Private health insurance for employees
Expert advice-focusing on you and your interests.
Your personal contact - for everything and anytime.
Personalized counseling in person in Hamburg and Bremen or flexibly online-anywhere in Germany.
Massimiliano Ricci - Financial Consultant
Why private health insurance?
First-class medical care
Access to better specialists and treatment.
Shorter waiting times
Quicker appointments, such as with a specialist.
Individual rates and services
Determine the service package independently.
Possibility of premium refund
Refund in case of non-use of services
FAQ
When is it possible to switch to private health insurance and when does it pay off?
If your gross annual income is above the compulsory insurance limit, you can switch to private health insurance and enjoy better benefits and long-term savings on premiums, while if your income is lower, compulsory health insurance remains in place.
What happens to contributions in old age?
Due to old-age provisions, private health insurance remains stable in old age, and additional options help secure premiums during retirement.
Is private health insurance cheaper than mandatory health insurance?
Yes, private health insurance is often more affordable! While the premium of compulsory health insurance depends on income, private health insurance is based on age, health status and rate: in particular, young and healthy employees benefit from lower premiums and better benefits.
How often are counseling sessions held?
Consultations depend on the situation. If the market situation requires adjustment, I will contact you to ask you to take action.
I do not live in Hamburg or Bremen. Is counseling possible?
I am also happy to offer online counseling to respond flexibly to your needs.
What happens during the first meeting?
I analyze your current situation, including your desires and your financial situation. On this basis, I create a customized concept that is regularly adapted to the market situation and your goals.
Where did you acquire your knowledge?
I am a financial investment specialist and insurance specialist. These qualifications allow me to offer and integral approach to the financial solutions. With years of experience and continuing education, I ensure that I am always up-to-date to offer you the best possible advice.
