With a trial application for private health insurance, it is possible to submit a non-binding insurance application and find out whether the provider would insure you and at what premium. The following article explains what a trial application is exactly.
Content of the guide
Before a private health insurance company can calculate the final monthly premium for a potential insured person, it must complete a health check. This is because the individual risk of each and every insured person plays a major role in the premium calculation.
If you have pre-existing conditions and would like to know whether different insurance companies would insure you and under what conditions, you can submit a non-binding sample application to the shortlisted private health insurance companies.
The regular private health insurance application is used for a sample application. This can be handwritten or marked as a sample application in the PDF.
A sample application is not binding for the insurer, as there is no final check (e.g. no credit check).
The advantage: If the PKV accepts the sample application, it can be converted into a regular application. For the customer, on the other hand, the sample application is non-binding - they can choose a private health insurance provider and do not have to reject the other providers individually.
Insurance with its many technical terms can be really complicated. Our overview with explanations of the most important terms used in private health insurance helps. Get your free PKV-ABC here!
Our ottonova team of experts has over 40 years of experience in private health insurance and answers questions about it every day. What are old-age provisions and for whom does private health insurance make sense? What is the actuarial interest rate and which tariff is right for you? They know!
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