The latest Morgen & Morgen rating reveals a stark divide in Germany's private health insurance (PKV) market. Discover which 5 companies earned the top '5-star' rating, which 10 received a 'weak' or 'very weak' score, and what this means for your policy's security and future premiums. Our analysis covers financial stability, cost efficiency, and the impact of low interest rates on your coverage.…

Explore the heated debate on Germany's long-term care insurance crisis. The German Actuarial Association (DAV) argues a universal 'Citizens' Insurance' (Pflegebürgerversicherung) won't fix the system, highlighting key differences between public (SPV) and private (PPV) models. We analyze cost data, demographic challenges, and what this means for your long-term care planning, with comparisons to US systems like Medicaid and private LTC insurance.…

A surprising poll reveals majority support for a German 'Bürgerversicherung' (Citizens' Insurance) among FDP and CDU voters, challenging party lines. Explore the debate over merging public (GKV) and private (PKV) health insurance, the looming financial crisis, and what it means for the future of healthcare coverage in Germany.…

In 2020, the German Private Health Insurance (PKV) full-coverage market saw a net loss of policyholders. Discover which major insurers like DKV, Allianz, and Bayerische Beamtenkrankenkasse experienced the largest customer attrition, and learn why analyzing policyholder trends is crucial for assessing insurer stability.…

German Private Health Insurance (PKV) gross premium income grew to €42.7 billion in 2020. Discover which insurers like Concordia, Nürnberger, and Debeka recorded above-average growth and analyze key efficiency metrics like administrative and acquisition cost ratios.…

Professional teeth cleaning (PZR) is a popular preventive measure, but German public health insurers (GKV) only offer small, often conditional subsidies. Discover the real costs, the complexities of bonus programs, and why a supplemental dental insurance plan (Zahnzusatzversicherung) is a smart financial move for comprehensive coverage.…

Discover the German Private Health Insurance (PKV) companies with the highest acquisition cost ratios in 2020. We explain why a high ratio isn't always a red flag, exploring factors like company size, product mix, and growth strategy. Essential context for evaluating insurance efficiency and value.…

Explore the 2020 German Private Health Insurance (PKV) acquisition cost ratios. Discover which insurers had the best (lowest) rates and understand the crucial context: why a low ratio might signal business challenges, not just customer-friendly practices. Essential reading for comparing insurance efficiency.…

Private health insurance (PKV) holders in Germany will see a temporary monthly surcharge on their long-term care insurance in 2022. Learn about the COVID-19 related costs, how much more you'll pay, and what it means for different policyholder groups.…

The German Federal Court of Justice (BGH) is reconsidering the legality of remote medical diagnoses. This pivotal case, involving insurer Ottonova, could redefine telemedicine regulations and impact digital health services offered by private health insurance providers.…

Discover the latest independent rating of German Private Health Insurance (PKV) full coverage plans. Learn which insurers offer 'excellent' and 'very good' tariffs for employees, civil servants, and doctors. Our analysis helps you compare PKV plans effectively, understand the rating methodology, and make an informed choice for comprehensive health coverage. Essential reading before you choose a private health insurance policy.…

Exclusive analysis reveals which distribution channel is successfully expanding its share of new private health insurance (PKV) business in Germany. Understand the shifting dynamics between exclusive agents, brokers, and direct sales in the competitive insurance market.…

New 2021 ratings from analysis firm Ascore reveal robust financial health for the German private health insurance (PKV) sector. Discover which insurers received top 'outstanding' scores, how ratings compare, and why financial stability is crucial when choosing your health insurance provider.…

A new financial rating analysis reveals that one-third of German private health insurance (PKV) companies received 'weak' or 'very weak' scores. This article breaks down the methodology, key findings, and what it means for consumers comparing health insurance providers and financial stability.…

Explore the intense battle for existing customers in Germany's private health insurance (PKV) market. Discover which insurers are successfully luring clients from competitors and which are losing the most, based on the transfer of aging provisions. This in-depth analysis reveals the strategies, costs, and market dynamics behind customer switching, essential for understanding PKV competition and making informed insurance choices.…

Discover which private health insurance (PKV) companies received 'excellent' ratings in the latest rigorous balance sheet analysis by Morgen & Morgen. Learn about the key financial metrics, the difference between rating methodologies, and why choosing a financially strong insurer is crucial for your long-term health coverage security.…

Discover why private dental supplemental insurance (Zahnzusatzversicherung) continues its strong growth in Germany, with over 539,000 new policies in 2020 alone. Learn about rising out-of-pocket dental costs, recent statutory coverage improvements, and why more consumers are opting for supplemental protection. Essential reading for understanding dental insurance trends and making informed decisions about your oral health coverage.…

HanseMerkur's Sales Board Member Eric Bussert reveals the insurer is poised for acquisition in the competitive health insurance market. Discover why they remain confident in the future of full health coverage, their views on industry rankings, sustainability regulation, and pension reforms. Essential insights for understanding consolidation trends in German private health insurance (PKV) and the broader insurance landscape.…

Germany's statutory long-term care insurance (Pflegeversicherung) faces a severe financial crisis, with billions in additional costs projected. GKV Vice-Chairman Gernot Kiefer warns of exploding premiums and out-of-pocket expenses without immediate government reform. This analysis explores the funding gap, rising patient contributions, and potential solutions, offering crucial insights for anyone concerned with long-term care planning, whether under German Pflegeversicherung or analogous systems like US Medicaid and private long-term care insurance.…

The latest PKV rating reveals a transparency crisis: 17 out of 30 private health insurers refused to provide data, earning a 'needs improvement' score. Discover which 8 companies achieved 'excellent' ratings and why transparency in premium development is crucial for consumer trust. This analysis is vital for anyone comparing German private health insurance (PKV) options or understanding market standards analogous to US private health insurance evaluations.…