Employees on the annual income limit of 47,700 .- (2007) have merit in either the opportunity, as a voluntary member of the public health insurance or choose to stay for a private medical insurance. Just academics and officials should take an informed and advise them deal with the benefits of private health insurance. This join is still quite a privilege of a private health insurance. For officials and academics generally is the collection of a 2nd and 3 medical specialist opinion in the foreground. Just this place ever greater demands a greater challenge to the private health insurers. Those who earned more than 48,000 a year for which there is the possibility of private health insurance. Especially for academics and officials, this is a form of good insurance. The benefits of private health insurance offer for academics and officials of a large number of benefits, the result of further developments in health care an increasingChallenge to make private health insurance. The wide range of society in the German market offered rates, and provides for the consultant the right choice, see the tariff jungle to a big challenge. A 100% of consultant and co-inquirer is of great importance. Especially the wishes and needs of the interested parties for a private health insurance are important. When academics meeting the above requirements then you can select specifically for the modular principle, the desired benefits and thus significantly affect your contribution. To calculate the premium on the academics in the private health insurance is used, the earnings limit. This mean you’ll pay as a voluntary member of the legal Krankenversichrung the maximum contribution. This can, depending on the fund at about 500th – lie to 600 – Euro. In a young, healthy professionals, this may represent a change to a private health insurance is a savings of 2000 .- per year. And at much better performance.