Continentale Krankenversicherung
Premiums from
EUR 345/mo
Overview
Continentale is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) that consistently offers some of the most competitive PKV premiums in Germany. Their mutual structure means any surpluses benefit members through lower premiums or enhanced coverage.
Key Facts
Founded
1926
Headquarters
Dortmund
Customers
1.3 million
Type
Full comprehensive PKV
Pros & Cons
Pros
- Very competitive premiums with historically stable development
- Mutual association structure keeping costs member-focused
- Strong PREMIUM tariff rated excellent by independent testers
- Good claim-free bonus programs
- Flexible options for deductible adjustment
Cons
- Limited brand recognition outside of Germany
- English-language support is very limited
- Fewer digital innovations compared to market leaders
Coverage Highlights
Full outpatient coverage with free choice of physician
Hospital coverage with choice of accommodation level
Dental coverage up to 80% including prosthetics
Prescription medication coverage with small co-payments
Basic alternative medicine coverage
Annual preventive health check coverage
Tariff Information
Continentale offers the PREMIUM (top-tier), COMFORT, and ECONOMY tariff lines. The PREMIUM tariff provides comprehensive coverage comparable to higher-priced competitors. Deductibles from 0 to 1,500 EUR.
Note for Expats
Continentale's very limited English-language support means expats should definitely work with a bilingual insurance broker. However, their competitive premiums can make the extra effort worthwhile, particularly for long-term residents.
Claims Process
Claims are submitted via the Continentale app or online portal. Processing typically takes 7-10 business days. They offer annual premium refunds for years with low or no claims, which can represent significant savings over time.
Best For
Cost-conscious expats looking for solid coverage from a stable mutual insurer
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