30 Gute Gründe für die PKV der HanseMerkur
The document is a marketing brochure that lists thirty specific advantages of choosing HanseMerkur’s private health insurance (PKV). It emphasizes the freedom to select doctors and hospitals, high reimbursement rates for dental prostheses (minimum 80 %), therapeutic remedies (minimum 90 %) and vision aids, and extended preventive examinations and vaccinations beyond the statutory GKV standard. It highlights superior psychotherapy coverage, guaranteed benefit levels without cuts, and fixed performance guarantees at contract start. The brochure stresses affordable and stable contributions for employees, self‑employed and civil servants, with low annual adjustment rates (under 0.9 % p.a.) and contributions that remain well below market averages. Age‑related financial safeguards are presented through high reserve funds, special relief tariffs for older policyholders, and premium refunds up to six months, claimed as the highest in the PKV market. Financial strength is underlined by strong balance‑sheet figures and top service‑quality ratings from the German Institute for Service Quality. Additional benefits include a 10 % health discount, low administration costs, a health app and digital services, fast claim processing, direct personal contact, and the company’s long history of over 150 years combined with ongoing growth and innovation. The overall tone is persuasive and enthusiastic, positioning HanseMerkur as a trustworthy, financially stable partner that protects the policyholder’s most valuable asset – their health.
Topics
Freie Arzt- und Krankenhauswahl – uneingeschränkte Auswahl von Ärzten und Kliniken
Policyholders can freely choose any doctor or hospital, including specialist clinics, without restrictions.