Definition of PKV expectancy cover
PKV expectancy cover (Anwartschaft) protects your health status in private health insurance (PKV) and, with the large version, your entry age, while you are not privately insured. Later, you can return to the tariff without a new health check. It is an option for periods in which you move to statutory insurance.
Value (as of 20 October 2026)
Premiums for expectancy cover depend on the tariff. No figure from the fact base is available.
Example
You switch to statutory insurance for a year, for example through an internship. With expectancy cover, your health status for PKV remains intact. After the switch, you can usually reactivate the tariff within two months after the reason for the switch ends.
Related terms
PKV, health check (Gesundheitsprüfung), actuarial provision (Altersrückstellung), return to statutory insurance (Rückkehr in die GKV).
Further articles
- Is PKV expectancy cover worth it for students? (in German)
- Health insurance after the trainee period: GKV, PKV and expectancy cover (in German)
Sources
Insurance contract law and the tariff terms of the respective insurer. Not a statutory provision from the fact base. As of 20 October 2026.
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
Editorial team: Academycon
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