SIGNAL IDUNA Krankenversicherung
Premiums from
EUR 360/mo
Overview
SIGNAL IDUNA is a well-established mutual insurance group known for offering excellent value in the PKV market. Their tariffs are particularly popular among self-employed professionals and freelancers due to competitive pricing and flexible structures.
Key Facts
Founded
1907
Headquarters
Dortmund
Customers
2.8 million
Type
Full comprehensive PKV
Pros & Cons
Pros
- Competitive premiums with historically moderate increases
- Strong tariffs for self-employed and freelancers
- Excellent customer satisfaction ratings
- Flexible deductible options for premium optimization
- Good coverage for alternative medicine
Cons
- Less international brand recognition than Allianz or AXA
- Digital services are improving but lag behind market leaders
- Fewer English-language resources available
Coverage Highlights
Comprehensive outpatient care with free choice of doctor
Hospital coverage with single room and chief physician options
Dental coverage up to 90% including orthodontics
Prescription drug coverage with no annual cap
Generous vision care allowances
Worldwide coverage for temporary stays abroad
Tariff Information
SIGNAL IDUNA offers the Exklusiv, Komfort, and Start tariff lines. The Exklusiv line provides top-tier coverage comparable to premium competitors. Annual deductibles from 0 to 1,200 EUR.
Note for Expats
While SIGNAL IDUNA is primarily German-focused, they have been expanding their English-language services. Expats should consider working with a broker who can assist with the application process and ongoing communication.
Claims Process
Claims are submitted via the Meine SI app, online portal, or traditional mail. Average processing time is 5-8 business days. They offer a bonus program that refunds a portion of premiums for claim-free years.
Best For
Freelancers and self-employed expats looking for competitive premiums with solid coverage
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