>\n      <\/div>\n\n      <div class=\"bpx-proceso-step\">\n        <div class=\"bpx-proceso-step__icon\">\ud83c\udf89<\/div>\n        <h4>Enjoy<\/h4>\n        <p>Start benefiting from the savings and first-class medical care.<\/p>\n      <\/div>\n\n    <\/div>\n\n    <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:48px;\">\n      <a href=\"https:\/\/bramexplus.com\/en\/contact\/\" class=\"bpx-btn bpx-btn-primary\">Request advice \u2192<\/a>\n      <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" class=\"bpx-btn bpx-btn-secondary\">\n        <!-- URL: \/cambiar-seguro-medico-publico-privado-alemania\/ -->\n        See all benefits\n      <\/a>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  FAQ\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-faq\" id=\"faq\">\n  <div class=\"bpx-faq__inner\">\n\n    <div class=\"bpx-heading\">\n      <div class=\"bpx-eyebrow\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        Questions and answers\n      <\/div>\n      <h2>The most common questions about private health insurance in Germany<\/h2>\n    <\/div>\n\n    <div class=\"bpx-faq-item is-open\">\n      <button class=\"bpx-faq-question\" type=\"button\">\n        <span>What conditions must you meet to take out private health insurance?<\/span>\n        <div class=\"bpx-faq-toggle\">\u2212<\/div>\n      <\/button>\n      <div class=\"bpx-faq-answer\">\n        <div class=\"bpx-faq-answer-inner\">\n          The main requirement is to exceed the annual income threshold set by law, which in 2026 is around 77.400 \u20ac gross. That salary must also be stable rather than one-off, and you must have an active employment contract in Germany. If you meet these requirements, you can freely choose between statutory and private insurance.\n          <br><br>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-benefits-germany\/\" style=\"font-weight:700;color:var(--bpx-navy);\">\n            \n            See all requirements \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"bpx-faq-item\">\n      <button class=\"bpx-faq-question\" type=\"button\">\n        <span>How does private health insurance differ from statutory insurance?<\/span>\n        <div class=\"bpx-faq-toggle\">+<\/div>\n      <\/button>\n      <div class=\"bpx-faq-answer\">\n        <div class=\"bpx-faq-answer-inner\">\n          The main differences are in waiting times, the quality of hospital care, the available benefits and the price. With private health insurance you reach specialists within days, get a single hospital room, superior dental cover, and the price doesn't depend on your salary. With statutory insurance, everyone receives the same basic benefits and the cost rises the more you earn.\n          <br><br>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/\" style=\"font-weight:700;color:var(--bpx-navy);\">\n\n            See the full PKV vs GKV comparison \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"bpx-faq-item\">\n      <button class=\"bpx-faq-question\" type=\"button\">\n        <span>Does my employer still pay part of the insurance if I switch to private?<\/span>\n        <div class=\"bpx-faq-toggle\">+<\/div>\n      <\/button>\n      <div class=\"bpx-faq-answer\">\n        <div class=\"bpx-faq-answer-inner\">\n          Yes. As an employee in Germany, your employer is required to contribute to your health insurance regardless of whether it's statutory or private. The contribution is roughly 50% of the cost, up to a legally set maximum. This means the actual cost you bear is half of the total premium.\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"bpx-faq-item\">\n      <button class=\"bpx-faq-question\" type=\"button\">\n        <span>Is private health insurance cheaper than statutory insurance?<\/span>\n        <div class=\"bpx-faq-toggle\">+<\/div>\n      <\/button>\n      <div class=\"bpx-faq-answer\">\n        <div class=\"bpx-faq-answer-inner\">\n          In many cases, yes. Private health insurance calculates the premium based on your personal profile \u2014 age and state of health \u2014 not on your salary. For employees with higher earnings and good health, the private premium is often significantly lower than the statutory contribution. Use the comparison tool to see the exact figures for your case.\n          <br><br>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-cost-germany\/\" style=\"font-weight:700;color:var(--bpx-navy);\">\n            See how much private health insurance costs \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"bpx-faq-item\">\n      <button class=\"bpx-faq-question\" type=\"button\">\n        <span>What does private health insurance cover?