Table of content
Basis Tarif (Basic Tariff) in Private Health Insurance – Chances and Limitations
What is the Basis Tarif (Basic Tariff)?
The Basis Tarif (Basic Tariff) is a special health insurance plan within private health insurance (PKV). It was introduced to guarantee compulsory health insurance in Germany. In terms of benefits, it is closely aligned with statutory health insurance (GKV).
This means: anyone insured under the Basis Tarif receives the same coverage as in the GKV – no more, no less.
Premiums are also linked to the maximum contribution in the statutory system. In other words, the Basis Tarif is not cheaper than the GKV, but roughly the same in cost.
Who is the Basis Tarif (Basic Tariff) for?
The Basis Tarif primarily targets people moving to Germany who must comply with compulsory health insurance rules but can no longer join the statutory system.
This is especially relevant for people over the age of 55. Beyond this age, entering the GKV is usually no longer possible. For them, the Basis Tarif becomes the only realistic entry point into the German health insurance system.
Private insurers are legally obliged to offer this plan and accept applications.
Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
Basis Tarif (Basic Tariff) in Private Health Insurance – Chances and Limitations
What is the Basis Tarif (Basic Tariff)?
The Basis Tarif (Basic Tariff) is a special health insurance plan within private health insurance (PKV). It was introduced to guarantee compulsory health insurance in Germany. In terms of benefits, it is closely aligned with statutory health insurance (GKV).
This means: anyone insured under the Basis Tarif receives the same coverage as in the GKV – no more, no less.
Premiums are also linked to the maximum contribution in the statutory system. In other words, the Basis Tarif is not cheaper than the GKV, but roughly the same in cost.
Who is the Basis Tarif (Basic Tariff) for?
The Basis Tarif primarily targets people moving to Germany who must comply with compulsory health insurance rules but can no longer join the statutory system.
This is especially relevant for people over the age of 55. Beyond this age, entering the GKV is usually no longer possible. For them, the Basis Tarif becomes the only realistic entry point into the German health insurance system.
Private insurers are legally obliged to offer this plan and accept applications.
Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
Basis Tarif (Basic Tariff) in Private Health Insurance – Chances and Limitations
What is the Basis Tarif (Basic Tariff)?
The Basis Tarif (Basic Tariff) is a special health insurance plan within private health insurance (PKV). It was introduced to guarantee compulsory health insurance in Germany. In terms of benefits, it is closely aligned with statutory health insurance (GKV).
This means: anyone insured under the Basis Tarif receives the same coverage as in the GKV – no more, no less.
Premiums are also linked to the maximum contribution in the statutory system. In other words, the Basis Tarif is not cheaper than the GKV, but roughly the same in cost.
Who is the Basis Tarif (Basic Tariff) for?
The Basis Tarif primarily targets people moving to Germany who must comply with compulsory health insurance rules but can no longer join the statutory system.
This is especially relevant for people over the age of 55. Beyond this age, entering the GKV is usually no longer possible. For them, the Basis Tarif becomes the only realistic entry point into the German health insurance system.
Private insurers are legally obliged to offer this plan and accept applications.
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Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
