Signal Iduna Private Krankenversicherung

Signal Iduna Private Krankenversicherung is a health insurance plan from Signal Iduna, available to residents of Germany. Sum insured ranges from varies, eligible ages 18 to 55, and the policy is lifelong. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at €300, against a category median of €300 across the 7 comparable health plans we track in this country. That places Signal Iduna Private Krankenversicherung in the middle of the pack on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 5 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by Signal Iduna include PKV – private insurance for self-employed/high earners, Single room hospitalization, and Direct specialist access. On the rider side, Signal Iduna Private Krankenversicherung can be extended with Daily hospital allowance and Abroad cover upgrade — each adding to the base premium but also widening what the policy will pay out for.

Where Signal Iduna Private Krankenversicherung explicitly will not pay: Pre-existing (underwriting) and Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.