Freie Arzt und Medizinkasse Health Insurance: Your Guide to Private Health Insurance in Germany


Everything You Need to Know About Health Insurance for Expats in Germany



As part of a comprehensive service package for the international community, The Eye Newspapers have negotiated exclusive offers for expatriates seeking health insurance in Germany. Whether you need health insurance, personal liability insurance, or other types of coverage, we are proud to partner with Freie Arzt und Medizinkasse, one of the most reputable health insurers in Germany. They specialize in meeting the unique needs of the expat community, offering exceptional coverage, dedicated English-speaking customer service, and expertise in guiding you through the process of securing the best health insurance for you and your family.
It is a legal requirement in Germany to have health insurance. Whether you opt for private health insurance (German: Private Krankenversicherung) or public health insurance (Gesetzliche Krankenversicherung), all residents of Germany must be insured through a certified German health insurance provider.
The Eye Newspapers works closely with Freie Arzt und Medizinkasse to make the health insurance application process as straightforward and user-friendly as possible. We always welcome feedback to improve the service for our valued readers.

How Does Health Insurance Work in Germany?

Germany has a dual health insurance system, comprising over 100 health insurance companies (referred to as Krankenkasse in German). As health insurance is mandatory in Germany, all residents must choose one of the two main types of health insurance (it’s also possible to combine both, though this is uncommon).

The two types of health insurance in Germany are:
Public Health Insurance (Gesetzliche Krankenversicherung, GKV) and Private Health Insurance (Private Krankenversicherung, PKV). The key difference between the two is that Private Health Insurance is typically available only to individuals earning above the annual salary threshold of €69,300 (as of 2024). If you earn less than this amount, you must choose Public Health Insurance. Another major difference is the level of coverage. PKV offers enhanced services, such as:
  • Access to more extensive medical treatments and medications
  • Private hospital rooms with fewer patients sharing the space
  • Some doctors exclusively accepting private insurance patients
  • Premium healthcare services often available at little or no additional cost compared to public options
However, there are also some drawbacks to PKV:
  • The cost of private insurance can increase with age and pre-existing health conditions
  • You will need to handle the claims process directly with your insurer, usually requiring filling out forms in German (although Freie Arzt und Medizinkasse offers English-language support—fill out the form below to learn more)
  • Dependents are not automatically covered, unlike in public insurance
  • Some doctors may prescribe additional medications, knowing that private insurers will cover the costs
Public Health Insurance may be a better option for those with families or dependents, as spouses and children can be included without additional cost. Public health insurance premiums are calculated at 14.6% of your gross salary, with half paid by your employer. Your employer will also pay half of your premiums if you opt for Private Health Insurance.
Not all healthcare providers participate in the GKV system, so be sure to confirm that your preferred doctors or hospitals accept your insurance. While both Public and Private Health Insurance plans cover healthcare abroad, check that your destination country is included in your coverage. Private health insurance (PKV) generally offers more extensive coverage abroad compared to GKV.

How to Choose the Right Health Insurance Plan in Germany?

To assist you in making an informed decision, we have compiled resources that explain the different aspects of both public and private health insurance in Germany. Below are key questions to consider when deciding on the type of health insurance that suits your needs:
  • Do I have dependents or a spouse who is not working? (Public Health Insurance offers family coverage, while Private Health Insurance does not automatically cover dependents)
  • Am I comfortable with sharing a hospital room, or do I prefer more privacy? (PKV provides private rooms with fewer patients in most cases)
  • Do I need English-language services for health-related inquiries? (PKV providers are often more accommodating to English-speaking expatriates)
  • Am I planning to start a family soon or bring a non-working partner to Germany? (Public Health Insurance covers children and non-working spouses)
  • Do I earn over €69,300 annually and qualify for Private Health Insurance?
These questions will help you better understand which health insurance option in Germany—private or public—will suit your needs best.

A Brief History of Freie Arzt und Medizinkasse

Freie Arzt und Medizinkasse (FAM) has been a trusted name in health insurance in Germany for several decades. Founded in the early 20th century, FAM has a long-standing history of providing comprehensive health insurance solutions, particularly to expatriates and individuals seeking private coverage. Known for its flexibility, excellent customer service, and commitment to offering tailored insurance packages, FAM has grown to become one of the most recognized insurers in Germany, with a focus on international residents.

Today, FAM offers a wide range of health insurance plans, including private health insurance, and is known for its efficient claims processing, comprehensive coverage options, and accessibility in multiple languages. With a keen understanding of the unique needs of expatriates, Freie Arzt und Medizinkasse remains a top choice for individuals looking for high-quality private health insurance in Germany.

Now that you have a clearer understanding of the various health insurance options in Germany, fill out the form below to receive personalized information or request a call from one of our agents. The Eye Newspapers are dedicated to supporting expatriates in Germany, and our partnership with Freie Arzt und Medizinkasse ensures that you receive top-notch service in English. Let us guide you through the process of securing the best possible health insurance in Germany.



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