private health insurance

As a private patient, you benefit from better services such as treatment by a chief physician, shorter waiting times and quick appointments with a specialist. For young self-employed people, employees with high incomes and civil servants, private health insurance (PHI) is often the cheaper alternative to public health insurance (SHI). Unlike the public health insurance, your salary does not play a role in the monthly calculation of contributions

You can freely choose the benefits in your PHI tariff, which means that the best possible medical care is tailored to you personally.
For high-income employees and self-employed persons, private health insurance usually offers better value for money than membership in a public health insurance.
Monthly contributions are calculated based on your age, health status and desired level of benefits.

details

who needs this insurance?

Private insurance is available to:

  • Employee with a gross annual salary higher than €66,600 (as of 2023)
  • Civil servants and civil servant trainees
  • Self-employed persons
  • Students

how much does it cost?

You can freely choose the benefits in your PHI plan. The more benefits you add, the more expensive the plan gets. The price also depends on your age and health status at the time of entry. The average price will be €551 from 2023, 50% of which are covered by your employer.

what does it cover?

The additional benefits of private health insurance offer you some benefits such as:

  • Fast appointment - no more waiting for weeks
  • Chief physician treatment
  • Free choice of doctors and hospitals
  • High reimbursement of dental prosthesis costs
  • Dental cleanings
  • Alternative healing methods