German PHI is medically underwritten — that means every application involves a health questionnaire. If you have pre-existing conditions, it does not automatically mean rejection. It means preparation.
How underwriting decides
Insurers rate each declared condition individually and decide between three outcomes: standard acceptance, acceptance with a risk surcharge (percentage on top of base premium), or an exclusion for the specific condition. Outright rejection is the exception.
Common conditions and typical outcomes
- Well-managed hypertension: often standard or small surcharge.
- Historic depression, treatment concluded 5+ years: often standard.
- Asthma: mild — standard; severe — surcharge or exclusion.
- Recent surgery: waiting period, then reassessment.
The anonymous pre-check
Before submitting a formal application (which lands in your medical record), we run an anonymous pre-check with several insurers. That way you know your options before your name is on any file.
Based on 11 Google reviews
As an international student, navigating the health insurance requirements can be confusing, but their team made the entire process smooth and stress-free. They were always responsive, professional, and willing to answer my questions.
I have been working with Ms. Fröhlich for several years and I am extremely satisfied. As an outstanding insurance broker, she finds excellent tariffs, and communicating with her makes dealing with insurance genuinely pleasant. Her expertise across all insurance topics makes her an incredibly reliable specialist. I consider myself lucky to have such a competent insurance broker by my side and can recommend her to anyone without reservation.
Nobody enjoys dealing with the topic of insurance. With Ms. Fröhlich by my side that has changed: perfect advice tailored individually to me, always reliable — without ever building any pressure. On top of that, Ms. Fröhlich works in an extremely service-oriented way. Compared to online services, she offers real added value. In short: I'm thrilled. Thank you so much!
Some client reviews have been translated from German into English for better readability. The original reviews are available on our Google Business Profile.
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Editorial Review
Reviewed by our advisory team
This article was prepared with editorial support and professionally reviewed for accuracy, relevance and clarity before publication.
Tina Fröhlich
Founder & Managing Director
Independent German Health Insurance Broker (§ 34d GewO)
Tina is the founder of Happy Expats and a licensed independent broker under § 34d GewO. She specialises in independent PKV strategy for internationals and is legally bound to act in the client's interest.
Joachim Wiedmann
International Health Insurance Advisor
Joachim advises expats, freelancers and employees on German private health insurance. He focuses on making the German system understandable in plain English and matching each client with a tariff that fits their life in Germany.
Happy Expats provides independent guidance on private health insurance in Germany for internationals. Every article is reviewed before publication and updated regularly to help ensure that the information remains accurate and relevant.