Many expectant mothers ask themselves whether private health insurance (PKV) is the right choice even with a child. It is often assumed that the costs of private health insurance explode during parental leave and that you would be better off with statutory health insurance (SHI). But is this really true?
A comparison of a 34-year-old female employee with a net income of 3,000 euros shows: Private health insurance can also be worthwhile with a child!
Let's look at the 21 months surrounding the birth (9 months before to 12 months after the birth):
In the GKV:
- Income: 52,500 euros
- Less health insurance contributions: 9,602.58 euros
- Total disposable income: 42,897.42 euros
In private health insurance (here using the example of SIGNAL IDUNA):
- Income: 52,164 euros
- Less health insurance contributions: 8,625 euros
- Total disposable income: 43,539 euros
This means: Despite maternity and parental allowance, more money remains in private health insurance. The reasons for this are the lower contributions in private health insurance, especially during parental leave, when income is lower.
But the PKV is not only financially convincing:
- Better performance: Private patients benefit from more comprehensive services, shorter waiting times and greater convenience.
- Individual design: The insurance cover can be individually adapted to your own needs.
- Stable contributions: In contrast to statutory health insurance, where contributions are constantly rising, contributions in private health insurance remain stable in the long term.
Conclusion: Choosing private health insurance is a smart choice, even with a child. The earlier you switch, the longer you will benefit from the advantages.
Would you like to find out more about the benefits of private health insurance? Please contact us for a personal consultation!
#PKV #Private health insurance #Eparental leave #Maternity #Family planning
