https://maiwerk-finanzpartner.de/assets/en-DqoF54KI.js

1const e={"pkv.seo.title":"PKV Advice – Private Health Insurance | maiwerk","pkv.seo.description":"Independent private health insurance advice on a fee basis. GKV vs. PKV, cost simulation, decision support – without commissions. Also for civil servants.","pkv.seo.og_title":"PKV Advice: Statutory vs. Private Health Insurance | maiwerk","pkv.seo.og_description":"Independent health insurance advice: GKV or PKV? Decision support on a fee basis, without sales pressure.","pkv.seo.ariaLabel":"Private health insurance – independent PKV advice on a fee basis","pkv.seo.breadcrumb":"Private Health Insurance","pkv.seo.schema_service_name":"PKV Advice – Independent Private Health Insurance Consultation","pkv.hero.subtitle":"Independent Insurance Advisors · Fee-Based","pkv.hero.title1":"PKV Fee-Based Advice:","pkv.hero.titleHighlight":"GKV or PKV","pkv.hero.title2":"– make a well-informed decision","pkv.hero.text":"As independent insurance advisors, we advise you on a fee basis – without commissions. Online throughout Germany.","pkv.hero.valueProp1":"A clear decision-making foundation (GKV vs. PKV)","pkv.hero.valueProp2":"Cost simulation instead of guesswork","pkv.hero.valueProp3":"Concrete next steps – without closing pressure","pkv.hero.ctaBooking":"Book free consultation","pkv.hero.ctaProcess":"View process","pkv.hero.ctaPricing":"Pricing & Modules","pkv.hero.footnote":"Initial consultation is free. Then you decide at your own pace.","pkv.nav.definition":"What is PKV fee-based advice?","pkv.nav.warumPkv":"Why especially for PKV?","pkv.nav.provisionRechner":"Commission calculator","pkv.nav.entscheidungsgrundlage":"Decision basis","pkv.nav.ablauf":"Process","pkv.nav.kosten":"Costs & Modules","pkv.nav.checkliste":"Tariff checklist","pkv.nav.faq":"FAQ","pkv.nav.kontakt":"Book consultation","pkv.definition.tag":"Briefly explained","pkv.definition.title":"What does „PKV fee-based advice” mean at maiwerk?","pkv.definition.text1":"You pay us for advice – not for closing a contract. This allows us to honestly tell you if private health insurance isn't the best solution for you right now.","pkv.definition.text2":"PKV fee-based advice means: you pay for advice – not for a contract. This gives you a neutral basis for deciding whether private health insurance, statutory health insurance, or GKV plus supplementary insurance suits you long-term. At maiwerk, it starts with a cost simulation and a clear conversation without sales pressure.","pkv.definition.summary":"In one sentence: fee-based advice means focusing on the decision, not the sale.","pkv.warumPkv.tag":"Background","pkv.warumPkv.title":"Why this makes a particularly big difference with PKV","pkv.warumPkv.text":"PKV is not a spontaneous switch. It's a long-term system decision – with implications for premiums, coverage levels, and flexibility.","pkv.warumPkv.benefit1":"Different compensation logic: advice stays advice.","pkv.warumPkv.benefit2":"You also get the uncomfortable points – understandable and without drama.","pkv.warumPkv.benefit3":"We think in terms of real life: family, self-employment, retirement, security.","pkv.warumPkv.benefit4":"Clean decision logic instead of tariff overload.","pkv.warumPkv.disclaimer":"Many consultations on the market are commission-based – that's not necessarily bad, but the incentives are different.","pkv.warumPkv.conclusion":"If PKV doesn't fit, we'll tell you. That's exactly what fee-based advice is for.","pkv.rechner.tag":"Transparency","pkv.rechner.title":"Why a commission-based advisor might not tell you this","pkv.rechner.text":"Most PKV consultations on the market are commission-based. That's not automatically bad – but it changes the incentives.","pkv.rechner.howItWorks":"How commission compensation works","pkv.rechner.explanation1":"When a PKV contract is signed, a commission advisor typically receives <strong>8 to 10 monthly premiums</strong> as a one-time closing commission.","pkv.rechner.explanation2":"This means: the higher your premium, the higher the compensation. And: there's only payment when a contract is signed.","pkv.rechner.explanation3":"This