ADVANTAGES OF
PRIVATE HEALTH INSURANCE (PHI)
Comprehensive illness care
You can rest assured: Should illness strike, you’ll be in the best of hands – quickly. Immediate treatment by a specialist, without detours or delay, is one of the central services private medical insurance provides. By affording you access to medical attention in private clinics, you’ll also benefit from the most technically advanced medical care.
Lifelong performance reliability
Private health insurance is not limited to the pre-set catalogue of public health insurance. You personally select your services and can count on receiving the care you need for as long as you need it. Private insurance is uniquely positioned to offer a broader spectrum of treatments than public insurance, as it is not subjected to the same periodic reassessment and restriction of its coverage scope.
Services tailored to your needs
You choose the services you want your Getsafe private health insurance to include. You can determine whether your plan should cover the free choice of practitioners and specialists, single-patient hospital accommodation, comprehensive dental care covering dental prostheses, optometry reimbursements, psychotherapy, as well as complementary and wellbeing practitioners.
FIND OUT IF PHI IS RIGHT FOR YOU
Employees
Salaried employees with an income that lies above the €64,350 compulsory insurance limit (Jahresarbeitsentgeltgrenze) for 2022, are free to opt out of the public insurance system and choose private health insurance. The public health insurance premiums for higher income individuals can reach up to €934 per month. Private insurance can provide greater quality of healthcare while saving you a considerable sum on monthly premiums. Making the change makes sense.
Self-employed
Are you self-employed or a freelancer? Then you get to decide for yourself whether you’d prefer public or private insurance. Private health insurance is especially sensible for those who seek higher quality insurance coverage and are self-employed when they are still young. If you’re slated to pay the highest premiums or want to swim free of demographic shifts, you should consider choosing PHI. You won’t just save money, but also accumulate reserves for old age and even earn sick day allowances. Also, you can flexibly adjust your monthly premiums to suit your budget by raising the excess, for example.
(Future) Civil servants
Over 94% of civil servants choose private health insurance. They do so for good reason: it’s state-subsidised by at least 50%. Special PHI tariffs even cover part of their excess, making private health insurance a very affordable option for those planning a career in civil service.
How does this compare with the option of public health insurance? Most states don’t subsidise public health insurance at all and public servants must pay the full premium. Of course, the more you earn, the higher your premiums get.
WHEN DOES PHI
MAKE SENSE?
WHY GETSAFE?
Personalised cover
We hand-pick and recommend the cover that best fits your needs. So what you get is a policy that does what it’s supposed to: cover you for life’s unexpected turns. Fair and simple.
Expert advice
We believe that you can only make good decisions if you get the whole picture. That’s why our experts are happy to give you advice: free of charge, no strings attached. And without any insurance blah blah.
Curated quotes
We do the hard work reviewing quotes from only the best insurers, so you don’t have to. Count on it: All the policies we recommend are suited to your needs. This makes choosing the right insurer a breeze.
3 EASY STEPS TO EXCELLENT HEALTH CARE
Our team is here to guide you through the process.
1. Have your needs checked
Let our consultants advise you on your personal situation and we’ll give you recommendations based on your needs.
2. Choose your insurer
We’ll carefully select the most suitable policies for you from the best value insurers on the market. And we help you decide which to go with.
3. Apply when you’re ready
When you’ve reviewed your offer, we’ll double-check the details together and then pass your application to the insurer. Done!