Private vs. Statutory — Which Fits You?

How does this quiz work?

Our quiz evaluates seven key factors to determine whether private (PKV) or statutory (GKV) health insurance is better suited to your situation:

• Income & employment: Your income level and civil servant status determine which options are available to you.
• Family situation: GKV covers family members at no extra cost; PKV requires separate policies for each person.
• Benefits & health: Your preference for premium benefits and any pre-existing conditions influence the recommendation.
• Cost management: How you weigh long-term savings against predictable contribution-based costs.

This quiz provides a first indication and does not replace individual consultation. Your actual best choice depends on many more factors. Book a free consultation for a personalized assessment.