Germany has a governmental sickness assurance system (GKV). A full private medical assurance (PKV) is only available for persons who are not obliged to be members of the statutory sickness insurance. But everybody has the opportunity to get a additional private health insurance besides the national sickness insurance. On the market there are several assurance providers selling these supplementary private medical insurances. Here you can find a cost-free comparison of insurance offerers and get your personal complementary private health assurance offer: Private Zahnversicherung
A additional private medical insurance has many advantages:
Every German, who is obliged to be a member of the national medical insurance (GKV), can effect supplementary private medical assurance. This applies especially to workers and employees whose salaries are below the GKV insurance limit. The assurance limit is a salary of 4,012.50 Euros per month in 2008. Many companies offer the option of making adjustments to the tariff of the active agreement. That is very beneficial when your personal needs change over time. One should always compare different quotes before choosing your complementary private medical assurer. That can be done on websites like this one: Private Krankentagegeldversicherung. Persons with a additional private medical insurance can be treated like private patients. This means that the assurers pay items like glasses and adherent lenses. Additionally, a patient with a additional private medical assurance might get a single room in hospital as well as daily compensation payments for the time of sickness.
The additional private health insurance provides additional performance to members of the national medical insurance in Germany. Private sickness assurers pay items, which are not paid by the statutory health assurance. The details are dependent on your individual contract. The monthly charges of the private medical assurance are only dependent on the personal agreement and are not calculated in accordance to your earnings. Everybody, who is unhappy with the poor performance of the national health assurance, should think about contracting additional private sickness assurance. So you can obtain the good feeling to be cured with better treatment and performance in case of an illness. Private patients see the doctors checks 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 bills.