Continentale Private Health Insurance Review

Overview

Founded in 1874 and headquartered in Dortmund, Continentale is a well-established name in the German PKV market. As a Mutual insurer, it brings distinct advantages in terms of how it balances policyholder interests with long-term financial sustainability.

Pros

• Highly flexible and modular tariff design
• Mutual structure with long-term premium stability focus
• Strong network in North Rhine-Westphalia region
• Good value across all age segments
• Solid dental and rehabilitation benefits

Cons

• Limited English-language service
• Less well-known outside Germany
• Digital tools lag behind Allianz and DKV
• Some tariff options complex to compare without a broker

Key Tariffs

Tariff	Level	What it covers
Continentale Premium	Premium	Single room, free hospital and specialist choice, top dental and rehabilitation
Continentale Select	Mid-range	Flexible modules, two-bed room, strong outpatient, deductible options
Continentale Best	Entry	Entry tariff with higher deductible, cost-effective for young healthy applicants

Best For

Applicants who want to customize their policy carefully. Good for NRW-based professionals and families.

Verdict

Continentale is the broker's favourite for clients who want to fine-tune their coverage. Its modular design means you pay for what you actually need rather than a pre-packaged bundle. Without a broker, comparing Continentale tariffs is genuinely difficult. With broker guidance, it can offer excellent value for the right applicant profile.