
New to Germany? Avoid These Common Health Insurance Mistakes
Section: Health Insurance
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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
Below you will find helpful links to articles that dive deeper into the nuances of German health insurance, covering both public and private options. Once you've reviewed the information, ask yourself the following questions to determine the best plan for your needs:
Reflecting on these questions will help you decide whether PKV or GKV is the right choice for you. Now that you're better informed about German private health insurance, fill out the form below for more information or to have an agent contact 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
Germany is famous for its medical expertise and extensive number of hospitals and clinics. See this comprehensive directory of hospitals and clinics across the country, complete with links to their websites, addresses, contact info, and specializations/services.
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