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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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Benefits of the Basis Tarif (Basic Tariff)
The benefits of the Basis Tarif are defined by law and are directly modeled on the statutory health insurance catalogue. They include:
Outpatient treatment by doctors and specialists
Standard inpatient hospital care
Prescription medication and remedies covered under GKV rules
Preventive check-ups according to statutory guidelines
No risk surcharges and no exclusions for pre-existing conditions
The Basis Tarif therefore provides solid, reliable protection – but only at the statutory level, without the enhanced comfort and flexibility typical of standard PKV policies.
Why insurers are reluctant to offer the Basis Tarif (Basic Tariff)
Even though private insurance companies are required to provide the Basis Tarif, they do so reluctantly. The reason is simple:
All pre-existing conditions must be covered without limitation.
No risk surcharges are allowed.
No exclusions are possible.
For insurers, this means high and unpredictable costs, particularly for older applicants with chronic illnesses. From the company’s perspective, the Basis Tarif is less of a business opportunity and more of a regulatory obligation.
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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.
Pros and Cons of the Basis Tarif (Basic Tariff)
Advantages:
Guaranteed access to health insurance, even at an advanced age
Coverage equivalent to statutory health insurance (GKV)
Acceptance regardless of health status
Disadvantages:
No additional PKV benefits such as private hospital rooms or chief physician treatment
Premiums equal to the maximum statutory contribution (not cheaper)
Offered by insurers reluctantly due to cost risk
Conclusion: Basis Tarif (Basic Tariff) – often the last option
The Basis Tarif plays an essential role for individuals over 55 who can no longer enter statutory health insurance in Germany. It provides security and ensures compliance with compulsory insurance regulations, though without the advantages of standard PKV products.
Even if insurers offer it reluctantly, they are obliged to do so – and for many, this represents the only path to proper health coverage in Germany.
We support you with the switch to the Basis Tarif and guide you step by step through the process. This way, you can be confident that you remain protected and fully insured, even if other options are no longer available.
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.
