Employees
If your annual income is above the compulsory insurance threshold (Versicherungspflichtgrenze), you can switch. Your employer contributes to the premium.
Private health insurance in Cologne
Whether switching to private health insurance (private Krankenversicherung, PKV) is worthwhile for you depends on your occupation, income and family plans. I work through both options with you and show you the SIGNAL IDUNA tariffs.
Who private health insurance is an option for
Self-employed and freelancers
You can choose regardless of income. What matters is a daily sickness allowance (Krankentagegeld) that makes up for your loss of earnings.
Civil servants and trainee civil servants
On top of the allowance (Beihilfe) from your public employer, there is a tariff that covers the remaining costs.
Statutory health insurance members
With supplementary insurance for teeth, hospital stays and a daily sickness allowance, you close the biggest gaps.
What to clarify before switching
Switching is a decision for many years. I go through these points with you before you sign anything.
Health questions
The insurer asks about your state of health. The answers must be complete and correct, otherwise your cover is at risk.
Premiums in old age
Premiums can rise. Ageing provisions (Altersrückstellungen) and premium relief tariffs (Entlastungstarife) cushion this. We plan for it from the start.
Family
In private health insurance, every family member needs their own policy. We work out together how that compares with the free family insurance (Familienversicherung) of the statutory fund.
Going back
Returning to a statutory health insurance fund is only possible under certain conditions, and from the age of 55 it is generally no longer possible.
How the consultation works
The initial consultation is free and without obligation.
Getting to know each other
You write, call or book online. We find an appointment that fits into your day.
Taking stock
We go through your situation and your existing policies and find gaps or duplicate premiums.
Proposal
You receive a clear proposal showing the benefits and the premium. You take your time to decide.
Ongoing support
I remain your contact: for questions, changes and when you have a claim.
In person, by phone or online
My office is at Idastraße 41, 51069 Köln, with step-free access and free parking in the side street. If it suits you better, I can advise you by phone or video call.
I am a tied insurance agent (gebundener Versicherungsvertreter) and exclusively arrange products of the SIGNAL IDUNA Group.
Questions about health insurance
From when can I switch to private health insurance as an employee?
As soon as your regular gross annual income is above the compulsory insurance threshold (Versicherungspflichtgrenze). The threshold is adjusted every year. I check this using your payslip.
Do premiums rise in old age?
Premiums can rise, mainly because of higher healthcare costs. Ageing provisions (Altersrückstellungen) and a premium relief tariff (Beitragsentlastungstarif) counteract this. We discuss both before you sign.
Can I go back to statutory health insurance later?
Only in certain cases, for example if your income as an employee falls below the threshold. From the age of 55, returning is generally ruled out.
How are my children insured?
Each child gets their own policy. Whether that is cheaper than the family insurance (Familienversicherung) of the statutory fund depends on your situation and is part of the advice.
What if I want to stay in statutory health insurance?
Then we look at supplementary insurance: supplementary dental, a single room and treatment by a senior consultant in hospital, or a daily sickness allowance.
Let’s talk about it
Send me a short message saying what it is about. I usually get back to you the same day.
- Online booking
- Choose an available slot
- Phone
- 0176 72619940
- wa.me/4917672619940
- Uygar.Vural@signal-iduna.net
- Address
- Idastraße 41, 51069 Köln
- Hours
- Monday to Friday, 9 am to 8 pm
Evening appointments by arrangement - Languages
- German, Turkish, English
- @vural.solutions