KVoptimal.de GmbH has specialized in objective PKV and personal consulting since 2012. The focus is on the holistic view of the supply structure of the customer. In the first step we examine the private health insurance contract and examine for... weak points. The result is communicated promptly, in writing. Gaps in coverage (option to change tariff, elimination of PKV contribution at retirement age, optimization of continued payment of wages in case of illness, etc.). For you as a customer, the added value is that we do not work on a commission basis, but work exclusively from the customer's point of view. If desired, we can extend our consulting services to include occupational disability insurance and retirement planning. In context, we purposefully achieve that you have chosen the best tariff for you with your insurer. We guarantee that. In addition, you will receive seamless coverage for disability, occupational disability and retirement.
PKV vulnerability analysisPKV tariff changeOptimization of continued payment of wages in the event of incapacity for workOptimization of provision for occupational disabilityPlanning of retirement provision structureVery good coffee for customers in the officeTariff change
The ProvenExpert Quality Seal is awarded to service providers who have received at least 10 customer reviews with a recommendation rate of 90% or higher.
Mr. Liesegang responded very professionally to my questions and had competent answers to all of them. I was also made aware of various risks and problems without being asked. I am glad to have chosen the route via KVOptimal. The bureaucratic effort alone to change tariffs within a health insurance company would have cost me a lot of time.
It was a friendly conversation in which my wishes and my situation were addressed specifically without trying to force an order with advertising and/or arguments. Great advertising for the company. I will be happy to pass on the positive impression to friends and acquaintances when discussing the subject.
The consultant made a very competent impression and I felt that I was taken seriously. The statements were focused on the essentials and results-oriented. The time allotted (1 hour) was very generous.
Unfortunately, Mr. Liesegang never sent the promised offer after a very good consultation and several inquiries, and never even replied. Perhaps I was not interesting as a customer, if so he could at least have said so
The calculation models were not sent to me before the meeting, although I told their service team that I must have looked at the documents before the meeting, which I was promised, but still did not work out.
The 3 proposed alternatives had savings potential but outrageous performance restrictions.
I thought I would get offers with the same range of services. Too bad!!!! That was nothing!!!
Thank you for your review. As the founder of KVoptimal.de, I take such representations seriously. That's why I took a look at your contract and compared it with your comments.
To the point:
No customer gets the results presentation in advance. The reason for this is that most customers have little experience in the private health insurance sector and therefore make difficult long-term decisions. Such decisions can often no longer be corrected. For this reason, we always discuss the documents in a brief meeting.
Let's take your private health insurance contract as an example. What do I see when I check your contract? I notice technical deficiencies in the drafting of the contract.
You are an employee and have taken out a plan with a deductible of 1,500 euros. Compared to a similar plan without a deductible, this saves you around 250 euros a month. The employer subsidy and the tax advantage must then be deducted from this. In fact, you only save approx. 75 euros per month with a 1,500 euro excess. You have accepted 1,500 euros SB in order to save 900 euros per year. Conversely, you would only pay 75 euros more per month and could switch to all HUK tariffs without a health check. For this reason, it is important to plan your private health insurance for decades.
But there are at least three other disadvantages in your contract:
1. the HUK has only "two" other tariffs with 1,500 euros SB. You have massively restricted your choice of tariffs due to the high deductible and will practically no longer be able to choose a tariff with a lower deductible in the future. The reason: A reduction in the deductible is always an improvement in benefits and leads to risk surcharges when changing tariffs within the company if illnesses exist. Simple high blood pressure is sufficient, even if it is controlled with medication. But even a "one-off" massage is sufficient to receive a surcharge.
2. disadvantage at retirement age: tariffs with a high deductible are not cheap because fewer benefits are insured, but because fewer provisions are made. If private health insurance becomes unpleasantly expensive when you retire, you can hardly achieve any discounts if you downgrade benefits or switch to weaker tariffs. You have effectively decided to have low-cost insurance during your working life. Most people would like to have low-cost private health insurance when they retire.
3. tariffs with a high deductible increase in the long term just as much as tariffs with a low deductible. Insured persons then have a high premium and a high deductible, but far fewer opportunities to change tariff.
However, there are other points about your contract that should be discussed:
You have not taken out sick pay. At least not with HUK. If you are unable to work, you must pay the private health insurance contract and the contribution to statutory pension insurance privately. In the event of long-term incapacity for work, the only option is to liquidate your private savings.
You have taken out supplementary long-term care insurance. This policy is not eligible for an employer contribution and is actually only necessary if you have a low level of financial provision at retirement age. In addition, the tariff pays nothing if you reach care level 1 or care level 2. PG2 in particular comprises the largest group of care benefit recipients (source: statista.de). I understand if you want to insure yourself against long-term care. But why are you excluding the most important care levels? But it is also wrong to cancel the module now. I'm sure you know why.
HUK offers a tariff that can be subsidized by the employer, which reduces the premium at retirement age. You currently have "a lot" of employer subsidy free (over 200 euros per month) and can leverage savings into retirement age. At retirement age, a reduction in private health insurance contributions has a much greater impact than it does today.
