Personal insurance -
A carefree future starts here

Private health comprehensive insurance provides you with individual protection and comprehensive medical care tailored to your needs. Unlike statutory health insurance, private health insurance offers you a variety of additional benefits and choices.

With private health insurance, you have the opportunity to customize your insurance coverage to suit your needs. You can choose from different plans that match your requirements. This often includes comprehensive medical care, the freedom to choose your own doctor, and access to specialized treatments and medical facilities.

Private health insurance often allows for quicker appointments with specialist doctors, diagnosticians, and in hospitals. This can reduce waiting times and ensure more prompt medical care.

In addition to standard medical care, private health insurance often includes extras such as private hospital rooms, alternative healing methods, or treatment by the head physician.

Unlike statutory health insurance, with private health insurance, you can customize your insurance coverage individually. This gives you a wider range of benefits and extras that match your personal needs.

Supplementary health insurance policies are voluntary insurance plans that you can take out in addition to your statutory health insurance. They provide additional benefits that go beyond the standard coverage of statutory insurance. This can mean that you have access to better medical services, shorter waiting times, and more comfort in case of illness.

Supplementary health insurance includes, among others, dental insurance, hospital insurance, daily sickness allowance insurance, hospital per diem insurance, outpatient supplementary insurance, vision aids supplementary insurance, and long-term care supplementary insurance.

A private long-term care insurance is a crucial part of your financial security, ensuring you are financially protected in the event of requiring long-term care. It provides support and peace of mind, allowing you to rely on good care even in challenging times.

Statutory long-term care insurance covers basic care services, but often the level of benefits may not be sufficient to cover all costs. Private long-term care insurance typically offers higher or supplementary benefits and may also include additional features like one-time payments in the event of long-term care needs. This helps reduce financial burdens for you and your family.

Long-term care insurance considers different care levels, depending on the individual's care needs. It can cover costs for home care, outpatient services, or institutional care, depending on the needs of the care recipient.

It is advisable to consider supplemental private long-term care insurance early on to be well protected in case the need arises. The earlier you plan for this, the better you can prepare for potential long-term care expenses.

Life insurance is an essential component of financial planning, providing comprehensive protection for you and your family.

There are different types of life insurance, such as term life insurance, which pays out only in the event of death, and whole life insurance, which includes a savings component.

Depending on your life situation, life insurance policies can be flexibly structured. They can be adjusted to accommodate changes and often offer the option to include additional riders to enhance the insurance coverage.

In a world where the future of state pensions is uncertain, private pension insurance is becoming increasingly important.

Private pension insurance is a form of retirement planning where you make contributions over a defined period. The accumulated capital is typically invested and generates returns.

Two popular options for retirement planning in Germany are the Riester pension and the Rürup pension. Both offer specific advantages tailored to different needs.

At the start of the retirement phase, depending on the type of pension insurance you have, you have the choice between a lifelong monthly pension or a partial or full lump-sum payout.

Private pension insurance is suitable for anyone who wants to actively prepare for retirement. It is especially relevant for self-employed individuals, freelancers, and those who wish to supplement their statutory pension.

Disability insurance is a crucial tool to safeguard your income and quality of life in case you are unable to work in your profession due to health reasons. It provides you with financial support and security if you become occupationally disabled due to illness or accident.

Disability insurance pays you a monthly benefit when you are unable to continue working in your profession due to illness or accident.

This financial support helps you maintain your standard of living and cover ongoing expenses even when you can no longer work.

The amount of the disability benefit is determined individually and is based on your current income and personal needs. You can tailor the insurance coverage to match your financial situation.

Accident insurance is an important component of your protection plan and provides coverage in case you are injured in an accident. It helps mitigate the financial consequences of an accident and safeguards you and your family against unexpected events.

Accident insurance pays out a predetermined sum of money in the event of accident-related injuries that result in permanent disabilities or even disability. This benefit can help manage the financial consequences such as medical expenses, rehabilitation, or adjustments in daily life.

Accident insurance provides worldwide and 24/7 protection, regardless of whether the accident occurs during leisure activities, at home, at work, or abroad.

Accident insurance can be customized to individual needs. You can include additional benefits such as disability capital, hospital per diem benefits, or accident annuities to enhance your coverage.