Tariff switch
PHI tariff switch – lower premium, same benefits
Stay with your insurer and move to a cheaper tariff – under § 204 VVG. We'll check the savings potential in your contract.
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.
Your right under § 204 VVG
By law you may switch to any other tariff within your existing insurer. Your ageing reserves are preserved.
What we check
- Alternative tariffs at your current insurer
- Benefits compared to your existing tariff
- A sensible deductible
- Premium relief in retirement
The 2-Minute PHI Check
Find Out in 2 Minutes If Private Health Insurance Fits You
Free, independent, and fully in English. See your options with no strings attached.
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Hi! I'm Happy — I'll help you cut through the German health insurance confusion in just 2 minutes. 😊
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