Deutsche Familienversicherung: The Trusted Name in German Private Health Insurance


Essential Guide for Expats and Foreigners Navigating Health Insurance in Germany



At The Eye Newspapers, publishers of The Germany Eye and The Munich Eye, we specialize in helping expatriates find the best health insurance options in Germany. Through our exclusive partnership with Deutsche Familienversicherung, we provide tailored solutions to meet the unique needs of the international community. Deutsche Familienversicherung is a leader in German private health insurance, offering responsive service, comprehensive policies, and a deep understanding of expatriate requirements. Founded in 2007, Deutsche Familienversicherung quickly established itself as an innovator in the health insurance industry. As the first fully digital insurance provider in Germany, Deutsche Familienversicherung has revolutionized the insurance experience by streamlining application processes, offering flexible policies, and providing multilingual customer support, including English. Their award-winning service and modern approach make them a top choice for both residents and expats. Deutsche Familienversicherung is known for its exceptional English-language customer service, helping expats navigate the often-complex process of securing the best private health insurance in Germany for themselves and their families.
Health insurance is mandatory in Germany. Whether you choose public health insurance or private health insurance, all residents must have coverage from an accredited German provider.
The Eye Newspapers collaborates with Deutsche Familienversicherung to simplify the health insurance process, ensuring it is seamless and stress-free. Your feedback is invaluable as we work to continually enhance our services.

Understanding German Health Insurance: Public vs. Private

Health insurance in Germany is mandatory for all residents, and there are two main types of coverage available from over 100 providers. Here's an overview of your options:

1. Public Health Insurance – Available to everyone and based on income.

2. Private Health Insurance – Available to individuals earning over 69,300 Euros annually as of 2024 or certain groups like self-employed individuals and freelancers.

What sets private health insurance apart?

Private health insurance offers significant advantages over public health insurance, including:
  • Access to premium medical treatments and medications
  • Private hospital rooms for more privacy and comfort
  • Faster access to top specialists, some of whom exclusively accept private insurance
  • Customizable policies to suit individual needs
However, there are some considerations with private health insurance:
  • Premiums may increase with age or health conditions
  • Paperwork is often required for claims, though Deutsche Familienversicherung offers digital tools to simplify this process
  • Dependents are not automatically covered; separate policies are needed
Public health insurance may be better for families, as dependents are usually covered at no additional cost. Public health insurance premiums are calculated as 14.6 percent of gross salary, shared equally between the employee and employer. If you choose private health insurance with Deutsche Familienversicherung, your employer also contributes to your premiums.
Ensure that your preferred healthcare provider accepts your insurance type, especially with public health insurance. Private health insurance often provides a broader network of doctors and international coverage.

Choosing the Right Health Insurance for Your Needs

On the right, you'll find detailed articles about German health insurance. Use these resources to make an informed decision. Consider the following key questions:
  • Do I have dependents who require coverage?
  • Am I comfortable sharing hospital rooms, or do I prefer the privacy of private insurance?
  • Do I need English-speaking customer support for a smoother experience?
  • Am I planning to bring a non-working partner to Germany?
  • Do I meet the income requirements to qualify for private health insurance?
By answering these questions, you'll gain clarity on which type of health insurance suits your circumstances best. Fill out the form below to learn more or have an agent contact you directly. As a trusted partner of The Eye Newspapers, Deutsche Familienversicherung ensures you receive personalized, high-quality service in English. Their cutting-edge technology and expertise make securing your German private health insurance effortless, giving you peace of mind and exceptional coverage in Germany.



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