Guides
Four tools that help you even without me.
Calculate, look things up, submit an invoice, get a doctor's appointment. All freely available, without registration and without anything in return.
Premium calculator
What does public health insurance actually cost you in 2026? With the supplementary rates of the larger funds, for employees and the self-employed, including the reductions for children and the childless surcharge. The formula is set out openly alongside.
Glossary
From ageing provisions (Alterungsrückstellung) to the supplementary rate (Zusatzbeitrag). Every term with its English and Arabic equivalent — so that you know in any conversation what is being talked about.
Submit an invoice
As a private patient you pay first and are reimbursed afterwards. The process in four steps — and the three pitfalls where it almost always snags.
Find a doctor
How to get a specialist appointment faster as a private patient, which portals actually work — and how to find doctors who speak Arabic or English.
Knowledge
Prefer to read at length?
Eleven articles work through, one after another, what really counts in private health insurance.