PHI in retirement
Private health insurance in retirement
Premiums in retirement can be planned – if you start early and plan properly. We'll show you the most important levers.
5.0 / 5 · 10 reviews · English-speaking
Independent advice
No ties to any insurer.
Personal contact
One advisor – start to finish.
Digital worldwide
Video or phone consultation.
Switch or new policy
We guide you the entire way.
Not sure if PHI fits your situation?
Take the free 2-minute PHI Check — independent, non-binding and in English.
Ageing reserves
Every PHI contract builds ageing reserves that cushion the premium increase in old age.
What retirees can do
- Internal tariff switch under § 204 VVG
- Activate premium-relief components
- Check pension subsidies to PHI
The PHI Check
Check your PHI options in 2 minutes
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Happy Expats · PHI Check
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