Independent financial experts
Your PKV request will beforwardedto an independent insurance broker . Insurance broker is anyone who arranges or concludes insurance contracts on behalf of the company according to § 93 HGB (§ 59 para. 3 VVG).
Independent insurance brokers – unlike insurance agents – have no contractual obligations to one or more insurance companies. The activity as an insurance broker is subject to the license requirement according to § 34d Abs. 1 GewO and is given only by the responsible industrial and chamber of commerce (IHK).
The commercial license as an insurance broker is granted only if personal reliability, orderly economic conditions, a professional liability insurance and a corresponding expertise are proven. In addition, insurance brokers are required to register in the register of intermediaries.
You can check the registration of the insurance broker online:
Deutscher Industrie- und Handelskammertag (DHIK) eV
Breite Str. 29
Telephone: 030/30 20308 0
Fax: 030/30 20308 1000
The Internet portal www.pkv-beitrag.net attaches the utmost importance to a neutral and comprehensive offer and therefore does not cooperate with insurance agents who either represent several insurance companies (multiple representatives) or act as exclusive agents for only one insurance company.
Conciliation body for PKV complaints:
Ombudsman Private Health and Care Insurance
PO Box 06 02 22
Telephone: 01802 55 04 44
(0.06 EUR per call from the fixed network or 0, 42 EUR per minute from mobile networks)
Fax: 030/20 45 89 31
The PKV Ombudsman is an independent arbitration board for complaints about private health and long-term care insurance, insofar as these are members of the Association of Private Health Insurance. He is not competent if the same issue is or has already been dealt with before a court, another arbitration board or other body. According to § 214k VVG, the Ombudsman will be recognized as the competent arbitration body for disputes between intermediaries and customers. In this case, the arbitration procedure for insurance brokers and consultants will be charged, complaints about insurance agents, however, will remain free, here the insurer bears the costs.