
New to Germany? Avoid These Common Health Insurance Mistakes
Section: Health Insurance
Compare personalized quotes from leading German insurers
Finding the right private health insurance in Germany requires careful consideration of multiple factors. Each insurer offers distinct pricing models, coverage options, and benefits tailored to different needs and circumstances.
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In Germany, there are two main types of health insurance provided by over 100 insurance companies (called Krankenkasse). Health insurance is mandatory, and you must choose between these two options.
(Gesetzliche Krankenversicherung, GKV)
Available to everyone
(Private Krankenversicherung, PKV)
Available depending on your salary
Private Health Insurance (PKV) is available only if you earn more than €69,300 annually (as of 2025). If your income is below this threshold, you must opt for Public Health Insurance (GKV). The second major distinction is the enhanced service quality typically offered by PKV.
Public Health Insurance (GKV) is typically more suitable if you are married (especially if your partner does not earn an income) or have children, as they will be covered under your policy. The cost of GKV is usually 14.6% of your annual gross salary, with the cost split between you and your employer. If you choose PKV, your employer will still contribute half of the cost.
Note that not all hospitals and doctors are covered under the GKV system, so it's essential to verify coverage before receiving treatment. Both PKV and GKV provide coverage for overseas treatment, but it's crucial to check whether your destination country is included. Generally, PKV offers more extensive international medical coverage.
"Switching to private health insurance in Germany was a big decision. Thanks to your advice and clarity, I felt confident throughout the process. I'm now paying less and getting better service."
— Thomas R., Software Engineer from Munich
"I had no idea where to begin with German insurance, but this team made it so straightforward. They understood my needs as an expat engineer and found the perfect solution for me. The bureaucracy was handled seamlessly."
— Sarah L., Freelancer from Berlin
"Efficient, knowledgeable, and professional. This was exactly what I needed to get covered quickly after relocating for a new job."
— David M., Embedded Systems Engineer from the UK
Now that you’ve gained a solid overview of Germany’s health insurance landscape, it’s time to take the next steps toward finding the best private health insurance plan for your unique situation. Below, we’ve provided links to in-depth guides on both statutory (GKV) and private health insurance (PKV) in Germany. These resources will help you understand the key differences, benefits, and legal requirements associated with each system.
Once you’ve reviewed the above considerations, you're in a strong position to determine whether Private (PKV) or Public (GKV) health insurance is right for you.
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Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
Section: Health Insurance
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