DEVK Health Insurance: A Premier Choice for Expats Seeking German Private Health Insurance


Your Complete Guide to Germany Private Health Insurance for Expats and Foreigners



As part of our commitment to assist the international community, The Eye Newspapers (owners of The Germany Eye and The Munich Eye) have established exclusive partnerships with top German insurers, including DEVK. Whether you’re looking for private health insurance in Germany, personal liability coverage, or other types of protection, we are proud to collaborate with one of the most reputable private health insurers in Germany. DEVK is renowned for offering comprehensive health coverage, exceptional English-language customer service, and expert guidance to help expats secure the best private health insurance in Germany for themselves and their families.
In Germany, health insurance is a legal requirement for all residents, regardless of whether you choose private or public health insurance. All individuals residing in the country must have coverage from a legally recognized German health insurance provider.
The Eye Newspapers partners with DEVK and other leading insurance companies to make obtaining Germany private health insurance as smooth as possible. Your feedback is invaluable as we continue to enhance our services for the expat community.

History of DEVK Health Insurance: A Legacy of Trust in German Private Health Insurance

Founded in 1886, DEVK has a rich history of providing reliable and high-quality insurance solutions. Initially created as a mutual insurance company, DEVK has grown into a leading provider of private health insurance in Germany. Over the years, it has expanded its services to include life, car, liability, and other forms of insurance while maintaining a strong focus on customer satisfaction. DEVK's long-standing presence in the German market has earned it a reputation for trustworthiness, making it a top choice for expatriates seeking private health insurance in Germany. Today, the company offers a variety of private health insurance plans that cater to the needs of both locals and expats, with flexible coverage options and extensive benefits. DEVK's personalized approach to customer service, coupled with its commitment to providing excellent coverage, makes it one of the best private health insurance providers in Germany.

Understanding Health Insurance in Germany: German Private Health Insurance vs Public Health Insurance

Germany operates two primary health insurance systems: Public Health Insurance (Gesetzliche Krankenversicherung, GKV) and Private Health Insurance (Private Krankenversicherung, PKV). Both systems are available to residents, but they differ significantly in terms of cost, coverage, and flexibility.

Public Health Insurance (GKV) is the government-funded option, providing basic coverage at a relatively lower cost. In contrast, German private health insurance (PKV) offers enhanced coverage, greater flexibility in treatment options, and quicker access to medical specialists and facilities. To qualify for PKV, individuals must earn more than €69,300 annually (as of 2024), although this threshold can change based on government regulations.

Benefits of German Private Health Insurance (PKV) Include:
  • More comprehensive treatment options, including access to advanced medical technologies
  • Private hospital rooms and faster access to specialized doctors
  • Access to English-speaking doctors and healthcare professionals
  • Some healthcare providers accept only private insurance, ensuring higher quality care
  • For higher-income individuals, PKV may be more affordable than public health insurance in the long term
Considerations When Choosing Germany Private Health Insurance:
  • Premiums can increase with age or pre-existing health conditions
  • The reimbursement process may be more complex and require paperwork in German (DEVK offers support in English)
  • Family members may need to be covered separately, as PKV doesn’t automatically include dependents
  • Some doctors may recommend additional treatments based on your insurance coverage
For expats with dependents, especially non-working spouses or children, public health insurance (GKV) may be more cost-effective, as it covers family members at no additional charge. Public health insurance premiums are based on income and shared between the employer and employee, while Germany private health insurance also benefits from employer contributions.
Not all hospitals or medical providers accept GKV. Ensure your healthcare provider is covered. Additionally, while both GKV and PKV offer coverage for international treatment, PKV generally provides more comprehensive global coverage.

How to Choose the Best Private Health Insurance in Germany

When choosing the right health insurance for your needs in Germany, consider the following factors:
  • Do you have dependents who need coverage? (PKV does not automatically cover family members)
  • Do you prefer greater privacy in your healthcare experience? (PKV often provides private rooms in hospitals)
  • Do you need English-language customer service? (DEVK and other private insurers provide excellent support in English)
  • Are you planning to expand your family or bring a non-working partner to Germany?
  • Do you meet the income threshold to qualify for Private Health Insurance in Germany?
By considering these factors, you can make an informed decision about whether German private health insurance with DEVK is the best fit for you and your family’s needs.
Now that you have a comprehensive understanding of the health insurance options in Germany, fill out the form below to receive more information or to have an agent contact you. Through our exclusive partnerships with DEVK and other leading insurers, The Eye Newspapers ensures you receive top-notch service in English, making your transition to life in Germany smoother and more secure.



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