AXA Krankenversicherung: Your Top Choice for German Private Health Insurance
What Foreigners Need to Know About Health Insurance in Germany
Important: It is mandatory to have health insurance in Germany. All residents must choose between private health insurance (PKV) or public health insurance (GKV) through an accredited German insurance provider.
- Extensive coverage options tailored to your lifestyle
- 24/7 English-language customer service
- Flexible plans for individuals, families, and high-earning professionals
- Fast claim processing with multilingual support
Understanding Health Insurance in Germany
Germany’s health insurance system is divided into two main types:
- Public Health Insurance (Gesetzliche Krankenversicherung, GKV): Available to all residents, with costs calculated as a percentage of your gross salary (14.6%, split equally between employer and employee).
- Private Health Insurance (Private Krankenversicherung, PKV): Accessible to individuals earning over €69,300 annually (as of 2024) or self-employed professionals. PKV provides higher-quality services and additional benefits compared to GKV.
The primary benefits of choosing AXA’s private health insurance include:
- Priority access to specialist doctors and private hospitals
- Single or two-person hospital rooms
- Customizable coverage, including dental and vision care
- Comprehensive international travel health coverage
However, it’s important to consider that PKV can become more expensive as you age or face health challenges. Additionally, dependents are not automatically covered under PKV policies, but AXA offers flexible solutions to address this.
Tip: Not all hospitals and doctors accept GKV. With AXA’s PKV plans, you gain access to a broader network of healthcare providers, ensuring the highest standard of care wherever you are in Germany or abroad.
How to Choose the Right Health Insurance in Germany
When deciding between GKV and PKV, ask yourself the following questions:
- Do I earn above the €69,300 threshold to qualify for private health insurance?
- Do I need English-speaking services?
- Am I planning to start a family or move dependents to Germany?
- Do I prefer the added privacy and flexibility of PKV?
- Will my employer contribute to my private health insurance premiums?
By addressing these questions, you can make an informed choice. AXA offers personalized consultations to help you select the best plan, ensuring that your transition to life in Germany is smooth and worry-free.