Health insurance

As a high-earning freelancer, you usually ask yourself whether statutory health insurance or private health insurance is the better option for you. In this case there is an individual need for advice.

We offer you this specific advice free of charge.

For freelancers, private health insurance is usually the cheaper alternative and at the same time it offers more insurance benefits than statutory health insurance (Krankenkasse).

You can save up to EUR 450 per month with private health insurance.

In case you generate as a freelancer a monthly income of more than EUR 5.300 you would pay around EUR 850 per month for the statutory health insurance.

In private health insurance, the monthly contributions are usually around EUR 400, depending on your individual needs, which we will analyze with you as part of a free consultation.

In case you generate as a freelancer a monthly income of more than EUR 5.300 you would pay around EUR 850 per month for the statutory health insurance.

In private health insurance, the monthly contributions are usually around EUR 400, depending on your individual needs, which we will analyze with you as part of a free consultation.

Private Health Insurance

Advantages

Coverage

High medical and drug coverage.​

Doctors

Quick appointment with doctors and specialists.

Costs

The cost of the insurance does not vary depending on your income, so if it increases, the monthly cost of your insurance will not increase.

Income

Insured income for illness or recovery from day 43.

Coverage

High medical and drug coverage.​

Doctors

Quick appointment with doctors and specialists.

Costs

The cost of the insurance does not vary depending on your income, so if it increases, the monthly cost of your insurance will not increase.

Income

Insured income for illness or recovery from day 43.

Private health insurance coverage

GENERAL PRACTICIONERS AND SPECIALISTS

  • Appointment with general practitioners and specialists within a few days.
  • Refund of alternative treatment methods.
  • Second specialist opinion in case of serious illness.
  • Refund of costs for glasses / contact lenses or eye surgery. (Depending on the tariff you choose.)
  • Expenses for medication are covered.
  • Treatment in private clinics. Bramex offers the option of making a doctor’s appointment for you.
  • Bramex provides you with a list of English speaking doctors and specialists.

DENTAL COVERAGE

  • 100% coverage for dental treatments.
  • Cleaning and preventive dental treatment.
  • Refund of up to 6 implants per jaw.
  • Up to 90% refund for dentures and dental inlays.

HOSPITALS

  • 100% coverage for services provided by a department head physician.
  • Hospitalization in a single or double room (maximum 2 beds).

LEGAL ADVICE

  • Legal advice in case of suspicion of medical negligence

SICKNESS ALLOWANCE

  • In case of prolonged illness, you have the possibility to use daily sickness allowance, to ensure your income.

Afiliate Partners Of Bramex