isn't criticism – it's simply good to know how compensation works before getting advice.","pkv.rechner.calculatorTitle":"Commission Calculator","pkv.rechner.calculatorText":"Enter your potential PKV monthly premium – and see what a commission advisor would earn.","pkv.rechner.inputLabel":"Potential PKV monthly premium","pkv.rechner.inputPlaceholder":"e.g. 450","pkv.rechner.resultLabel":"Typical closing commission:","pkv.rechner.resultNote":"(8–10 monthly premiums, one-time at signing)","pkv.rechner.emptyState":"Enter a premium to calculate the commission.","pkv.rechner.fazitLabel":"Our point:","pkv.rechner.fazitText":"When someone earns €4,000 or more from a signing, it can be harder to honestly tell you: „Stay with statutory insurance.” It's different with us – because we're paid for advice, not for contracts.","pkv.rechner.footnote":"With fee-based advice, you pay for the consultation – regardless of the outcome. This makes it easier to hear uncomfortable truths.","pkv.entscheidung.tag":"Core module","pkv.entscheidung.title":"This is our starting point: Decision basis GKV vs. P

1KV","pkv.entscheidung.text":"Before discussing tariffs, we clarify the more important question: does the system fit your life – today and in 10, 20, 30 years?","pkv.entscheidung.scopeTitle":"Scope of services","pkv.entscheidung.scope1":"Advice on system differences (GKV + supplementary vs. PKV)","pkv.entscheidung.scope2":"Risk assessment (e.g. premium development, flexibility, life planning)","pkv.entscheidung.scope3":"Cost simulation","pkv.entscheidung.scope4":"Personal consultation","pkv.entscheidung.resultTitle":"The result","pkv.entscheidung.resultText":"Afterwards, you have a comprehensible basis on which to decide – without having to be an „insurance professional.”","pkv.ablauf.tag":"Process","pkv.ablauf.title":"How PKV fee-based advice works","pkv.ablauf.step0.title":"Free initial consultation","pkv.ablauf.step0.text":"You briefly describe your situation and questions. We openly tell you which module makes sense – or if you don't need to book anything right now.","pkv.ablauf.step1.title":"Decision basis (GKV vs PKV)","pkv.ablauf.step1.text":"We clarify the more important question: does the system fit your life – today and in 10, 20, 30 years?","pkv.ablauf.step2.title":"Risk pre-inquiry (optional)","pkv.ablauf.step2.text":"If health issues are relevant, we clarify anonymously in advance how insurers assess them.","pkv.ablauf.step3.title":"Product proposals / tariff comparison (optional)","pkv.ablauf.step3.text":"If PKV fundamentally fits, we compare specific tariffs based on your criteria.","pkv.ablauf.note":"You decide after each step whether you want to continue.","pkv.ablauf.footnote":"Initial consultation free. Then you decide whether to book a module.","pkv.kosten.tag":"Transparency","pkv.kosten.title":"Costs & Modules","pkv.kosten.text":"Our prices are fixed and transparent. You can find the complete overview on the pricing page.","pkv.kosten.module1.title":"Decision basis GKV vs. PKV","pkv.kosten.module1.desc":"System comparison, cost simulation, consultation","pkv.kosten.module2.title":"Risk pre-inquiry incl. medical file","pkv.kosten.module2.desc":"Anonymous preliminary assessment by insurers","pkv.kosten.module3.title":"Product proposals","pkv.kosten.module3.desc":"Tariff comparison based on your criteria","pkv.kosten.vatNote":"incl. VAT","pkv.kosten.dateNote":"As of: {date}. Current prices: see","pkv.kosten.pricesLink":"Prices/Terms","pkv.checkliste.tag":"Checklist","pkv.checkliste.title":"What matters when choosing a tariff","pkv.checkliste.item1":"Outpatient & inpatient: what matters to you?","pkv.checkliste.item2":"Choice of doctor / primary physician principle (if relevant)","pkv.checkliste.item3":"Psychotherapy: scope & conditions","pkv.checkliste.item4":"Aids: open vs. limited","pkv.checkliste.item5":"Dental: reimbursement & scale","pkv.checkliste.item6":"Deductible: fitting your daily life","pkv.checkliste.item7":"Premium reduction / modules: worthwhile or just nice to have?","pkv.checkliste.item8":"Options for life changes (e.g. children, self-employment, retirement)","pkv.faq.tag":"FAQ","pkv.faq.title":"Frequently