I'm a thirty-something freelance programmer starting a business and paid work will be scarce at the beginning (I will for the next 6 months be living from savings), so money for other expenses is tight.
And this is where the mess of choosing a medical insurance comes in. Regular (GKV) vs. private (PKV)?
I'd just like to have "normal" medical insurance (a free/cheap doctor check + some medicine) if I get stuck with a cold, tooth ache, etc. - don't care about private room in hospital, chief-doctor, money if I stay in a hospital, etc. etc. I'm in perfect health and even though I do live with my steady girlfriend I don't plan to have children in the next 3-5 years. So obviously I'm after a good deal (financially) but I'd also like to be smart about it (+/- a few euros is not that important).
The problem is that you can't really ask "an insurance professional" for help because they'll just refer you to the insurance that pays the highest referral bounty.
I've been reading about it quite a bit online and there is also lots of conflicting info - like regular/GKV seems to be somehow considered better in terms of services offered by a lot of people (especially when you're getting older and kids, etc. + its difficult to go back from private to regular) but on the other hand an equal amount of info states that private insurance wins there. Plus of course (although they officially shouldn't) lots of doctors prefer patients with private insurance. GKV seems to be more expensive once you start earning more than 0 Euros, but I've also read an alarming number of articles ok PKV insurances that started dirt cheap but have doubled in price over a course of 1-2 years.
So what I'm getting at is I guess:
- based on what I've said above - would GKV or PKV be a better fit for me?
- how do you break through the BS/SEO and find a good insurance? I guess since GKVs are for the most part offering the same services, how do you compare PKV services for the money?
- (a dangerous question I know) but whats the absolute cheapest private insurance you know?
- (an equally dangerous one) whats the most stable i.e. best deal private insurance you know (by that I mean the one giving you the most bang for your low low buck and having a good track-record of not going more and more expensive every year)?
- (interesting to compare) who offers the best private insurance no matter the price? and how does this then compare to regular/GKV insurance?
Note 1. that this question is similar but not the same because here we're talking about self-employment where the conditions are also different and you have to pay your full insurance by yourself.