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die Bayerische Private Health Insurance
- English Support: Limited; information and communication are primarily in German
- Digital App / Claims Handling: Digital tools and advisory support available, but processes are often handled through personal consultation
- Best For: Expats who prefer simple tariff structures and are comfortable relying on personal advice during the application process
die Bayerische Private Health Insurance – Company Overview
die Bayerische is a German insurance group offering a broad range of products across health, life, property, and financial services. Within the health segment, the company places a strong emphasis on supplementary insurance, including dental, hospital, and ambulatory coverage.
Comprehensive private health insurance is offered as part of this portfolio but is not structured as a standalone in-house system. Instead, coverage is provided in cooperation with Barmenia Krankenversicherung AG and Gothaer Krankenversicherung AG.
This setup differs from that of traditional private health insurers, which have fully developed in-house tariff systems. It combines access to established insurance products with an advisory-driven approach, where customers receive key details during the application process rather than through fully specified, upfront documentation.
Key Health Insurance Tariffs
die Bayerische private health insurance is based on the einsA tariff series, which is offered in cooperation with Barmenia and Gothaer Krankenversicherung AG. The structure focuses on 5 plans that provide full coverage across outpatient, inpatient, and dental care, with differences mainly in access and comfort levels.
Entry-level tariffs, such as einsA prima and prima+, follow a general practitioner model, in which specialist treatment typically requires a referral. The Plus variant adds enhanced hospital benefits, including accommodation in a 2-bed room and treatment by a chief physician.
Higher-tier options such as einsA expert and expert+ expand coverage further, allowing free choice of doctors and hospitals, higher reimbursement levels, and more comprehensive inpatient care, including one- or two-bed room accommodation and chief physician treatment.
The einsA primex option sits between these structures. It allows direct access to specialists without the need for a referral, adjusting the access model rather than introducing a fully separate tariff level.
Across all tariffs, deductibles are available in defined tiers, and certain benefits, such as preventive care, vaccinations, and dental prophylaxis, are not affected by them. Additional elements, such as sick pay, are arranged separately rather than being included in the core tariffs.
Expat Reality Check
- Defined Access Models: Clear distinction between GP-based access (prima) and direct specialist access (primex, expert)
- Integrated Core Benefits: All tariffs include outpatient, inpatient, and dental coverage rather than separate modules
- Fixed Deductible Structure: Selectable deductible tiers with preventive care and vaccinations not affected
- Telemedicine Access: Digital consultations via the Medgate app are included across all tariffs
- No Proprietary PKV Tariffs: Private health insurance is offered through partner insurers rather than being developed in-house
- Limited Transparency on Core Benefits: Reimbursement levels and differentiation, particularly for dental treatments, are not clearly specified
- Advisory-Driven Setup: Key details are typically clarified during consultation rather than fully documented upfront
- Sick Pay Not Included: Must be arranged separately instead of being part of the core tariffs
- Vision Coverage Not Specified: Not outlined in tariff information and excluded from ambulatory supplementary plans
Dental and Vision Coverage
Dental coverage is included across all private health insurance tariffs, but detailed information on reimbursement levels and differentiation between treatment types is not clearly specified in publicly available materials. While comprehensive dental benefits are indicated, specifics such as percentages for fillings, prosthetics, or implants are typically clarified during the advisory process.
Supplementary dental insurance for those with public health insurance is structured in 3 tiers (Smart, Komfort, Prestige) with clearly defined reimbursement levels. Coverage ranges from around 75% in entry-level plans to up to 100% in the highest tier. Benefits include dental treatment and prosthetics, with higher-tier plans also covering orthodontics for both children and adults, although specific age limits for adult coverage are not stated in the available tariff information. An optional add-on (ZAHN Sofort) allows coverage for ongoing or already planned treatments without waiting periods, potentially reducing additional cost, but it is limited in duration.
Vision benefits are not clearly outlined in the available tariff information. In addition, visual aids are not included in the ambulatory supplementary plans, suggesting that vision coverage is not a core component of the overall offering.
Alternatives to die Bayerische Private Health Insurance
Traditional private health insurers differ in how they structure their tariff systems and the extent to which coverage can be customized or integrated into predefined plans.
- Allianz: Highly customizable tariff structure with a wide range of configuration options
- Debeka: Strong focus on long-term premium stability with a high degree of individual tariff customization
- ARAG: Integrated tariff structure with direct billing not only in hospitals but also with many doctors
Digital providers emphasize accessibility, English-language support, and app-based interaction across application and policy management.
- ottonova: Digital provider offering comprehensive private health insurance tariffs with fully app-based management
- Feather: Expat-focused provider with simplified onboarding and consistent English-language support
- Getsafe: App-based model combining digital access with insurance coverage from partners such as Allianz and Hallesche
die Bayerische differentiates itself through a partnership-based setup, where private health insurance is arranged via external insurers and specific terms are often clarified during the advisory process.
Conclusion
die Bayerische private health insurance is positioned within a broader insurance offering and differs from many traditional providers through its partnership-based setup. Coverage is not presented as a fully detailed, standalone system but is typically structured and clarified within a personal advisory process.
The tariff structure is relatively straightforward, with variations primarily in access to specialists, reimbursement levels, and hospital comfort. Publicly available information on key aspects such as dental reimbursement and vision coverage remains limited.
For expats, die Bayerische is best suited to those who prefer a guided setup and are comfortable relying on personal advice when selecting their coverage rather than comparing fully specified tariffs independently.
Frequently Asked Questions
Does die Bayerische offer its own private health insurance tariffs?
die Bayerische offers its own private health insurance tariffs, but these are implemented in cooperation with partner insurers. The structure and coverage are therefore defined within this partnership model rather than through a fully independent in-house system.
Does die Bayerische private health insurance include optional add-ons?
No, the core tariffs do not include a broad range of optional add-ons. Except for sick pay (Krankentagegeld), which can be arranged separately, most elements are integrated into the tariff rather than configured individually.
Why are dental and vision benefits not described in detail?
Detailed information on dental reimbursement and vision coverage is not fully specified in publicly available materials. Key aspects are typically clarified during the advisory process, which plays a central role in how the product is presented and concluded.
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