<\/span>\n        <div class=\"bpx-faq-toggle\">+<\/div>\n      <\/button>\n      <div class=\"bpx-faq-answer\">\n        <div class=\"bpx-faq-answer-inner\">\n          It depends on the tariff you choose. In general, private health insurance covers outpatient, hospital and dental care at higher levels than the statutory system. The most complete tariffs include direct access to specialists without a referral, a single room, 100% reimbursement on dental treatment, medication, psychotherapy and international cover.\n          <br><br>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-coverage-comparison\/\" style=\"font-weight:700;color:var(--bpx-navy);\">\n          \n            See the benefits comparison \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"bpx-faq-item\">\n      <button class=\"bpx-faq-question\" type=\"button\">\n        <span>Can I return to statutory insurance if I switch to private?<\/span>\n        <div class=\"bpx-faq-toggle\">+<\/div>\n      <\/button>\n      <div class=\"bpx-faq-answer\">\n        <div class=\"bpx-faq-answer-inner\">\n          It depends on your situation. Switching from private back to statutory in Germany is regulated and isn't always possible voluntarily. If your income drops below the threshold involuntarily \u2014 for example, through unemployment or reduced working hours \u2014 there may be options. That's why it's important to consider the decision carefully before taking the step.\n          <br><br>\n          <a href=\"https:\/\/bramexplus.com\/en\/switch-to-private-health-insurance-germany\/\" style=\"font-weight:700;color:var(--bpx-navy);\">\n          \n            See how switching insurance works \u2192\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n  CTA FINAL\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<section class=\"bpx-final-cta\">\n  <div class=\"bpx-wrap\">\n    <div class=\"bpx-final-cta__box bpx-final-cta__box--dark\">\n\n      <div class=\"bpx-eyebrow\" style=\"color:var(--bpx-yellow);background:rgba(255,185,5,0.12);border-color:rgba(255,185,5,0.28);\">\n        <span class=\"bpx-eyebrow-dot\"><\/span>\n        100% free \u00b7 No obligation\n      <\/div>\n\n      <h2>Ready to improve your health cover in Germany?<\/h2>\n\n      <p>We analyse your situation and give you a clear recommendation, with no obligation. Our team supports you through the whole process, in English and without jargon.<\/p>\n\n      <div class=\"bpx-final-cta__actions\">\n        <a href=\"https:\/\/bramexplus.com\/en\/contact\" class=\"bpx-btn bpx-btn-primary\">\n          Request free advice \u2192\n        <\/a>\n        <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/#comparadorpkven\" class=\"bpx-btn bpx-btn-secondary\">\n          Calculate my tariff\n        <\/a>\n      <\/div>\n\n      <div class=\"bpx-cta-trust\">\n        <span class=\"bpx-cta-trust__item\">Reply within 24 hours<\/span>\n        <span class=\"bpx-cta-trust__item\">Advice in your language<\/span>\n        <span class=\"bpx-cta-trust__item\">Certified experts<\/span>\n        <span class=\"bpx-cta-trust__item\">100% confidential<\/span>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<!-- FAQ acorde\u00f3n -->\n<script>\n(function(){\n  document.querySelectorAll('.bpx-faq-question').forEach(function(btn){\n    btn.addEventListener('click', function(){\n      var item = btn.closest('.bpx-faq-item');\n      var isOpen = item.classList.contains('is-open');\n      var toggle = btn.querySelector('.bpx-faq-toggle');\n      document.querySelectorAll('.bpx-faq-item').forEach(function(el){\n        el.classList.remove('is-open');\n        var t = el.querySelector('.bpx-faq-toggle');\n        if(t) t.textContent = '+';\n      });\n      if(!isOpen){\n        item.classList.add('is-open');\n        if(toggle) toggle.textContent = '\u2212';\n      }\n    });\n  });\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Private health insurance in Germany for employees Understand private health insurance in Germany and choose the best option with our help Benefit from better services and personalised care. Find the private health insurance that fits your lifestyle and health needs. Compare tariffs \u2192 Request a consultation \u25cf 100% free \u25cf No obligation \u25cf Certified experts [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2437","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Private Health Insurance in Germany: Costs &amp; RequirementsBramex Plus<\/title>\n<meta name=\"description\" content=\"How private health insurance in Germany works: requirements, costs and benefits. Free advice in EnglishHow private health insurance in Germany works: requirements, costs and benefits. 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