Private health insurance advice in Munich · PKV advice online, nationwide
Private health insurance (PKV) – advice in Munich and nationwide. With a system, not tariff chaos.
The right private health insurance doesn't feel like a matter of chance. It feels clear: you know which benefits you get, why the tariff suits your life, and what it will cost in twenty years. That's exactly what this PKV advice is for – in person in Munich, by video call throughout Germany. And as you read this page, you're probably already realising which question you should ask yourself first.
The first step is deliberately small: we check whether private health insurance makes sense for your situation at all – before any talk of an application.
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Briefly answered
Private health insurance – briefly answered.
Four answers you should know before your first conversation. The assessment in each individual case is always based on your personal situation.
Who benefits from private health insurance advice?
For the self-employed, entrepreneurs, managing directors, employees above the statutory insurance threshold, doctors and civil servants. Whether PKV is right for you depends on income, age, health, family planning and the level of cover you want – which is why the advice starts with an assessment, not a tariff. For entrepreneurs, we always review private health insurance together with company provision.
Full health insurance or supplementary health insurance – what's the difference?
Full health insurance replaces the statutory health fund entirely. Supplementary health insurance – such as dental, hospital or daily sickness benefit (Krankentagegeld) cover – adds individual benefits to statutory insurance. Anyone who must or wants to remain in the statutory scheme should look at these supplementary modules.
How does online PKV advice work?
Initial conversation by video, checking the requirements, preparing your health declarations, comparing levels of cover, decision. The process is the same as in the Munich office – except you save yourself the journey.
What does the advice cost?
The advice is part of the brokerage service and free of charge for you. Costs only arise once a contract is concluded – and then only the insurance premium itself.
Short answer
What does this PKV advice stand for?
For structured private health insurance advice in Munich – and for anyone who wants to be advised online, anywhere in Germany. Not the cheapest tariff, not the loudest advertising, but a decision you'll still consider right in fifteen years' time. Imagine already knowing today how your premium will develop in old age. That is exactly the core of this advice.
Our PKV assessment
Check first. Then decide.
Many PKV decisions don't fail because of the tariff, but because of the order in which things are done. Anyone who compares prices first often overlooks what really matters. Our PKV assessment turns that around.
Access & life stage
We clarify whether PKV is fundamentally right for your occupation, income, family planning, need for security and future plans.
Health & application
Health declarations are prepared carefully. Where appropriate, we check in advance how an application is realistically likely to be assessed.
Level of cover
Outpatient, inpatient, dental, medical aids, alternative practitioners, psychotherapy, cover abroad and digital services are assessed in plain terms.
Daily sickness benefit
Daily sickness benefit for the self-employed and entrepreneurs: the solution must take income, ongoing costs and longer periods of incapacity into account – otherwise an illness turns into a liquidity problem.
Premiums & age
Private health insurance in old age: premiums don't rise by chance, they follow rules – ageing provisions, premium-relief tariffs, the statutory surcharge. Anyone who knows these rules before signing decides differently. Make sure you take time for this point in the consultation.
Decision
At the end, there is no list of tariffs, but a clear recommendation: worthwhile, not worthwhile, or not yet ready for a decision.
Cover logic
Strong PKV cover doesn't start with the premium. It starts with the question: what really has to work in an emergency?
Imagine facing a diagnosis, an operation, a lengthy course of treatment, or dentures. That is exactly the moment that shows whether your health insurance only sounded good value – or whether it really carries you through.
Outpatient care
Choice of doctor, reimbursement rates, medication, remedies, medical aids and special forms of treatment.
Inpatient care
Accommodation, medical treatment, hospital services and reliably plannable quality of care in hospital.
Teeth & jaw
Dentures, implants, preventive care, orthodontics and limits in the first few years.
Options & the future
Tariff options, premium relief, switching options, excesses and cover in old age.
Who this page is for
For people who don't want a chance decision when it comes to health.
PKV isn't the right solution for everyone. That's exactly why a thorough assessment is so valuable: it protects you from hasty decisions and shows when private health insurance really suits your life.
Self-employed & freelancers
Private health insurance for the self-employed – with daily sickness benefit that really covers loss of earnings. You bear the income and the risk yourself. That's why, alongside the benefits, the daily sickness benefit also has to be right.
Entrepreneurs & managing directors
Private health insurance for managing directors and entrepreneurs – matched to shareholder status and company provision. You need health cover that fits your responsibility, income, liquidity and long-term provision.
Employees with high income
Private health insurance for employees above the statutory insurance threshold – with an eye on the employer contribution and family planning. The same applies to private health insurance for executives: when time is short and decisions need to hold up. Once PKV becomes an option, it isn't about switching on a gut feeling, but about the right comparison logic.
Doctors & healthcare professionals
Private health insurance for doctors – with a level of cover that matches their own standards in medicine. Anyone who can judge medical quality usually sets particularly high standards for their own insurance cover.