asked questions","pkv.faq.q1":"What is the difference between statutory and private health insurance?","pkv.faq.a1":"Statutory health insurance (GKV) is based on the solidarity principle and depends on your income. Private health insurance (PKV) works with individual tariffs, health checks and long-term premium development. The decision is a system choice with consequences spanning decades.","pkv.faq.q2":"For whom can private health insurance be worthwhile?","pkv.faq.a2":"PKV can make sense for high-earning employees, self-employed people or civil servants who value individual benefits and a plannable structure. It fits especially when income, life planning and health are stable long-term. In a free info call, we'll tell you what information we need and whether it's worth exploring further.","pkv.faq.q3":"What are the long-term risks of private health insurance?","pkv.faq.a3":"The main risks are rising premiums in old age, limited ability to return to statutory insurance and high dependence on your own life development. That's why the decision should always be made long-term, not just based on current advantages.","pkv.faq.q4":"Can I switch back to statutory health insurance later?","pkv.faq.a4":"Switching back to statutory insurance is only possible under certain conditions and often difficult. That's exactly why the decision for or against PKV is a long-term system decision that should be carefully considered.","pkv.faq.q5":"What does PKV fee-based advice mean in practice?","pkv.faq.a5":"With fee-based advice, you pay for the advice itself, not for signing a contract. This gives you an independent assessment, even if the result is that PKV isn't right for you.","pkv.faq.q6":"Why is independent advice particularly important for PKV?","pkv.faq.a6":"Many PKV consultations on the market are commission-based. That means: payment usually only comes with a contract. Independent fee-based advice separates consultation and sales, creating the basis for objective decisions.","pkv.faq.q7":"What is a risk pre-inquiry and why is it important?","pkv.faq.a7":"If health issues play a role, we clarify anonymously in advance how 

1insurers assess them. This helps you avoid unnecessary rejections or surprises in the application.","pkv.faq.q8":"How do I make a good decision between statutory and private insurance?","pkv.faq.a8":"A good decision is not based on individual tariffs but on a structured analysis: life planning, income, risk, flexibility and long-term premium development. Only when the system fits does a tariff comparison make sense.","pkv.faq.q9":"What happens if it turns out that PKV doesn't fit?","pkv.faq.a9":"Then that is exactly a valuable result. You gain clarity and can consciously stay with statutory insurance or use alternative strategies. Good advice helps you make the right decision, not just sign a contract.","pkv.trust.tag":"Trust","pkv.trust.title":"Why you can trust us with this","pkv.trust.point1":"IHK-licensed insurance advisors (fee-based advice)","pkv.trust.point2":"Transparent pricing","pkv.trust.point3":"We explain so you can think along.","pkv.trust.legal":"maiwerk works as insurance advisors under §34d para. 2 GewO on a fee basis (no commissions from insurers).","pkv.berater.tag":"Your contact","pkv.berater.title":"Who will guide you through the PKV decision","pkv.berater.name":"Christian Scharlach","pkv.berater.role":"IHK-licensed insurance advisor","pkv.berater.text":"Christian advises at maiwerk on health insurance – focusing on the question that comes before any tariff comparison: does the system actually fit your life?","pkv.berater.badge1":"Fee-based advisor","pkv.berater.badge2":"PKV specialist","pkv.berater.footnote":"In the free consultation, we clarify whether and how we can help you.","pkv.finalCta.title":"Your next step","pkv.finalCta.text":"If you're currently torn between GKV and PKV: let's sort it out briefly. Afterwards, you'll know what makes sense – and what doesn't.","pkv.finalCta.cta":"Book free consultation","pkv.finalCta.ctaPrices":"View prices","pkv.finalCta.footnote":"No closing pressure. You decide."};export{e as pkvEn};