Kleingedruckt

Contract terms: duration, cancellation and premiums

Besides benefits, the contract terms matter: duration, notice period, the insurer's right to adjust premiums, health screening and waiting periods. These points decide how flexibly you can switch later. Note that changing supplementary insurance often requires a new health screening. Supplementary insurance falls under the VVG (Insurance Contract Act): insurers may require a health declaration and can refuse applicants, whereas basic insurance (KVG) must accept everyone.

Information only, not advice, no guarantee. The insurers' own documents are authoritative.

How we rank

  1. Minimum contract duration in years (lower is better)
  2. Cancellation notice in months (lower is better)
  3. General waiting period in months (lower is better)

There is no overall score; conditions are shown but not scored.

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