Since 1.1.2009, in Germany there is a statutory health insurance. This does not mean that you necessarily have to join a statutory health insurance. You have the privilege to opt for private health insurance (PHI) if you meet certain basic requirements. A private health insurance (PHI) may join freelancers and self-employed (with the exception of artists, journalists and farmers) as well as aid beneficiaries, civil service candidates, officials, judges and soldiers than full insurance. Furthermore, is the private health insurance (PHI), also employees of the health insurance limit of the compulsory health insurance with an annual gross income of € 49,500 (in 2011) open, € 50,850 (in 2012) and students.
The benefits of private health insurance (PHI) is a full-or insurance are obvious. While the benefits of statutory health insurance (SHI) constantly reduced and so are insured in many areas are treated as “second-class patients”, you benefit from a private health insurance (PHI) of many individual design options at competitive fees.