Explore the 2020 German private health insurance (PKV) market trends. While full coverage stagnates, supplemental health insurance (Krankenzusatzversicherung) is booming. Discover which insurers gained the most customers, which lost ground, and what this means for your coverage choices. We also draw key parallels to the US supplemental insurance market (Medigap, Dental, Vision) to provide a complete, actionable analysis for informed decision-making.…

A recent Federal Court of Justice (BGH) ruling clarifies the statute of limitations for reclaiming overpaid premiums after an invalid private health insurance (PKV) rate hike. Learn the critical deadlines and legal requirements for policyholders, with insights applicable to understanding insurance claim disputes in both German and US contexts.…

A landmark German court ruling (OLG Frankfurt) forces a health insurer to pay retroactive benefits despite a late claim notification. Learn why the court deemed the delay 'unintentional' and what this means for policyholders' rights and claim filing obligations.…

Analyst Carsten Zielke assesses which German private health insurers (PKV) are likely to implement premium adjustments (BAP). Discover the key financial indicators used in the forecast and what they mean for policyholder stability.…

The German Actuarial Association (DAV) calls for reforms to prevent severe premium jumps in private health insurance (PKV). Key proposals include lowering adjustment triggers, factoring in low interest rates, and modifying the legal surcharge. Learn how these changes could stabilize long-term costs.…

Were your private health insurance (PKV) premium increases faulty? Learn the legal prerequisites for claiming a refund, understand the 3-year statute of limitations, and discover what documents you need to challenge an invalid contribution adjustment.…

A new study reveals Germany's private health insurance (PKV) sector secures nearly 743,000 jobs and contributes €41.9 billion in economic value. Explore the data on direct, indirect, and induced economic effects, and understand the vital role of private insurers in the healthcare economy.…

Axel Kleinlein of the German Insurance Consumer Association (BdV) joins private insurers in demanding legislative reforms to prevent sharp premium hikes in the PKV system. Discover the proposed changes, including adjusting contribution triggers and the legal surcharge, and what this debate means for the future of private health insurance.…

Discover how Germany's largest public health insurers (AOK Plus, Barmer, TK, DAK) are managing 2022 supplemental contributions. Despite rising costs, premiums remain stable. Learn what this means for policyholders and how it compares to trends in U.S. health insurance and Medicare costs.…

Digital health insurer Ottonova has acquired the analysis portal KVpro.de. Explore the story of this surprising merger, from a critical 2018 review to a strategic acquisition, and what it means for the future of digital health insurance comparison and innovation in Germany and beyond.…

Discover which German statutory health insurance funds (GKV) are increasing their supplemental contributions (Zusatzbeitrag) in 2022, affecting 16.6 million insured. See the full list, compare average rates, and learn why experts warn of a potential 'contribution tsunami' in 2023.…

Germany's statutory long-term care insurance faces a funding crisis, with warnings of a 0.3% premium hike in 2022. Explore the causes—depleted reserves, reform costs—and the impact on individuals, including average out-of-pocket costs now exceeding €2,125 monthly. Learn about the debate between public and private systems.…

Feeling helpless about rising private health insurance premiums? Switching insurers isn't always the answer. Learn expert strategies from Thomas Schäfer on how to optimize your plan internally, understand your rights, and potentially lower costs without losing valuable coverage or age-based reserves. Essential reading for PKV and private medical insurance policyholders.…

A landmark ruling by Germany's Federal Social Court (Bundessozialgericht) ensures health insurers must cover basic medical treatment care for residents in senior and dementia co-housing (WGs). Learn what this means for care costs, insurance obligations, and the future of independent living for the elderly.…

The popular eHealth app Vivy is discontinuing its core health record function due to new regulations. Discover what this means for users, how to export your data, and how Vivy is reinventing itself with new digital health management features like medication tracking and wellness tools.…

Analyzing the latest PKV data: While full-coverage policies see a tenth consecutive annual decline, insurers gain net members from the public system (GKV). Discover the booming growth in supplementary insurance and employer-sponsored bKV plans, and what these trends mean for the future of German healthcare.…

Discover why Employer-Sponsored Health Insurance (betriebliche Krankenversicherung or bKV) is booming in Germany. With 17,500 companies now offering fully employer-paid bKV, learn how this benefit attracts talent, reduces absenteeism, and compares to US employer-provided health plans. Essential insights for businesses and employees.…

The latest report from Germany's Private Health and Long-Term Care Insurance Ombudsman shows a slight increase in customer complaints. Discover the top reasons for disputes—from fee disagreements to medical necessity denials—and learn what this means for your coverage. Essential guidance for navigating PKV issues and understanding your rights.…

Discover which private health insurers (PKV) rank highest in customer satisfaction based on Trustpilot data analysis. Learn about key complaint areas like customer service, see how top insurers like HUK-Coburg and Barmenia perform, and understand the controversies surrounding online review platforms. Essential reading for anyone comparing German PKV or US private health insurance options.…

German statutory and private health insurers have jointly refused to act as enforcers for a proposed COVID-19 vaccine mandate. This article explains their arguments about trust, data privacy, and the separation of healthcare from state control, drawing parallels to debates in the US healthcare system.…