To your accusations:
As I said, no customer gets an upgrade in advance. The meeting is there to show you and tell you what is possible. Afterwards you have unlimited time to decide whether you want to change your tariff. ...and you can also book us for an unlimited number of meetings. Free of charge. Costs only arise if you change your tariff.
There are also no outrageous reductions in service. What is true, however, is that the alternative tariffs have a primary doctor principle, for example. However, this is not a reduction in benefits, but rather an organizational hurdle. The optional services have been removed for this purpose. From a medical point of view, a single room or a private doctor in hospital is unimportant. Hospitals charge according to flat rates per case. This also covers senior physicians or specialists. In contrast, your current tariff (e.g.) only covers benefits of 2,000 euros for medical chairs. Lasik surgery up to 500 euros per eye. Your tariff has a whole series of shortcomings that you should at least be aware of.
As you can see, it makes sense to talk to us about private health insurance. However, your assessment is not correct.
If you have any questions about the brief analysis, please feel free to email me: b.kotzan@kvoptimal.de
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Profile active since 03/14/2018 | Last update: 03/17/2024
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Thank you for your review. As the founder of KVoptimal.de, I take such representations seriously. That's why I took a look at your contract and compared it with your comments.
To the point:
No customer gets the results presentation in advance. The reason for this is that most customers have little experience in the private health insurance sector and therefore make difficult long-term decisions. Such decisions can often no longer be corrected. For this reason, we always discuss the documents in a brief meeting.
Let's take your private health insurance contract as an example. What do I see when I check your contract? I notice technical deficiencies in the drafting of the contract.
You are an employee and have taken out a plan with a deductible of 1,500 euros. Compared to a similar plan without a deductible, this saves you around 250 euros a month. The employer subsidy and the tax advantage must then be deducted from this. In fact, you only save approx. 75 euros per month with a 1,500 euro excess. You have accepted 1,500 euros SB in order to save 900 euros per year. Conversely, you would only pay 75 euros more per month and could switch to all HUK tariffs without a health check. For this reason, it is important to plan your private health insurance for decades.
But there are at least three other disadvantages in your contract:
1. the HUK has only "two" other tariffs with 1,500 euros SB. You have massively restricted your choice of tariffs due to the high deductible and will practically no longer be able to choose a tariff with a lower deductible in the future. The reason: A reduction in the deductible is always an improvement in benefits and leads to risk surcharges when changing tariffs within the company if illnesses exist. Simple high blood pressure is sufficient, even if it is controlled with medication. But even a "one-off" massage is sufficient to receive a surcharge.
2. disadvantage at retirement age: tariffs with a high deductible are not cheap because fewer benefits are insured, but because fewer provisions are made. If private health insurance becomes unpleasantly expensive when you retire, you can hardly achieve any discounts if you downgrade benefits or switch to weaker tariffs. You have effectively decided to have low-cost insurance during your working life. Most people would like to have low-cost private health insurance when they retire.
3. tariffs with a high deductible increase in the long term just as much as tariffs with a low deductible. Insured persons then have a high premium and a high deductible, but far fewer opportunities to change tariff.
However, there are other points about your contract that should be discussed:
You have not taken out sick pay. At least not with HUK. If you are unable to work, you must pay the private health insurance contract and the contribution to statutory pension insurance privately. In the event of long-term incapacity for work, the only option is to liquidate your private savings.
You have taken out supplementary long-term care insurance. This policy is not eligible for an employer contribution and is actually only necessary if you have a low level of financial provision at retirement age. In addition, the tariff pays nothing if you reach care level 1 or care level 2. PG2 in particular comprises the largest group of care benefit recipients (source: statista.de). I understand if you want to insure yourself against long-term care. But why are you excluding the most important care levels? But it is also wrong to cancel the module now. I'm sure you know why.
HUK offers a tariff that can be subsidized by the employer, which reduces the premium at retirement age. You currently have "a lot" of employer subsidy free (over 200 euros per month) and can leverage savings into retirement age. At retirement age, a reduction in private health insurance contributions has a much greater impact than it does today.
To your accusations:
As I said, no customer gets an upgrade in advance. The meeting is there to show you and tell you what is possible. Afterwards you have unlimited time to decide whether you want to change your tariff. ...and you can also book us for an unlimited number of meetings. Free of charge. Costs only arise if you change your tariff.
There are also no outrageous reductions in service. What is true, however, is that the alternative tariffs have a primary doctor principle, for example. However, this is not a reduction in benefits, but rather an organizational hurdle. The optional services have been removed for this purpose. From a medical point of view, a single room or a private doctor in hospital is unimportant. Hospitals charge according to flat rates per case. This also covers senior physicians or specialists. In contrast, your current tariff (e.g.) only covers benefits of 2,000 euros for medical chairs. Lasik surgery up to 500 euros per eye. Your tariff has a whole series of shortcomings that you should at least be aware of.
As you can see, it makes sense to talk to us about private health insurance. However, your assessment is not correct.
If you have any questions about the brief analysis, please feel free to email me: b.kotzan@kvoptimal.de
Björn Kotzan
founder