Germany has a governmental medical assurance system (GKV). A full private sickness insurance (PKV) is only available for individuals who are not obliged to be members of the governmental medical assurance. But everybody has the chance to contract additional private health assurance besides the governmental health assurance. On the market there are several assurers selling these complementary private health insurances. Here you can find a cost-free comparison of insurance suppliers and get your personal complementary private medical assurance quotation: Private Krankenversicherung Zusatzversicherung

A complementary private medical insurance has several advantages:

Every German, who is obliged to be a member of the governmental sickness assurance (GKV), can effect additional private sickness insurance. This applies especially to workers and employees whose salaries are below the GKV assurance limit. The insurance limit is a income of 48,150 Euros per year in 2008. Several companies offer the option of making modulation to the tariff of the active agreement. That is quite useful when your individual standards change over time. Patients should always look for some quotes before choosing your supplementary private sickness assurance provider. That can be done online: Private Zahnersatzversicherung. People with a complementary private health assurance can be treated like private patients. This means that the assurance offerers pay items like glasses and contact lenses. In addition, a patient with a complementary private sickness assurance might get a single room in hospital as well as daily compensation payments for the phase of illness.

The complementary private medical assurance gives additional benefits to members of the national medical assurance in Germany. Private sickness assurance vendors pay items, which are not paid by the statutory sickness insurance. The details are dependent on your personal agreement. The monthly charges of the private health insurance are only dependent on the personal contract and are not calculated in accordance to your income. Everybody, who is not happy with the inferior performance of the national health assurance, should think about contracting supplementary private health assurance. So the patient can get the good feeling to be cured with better treatment and performance in case of sickness. Private patients see the medical bills and know how much is charged. So you can see how much the different items are. As a private insured, you can control the medical checks.

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