Oh, if you hold on it, no problem. That's not like any company could be viable against a non-profit public service anyways.
Oh I disagree. I find my private health insurance much more appealing than any of the public non-profit "Kassen" that Germany has to offer.
Does it provide more services than the standard public health insurance ? In this case, of course it's better (for those who can afford it).
Depending on income levels, it's possible that the better quality private insurance in Germany can be a good deal cheaper than the public fees, actually, because the public fees are based on a percentage of income unrelated to risk calculations that insurance companies naturally use. (Or in my case, as my Dad's a state employee that gets 45% coverage from the State of Hesse...(and isn't allowed to be a member of the public system, as far as I know), the insurance is a much better deal than anything the state offers.
At any rate, it's a very good thing that it exists and doesn't allow the state a monopoly. There always needs to be a way to freedom should the state not be able to fulfill its obligations to everyone's satisfaction.