Have a pre-existing condition? Find out which insurers would accept you — anonymously, before anything is recorded against your name.
When you apply for occupational disability (Berufsunfähigkeit), private health (PKV) or life insurance, insurers ask detailed health questions. If an insurer declines you or offers worse terms — a premium surcharge or an exclusion — that outcome can be recorded, and German insurers share certain application information through an industry information system (HIS). A recorded decline can make your next application harder too, even at a different insurer.
In other words: a single direct application at the wrong insurer can damage your chances across the whole market.
An anonymous risk inquiry (in German: anonyme Risikovoranfrage) reverses the order. Before any formal application, we describe your health situation to insurers without your name. They tell us how they would assess you — standard terms, a surcharge, an exclusion, or a decline — and we collect those answers. You see your real options across the market, and nothing is recorded against you.
By design, the anonymous risk inquiry protects your record. No trace, no filing — until you give the go-ahead.
An anonymous risk inquiry is especially valuable if you have a pre-existing condition or a health history and you are considering occupational disability (BU), private health (PKV), or life insurance. It is also useful if you are unsure whether your condition would lead to a surcharge or exclusion and want to know before committing to an application, or if you have already been declined and want to find insurers who would accept you without further damaging your record.
Health data is classified as special category data under Article 9 of the GDPR (DSGVO). It requires explicit consent before it can be processed — and that consent must be freely given, specific, informed, and unambiguous. We handle your health information with the highest standard of care, and we only process it for the purpose of the anonymous risk inquiry. You can withdraw your consent at any time.
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About the author: Sven Chalupa is a licensed insurance broker (Versicherungsmakler) registered with the IHK Berlin (Reg. D-OWVA-2EQX5-48). He provides independent advice to expats and locals in Berlin, comparing 200+ insurance partners. Last updated: June 2026.
This page is for general information and is not individual advice. As an independent broker, we are paid by the insurers, not by you.