Germany has a national sickness assurance system (GKV). A full private health assurance (PKV) is only available for persons who are not obliged to join the national medical assurance. But everybody has the opportunity to get a complementary private medical assurance besides the statutory health assurance. On the market there are a lot of insurance companies providing these additional private health insurances. Here you can find a cost-free comparison of insurers and get your personal complementary private medical insurance offer: Krankenzusatzversicherungen Preisvergleich

A additional private medical insurance has numerous advantages:

Every German, who is obliged to be a member of the statutory health insurance (GKV), can effect supplementary private sickness assurance. This applies especially to workers and employees whose incomes are below the GKV insurance limit. The assurance limit is a income of 4,012.50 Euros per month in 2008. Several companies offer the option of making adjustments to the tariff of the active agreement. That is quite helpful when your individual standards change over time. Patients should always compare different quotations before contracting your supplementary private sickness assurance vendor. That can be done on the Internet: preiswerte Zahnversicherung. Patients with a supplementary private health assurance can be treated like private patients. This means that the assurance companies pay items like glasses and contact lenses. Additionally, a patient with a complementary private medical insurance might get a single room in hospital as well as daily compensation payments for the time of illness.

The additional private medical assurance provides additional advantages to members of the national medical insurance in Germany. Private health assurance suppliers pay items, which are not paid by the national sickness assurance. The details are dependent on your personal contract. The monthly costs of the private sickness insurance are only dependent on the personal contract and are not calculated in accordance to your salary. Everybody, who is not happy with the poor performance of the governmental sickness assurance, should think about buying complementary private sickness assurance. So the patient can obtain the comfortable feeling to have better treatment and performance in case of sickness. Private patients see the medical invoices and know how much is billed. So you can see how expensive the different items are. As a private insured, you can control the medical invoices.