Pikh Consulting
Health insurance debts? We help reduce or waive them
Back-payments, confusing letters, debts from periods without employment or as a self-employed person — we deal with this every day.
Situation diagnosis — 199€. After that, you only pay 15% of the saved amount.
Krankenkasse Schufa Immobilien Firmengründung Beratung Kurse Workshop Krankenkasse Schufa Immobilien Firmengründung Beratung Kurse Workshop Krankenkasse Schufa Immobilien Firmengründung Beratung Kurse Workshop Krankenkasse Schufa Immobilien Firmengründung Beratung Kurse WorkshopWhere do health insurance debts come from?
In Germany, health insurance is mandatory. If you were not officially insured during a period, the Krankenkasse can retroactively demand contributions.
This happens during status changes (employee → self-employed), relocations, insurance gaps, or contribution calculation errors.
The amounts can be very high — from several thousand to tens of thousands of euros. But they can be contested, reduced, or arranged in installments.
You're here because...
The Krankenkasse made a demand — and you don't know what it's for
Contributions were calculated for a period when you thought you were employed or insured
You received a letter from a collection agency regarding Krankenkasse debts
You're self-employed and contributions were calculated too high
You just moved to Germany and already have debts with the Krankenkasse
You're afraid to open letters from the Krankenkasse
Health insurance debts are not a dead end. In most cases, there are ways to reduce the amount or negotiate favorable payment terms.
How the process works
Diagnosis — 199€
You send your documents from the insurer. Oleg personally checks all charges, compares them with your income, finds errors, and builds an individual strategy.
Strategy
We clarify: Can the claim be contested? Is a reduction, installment plan, or partial waiver possible?
Working with the Krankenkasse
We prepare all documents (objection, installment plan application, waiver request) and handle correspondence with the Krankenkasse on your behalf.
Result
You receive confirmation of the reduction or waiver. We take 15% only from the amount actually saved. If it didn't work — you pay nothing.
What's included in the 199€ diagnostics
Oleg personally analyzes your situation and builds an individual strategy. Here's what you get:
Review of insurance documents
- All letters, Mahnung and Bescheid — every claim is analyzed
- Payslips (Lohnabrechnungen) — for employed workers
- Tax returns and BWA — for self-employed
Verification of charges
- Matching contributions to actual income — insurers often overcharge
- Legality of demands for insurance gaps (Lücken)
- Correct calculation considering family status and children
Insurance assessment
- Is switching to private insurance (PKV) worth it? We debunk common myths
- Why simply changing your insurer doesn't solve the problem
Strategy for the future
- How to legally pay less for health insurance
- How to avoid Nachzahlungen (back payments after tax filing)
- Contribution optimization for your business — for self-employed
Debt reduction assessment
- Analysis of the possibility to reduce or write off your debt
- Decision: whether we take your case or not
Diagnostics outcome
- Full picture: what was charged correctly and what wasn't
- Individual action plan — you can act on your own or let us handle it
After the diagnostics, you know your situation exactly, have a strategy, and can make an informed decision. If we see an opportunity to help — we offer to take on your case.
Order diagnosticsCalculate your savings
Set your debt amount and expected waiver rate
If a reduction doesn't succeed — you pay nothing.
Request a consultationAdditional service
Account unblocking
480€
Your bank account was blocked due to Krankenkasse debts? We handle the unblocking — including all documents, applications, and correspondence with the Krankenkasse and the bank.
Processing time: 3–7 business days
Order account unblockingWhat our clients say
I had 11,000€ in debts from a self-employment period. After working with Pikh Consulting, they were reduced to 3,200€. Paid the fee and was happy.
Svetlana M., Hamburg
I got a letter about 6,000€ — I was shocked. Oleg explained there was a calculation error. After 8 weeks, the claim was fully annulled.
Igor V., Düsseldorf
I was afraid to call the Krankenkasse — my German isn't great. Pikh took care of everything. Now I pay 150€/month in installments instead of 9,000€ at once.
Anna T., Köln
317 reviews on Google Maps — all organic
Read reviews on GoogleFrequently asked questions
Letters and notices from the Krankenkasse, income documents for the disputed period, registration certificate. We'll send the complete list after the initial consultation.
On average 4–12 weeks, depending on complexity and how quickly the Krankenkasse responds.
You pay nothing. We work on a success-fee model — only a percentage of the actual result.
Yes. We work with AOK, TK, DAK, Barmer, IKK and other Krankenkassen throughout Germany.
It's harder, but still solvable. Describe your situation — we'll tell you what's possible.
No, we work completely online throughout Germany.
Unfortunately, no. The difference between insurers is only ±5-20€/month. That won't protect you from back payments (Nachzahlungen) after filing taxes. You need a strategy, not just a different insurer. That's exactly what we do during diagnostics.
Not always. There's a lot of advertising online that PKV is cheaper, but in practice it often leads to new problems and debts. Oleg will assess whether it's worthwhile in your specific situation as part of the diagnostics.
Describe your situation — we'll get back to you within one business day
Diagnosis — 199€
Health insurance debts don't disappear on their own — but they can be reduced
Request a consultationRequest consultation
Next Steps
To start, you can simply leave a request for cooperation with us.
We will contact you soon for further details and information.
Our experienced team starts working immediately, analyzes your case and creates a comprehensive solution for you.
Need help? Book appointment here.
Organize a Meeting
We look forward to getting to know you and your team in a joint conversation!