Families & couples
Private health insurance for the family: costs, children, parental leave – what pays off and what doesn't. Family planning, children, spouses and the long-term premium burden need an honest, overall assessment.
Considering a switch to PKV
Switching to private health insurance – requirements, deadlines, health assessment. When an existing tariff no longer fits, what counts is not a quick switch, but a sound assessment of the consequences.
Why Christian Kometer
Because PKV advice takes experience – and the courage to sometimes say no.
If you want to make the right decision on PKV, you need someone who doesn't stop at tariff details, but understands the whole system: health, cover, premiums, life stage, employer contribution, family and the future.
Christian Kometer has worked with health insurance systems since 1992 and has run his Allianz General Agency since 2000. Today, the clear focus is on private health insurance, company health insurance, and company and private pension provision.
Allianz private health insurance advice from us doesn't mean an Allianz tariff is automatically the outcome. It means 33 years of experience in the health insurance system, more than 13,000 advisory conversations – and the courage to say no when PKV isn't the right fit.
How it works
This is how uncertainty becomes a clear decision.
You don't need to know everything. You just need to take the next sensible step. That's exactly what this process is built for.
Orientation
We clarify what you want to achieve and whether PKV is an option at all.
Assessment
Health, status, benefits, daily sickness benefit and premium logic are reviewed in a structured way.
Classification
You see which solution fits, where the risks lie, and which decision would not be advisable.
Implementation
If it makes sense, we support you with the application, documents, communication and ongoing support.
What our clients say
Reliability shows when things get complicated.
Client feedback on support, availability and solutions in insurance and health insurance.
“Great, fast and professional service! The agency has been a reliable partner to me for years. Even in complicated cases involving health insurance, an excellent solution was always found.”
“Great Allianz agency – I've had my insurance, including for my company, there for 20 years now. We always reach someone, everything that can be done gets done, and we receive thoroughly competent support on all insurance questions. Thank you to Mr Kometer, his partners and the whole team.”
“We, Böhmler Einrichtungshaus GmbH, have been working with Mr Kometer and his team on many areas of insurance for many years now. We value the clear communication, the trust and the mutual respect. We are very grateful for his consistently quick, energetic and unbureaucratic support and help with every problem that arises, and for his competent proposed solutions. A partnership that holds up even in challenging times – what more could you wish for.”
FAQ
Frequently asked questions about private health insurance.
A brief orientation before the conversation. The specific assessment is always based on your personal situation.
Who is private health insurance particularly interesting for?
Private health insurance can be particularly interesting for the self-employed, freelancers, entrepreneurs, shareholder-managing directors, doctors, and employees whose income exceeds the statutory insurance threshold. Your personal situation is always what matters most.
What exactly does “Our PKV assessment” check?
Among other things, we check occupational status, health declarations, desired benefits, outpatient, inpatient and dental cover, daily sickness benefit, excess, premium strategy, family planning, options and the risks of switching.
Is the cheapest PKV tariff automatically the best decision?
No. A low starting premium can become expensive later if the benefits, options, excesses or premium development don't fit your life plans. The goal is not the cheapest tariff, but a structure that holds up over time.
How important are health questions and risk pre-enquiries?
Very important. Health declarations must be prepared carefully, completely and truthfully. Where appropriate, a structured risk pre-enquiry can help to better assess the chances of acceptance before an application is submitted.
What should you bear in mind with daily sickness benefit?
Daily sickness benefit should fit your income situation, continued pay entitlement, ongoing costs and your personal liquidity planning. Cover that is too low can lead to financial gaps in the event of a longer illness.
Can PKV also make sense for families?
Yes, but not automatically. Children, spouses, income, family planning, allowance or employer contributions, and the long-term premium burden all need to be considered together.
What happens to premiums in old age?
Premiums can change over time. That's why premium relief, excess, tariff options, reserves and a long-term provision strategy are all considered as part of the advice.
Can you still switch within PKV later on?
A tariff switch may be possible, but it isn't always without consequences. What matters is retaining your benefits, the health assessment, the effect on premiums, and whether a switch really makes strategic sense.
How does the first conversation work?
The first conversation clarifies whether a PKV assessment makes sense for your situation. You won't get a flood of products, but clear guidance on the next steps.
Does Christian Kometer also advise on PKV in Munich digitally?
Yes. Advice is available in person, by phone or digitally. The focus is on an understandable assessment and a sound basis for your decision.
Contact
Start with a PKV assessment – not with a tariff comparison.
Once you've booked the appointment, the first step is already done: together, we check whether private health insurance suits your situation – in person in Munich or online, throughout Germany. No obligation, no application, with a clear answer. Allianz Christian Kometer: private health insurance in Munich and private health insurance advice nationwide – in person or online.
