Have you completed your studies or training. The health insurance is essential in today’s world. In general, for all workers and employees in pension schemes provided that the income of the person concerned does not exceed a certain limit (currently 3937.50 euros). Who earns more, you can either choose to remain in the statutory insurance or take out private insurance. It is thus offers you the question of what health insurance you should finalize. A private health insurance (PKV) offers superior protection for higher income workers, civil servants and professionals. More specifically, can be employed for private health insurance, if your gross – monthly income (that is 3937.50 Euros) for the third year in a row, has exceeded the mandatory limit. If self-employed, freelancers and artists’ income plays no role for a member of a private health insurance to be. Last Beneficiaries of reimbursements and other officials like judges,Parliament – the Bundestag and the ability to be able to insure themselves privately. Generally, private insurance companies to take a picture of health and age of the prospective subject. It is also crucial, he who is once in a private insurance, only in a few exceptional cases, again, go back to a statutory health insurance. There are different types of insurance. Depending on the size of private insurance may be) between a full insurance (complete coverage of medical expenses, a part of this insurance (when the hedge of a portion of medical expenses) and a supplemental (additional risks are hedged to choose health insurance). Among the supplementary travel health insurance and include, for example, the daily sickness benefit. The following are private full backup is described in detail. You should never go into a private health insurance (PKV), if you can have neutral advice beforehand. For example, either by the Confederation of insuredor by having informed themselves in the form of brochures and marketing material. The advantages of a private health insurance can offer you, speak for themselves. The range of services is in fact much more extensive than for statutory health insurance. Depending on the decision, for which tariff you choose, you can thus even the different services that you wish to have present at your plan to choose. What benefits can you enjoy a private health insurance, are mentioned below. The outpatient services include the following: You can freely choose your doctor. You’ll also have a short waiting times by appointment. In addition, you can always change your doctor without a referral. You also have the advantage of the latest (try especially alternative or very expensive) treatments and get the latest prescribed medications. You get all the drugs without prescription. Added an additional payment for all drugs and medicines free. They have not onlya free choice of doctor, but you have the opportunity to go to a healer, provided the appropriate medical practitioners have an admission requirement. If you need new glasses, then reimburse you for non-reflective, private health insurance costs and even tinted glasses. Reimbursement for eyeglasses amounts between 100 and 250 euros. Even for hard and soft gas permeable contact lenses to recover the costs carried by the insurance. Your private insurance is Europe – or worldwide, without having to pay an additional amount. The inpatient services include the free choice of hospital. They are dealt with by the chief physician beyond. Your accommodation is in the one – or twins. You can also get daily hospital benefit and have no co-payment to bear the hospital costs. Here too there is a Europe – or worldwide coverage with no excess. The dental services include free choice of dentist. There will be a reimbursement of up to 100% fora Zahnbehandelung. Inlays are also reimbursed it. Also carried out atdental reimbursement of costs up to 100%. This area also expensive implants and dentures. If orthodontic treatment is to be reimbursed for the cost of up to 100%. The benefits of long term care insurance be in accordance with statutory requirements. The sick pay in line with the agreed rate of sick days until the full benefit insurance net income.