Health is not luxury. It is predictability.
Statutory benefits do not always go far enough. We check which gap can become expensive.
Health
Classification
Not every add-on is equally important.
Dental, care and sick pay solve different problems. We sort by risk and life situation.
Dental
High co-payments become more predictable.
Care
Care costs often affect the whole family.
Sick pay
Especially important for the self-employed.
The key modules
Dental & prevention
Reduce co-payments before it gets expensive.
Care
Protect family and assets from high care costs.
Sick pay
Protect income when illness lasts longer.
Classification
See the gap first, then choose the contract.
With protection products, the policy is not first. The first question is which loss would really hit income, family or assets.
0%Gap visible
Illustrative: a clean protection plan makes open risks visible before a product is chosen.
Fits especially if
- You are self-employed.
- You want to avoid high dental costs.
- You want to protect family finances.
- You review bKV as employer.
What we check
- 1Statutory and private gaps
- 2Profession and income type
- 3Family care risk
- 4Budget and priority
Income & protection
How your plan becomes complete.
Check health gaps
We show which add-ons make sense and which do not.