Inter Krankenversicherung: Premier Provider of German Private Health Insurance
What Foreigners Need to Know About Health Insurance in Germany
As part of our commitment to the international community, The Eye Newspapers have negotiated exclusive deals for foreigners seeking to secure health insurance in Germany. Whether you're in need of private health insurance or other forms of coverage like personal liability insurance, we have partnered with top insurers who specialize in serving expatriates. These insurers understand the unique needs of expats, offering comprehensive coverage, English-speaking customer service, and expert guidance in navigating 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 or public health insurance, all residents of Germany must obtain coverage through a German-accredited insurer.
The Eye Newspapers works closely with these leading insurers to ensure that the application and service processes are as simple and user-friendly as possible. Your feedback is always welcome, as we aim to provide the best possible experience for all customers.
The first option is Public Health Insurance (Gesetzliche Krankenversicherung, GKV), which is available to everyone.
The second option, Private Health Insurance (Private Krankenversicherung, PKV), is available to individuals who meet specific criteria, such as a higher annual income. Let’s explore the key differences between these two systems.
The primary difference is that private health insurance is only accessible to those who earn over 69,300 EUR per year (as of 2024). If your income is lower than this threshold, you must choose public health insurance. The second major difference is the higher quality of service offered by PKV. Some of the benefits of being privately insured include:Not all hospitals and doctors are included under the GKV system, so it’s important to check before accepting treatment. Additionally, while both public and private health insurance cover treatment abroad, the list of countries covered is broader under private health insurance (PKV).
Now that you are familiar with the requirements and the advantages of the different types of health insurance in Germany, complete the form below to receive more information or to arrange for an agent to contact you. Our service, in partnership with The Eye Newspapers, is dedicated to guiding you through the process of securing the best health insurance for you, in English. Our partners have made this process straightforward for our readers, and you’ll be pleasantly surprised by how easy it can be.
It is a legal requirement in Germany to have health insurance. Whether you opt for private or public health insurance, all residents of Germany must obtain coverage through a German-accredited insurer.A Brief History of Inter Krankenversicherung
Inter Krankenversicherung, founded in 1995, is one of Germany's leading providers of private health insurance. Over the years, the company has earned a reputation for delivering tailored health insurance solutions that cater specifically to the needs of expatriates living in Germany. With a strong commitment to customer care, Inter Krankenversicherung offers flexible coverage options that suit a variety of lifestyles and health needs. The company focuses on providing high-quality service, ensuring that their clients receive the best possible care in the complex world of German health insurance.
Known for their customer-oriented approach, Inter Krankenversicherung has built long-lasting relationships with expatriates by offering comprehensive and affordable health insurance plans. Their expertise in handling the requirements of the international community, coupled with their English-speaking support services, makes them a preferred choice for foreigners living and working in Germany.
How Does Health Insurance Work in Germany?
In Germany, there are two main types of health insurance available, provided by over 100 health insurance companies (known as Krankenkassen in German). Health insurance is compulsory for everyone residing in the country, and you are required to choose one of these two options, though it’s possible to combine both in certain cases.The first option is Public Health Insurance (Gesetzliche Krankenversicherung, GKV), which is available to everyone.
The second option, Private Health Insurance (Private Krankenversicherung, PKV), is available to individuals who meet specific criteria, such as a higher annual income. Let’s explore the key differences between these two systems.
The primary difference is that private health insurance is only accessible to those who earn over 69,300 EUR per year (as of 2024). If your income is lower than this threshold, you must choose public health insurance. The second major difference is the higher quality of service offered by PKV. Some of the benefits of being privately insured include:
- More extensive medication options
- Less crowded hospital rooms during admission
- Access to doctors who only accept private health insurance patients
- Cost differences between private and public health insurance are often minimal for certain plans
- Costs can increase as you age and develop health issues
- You will need to claim reimbursements directly from the insurer, often requiring paperwork in German (though we offer English-speaking insurers – fill out the form below to find out more)
- Dependents are typically not covered unless added to your policy
- Some doctors may prescribe additional medications, knowing your insurance covers it
Not all hospitals and doctors are included under the GKV system, so it’s important to check before accepting treatment. Additionally, while both public and private health insurance cover treatment abroad, the list of countries covered is broader under private health insurance (PKV).What Happens Next?
On the right of this page, you’ll find links to more articles explaining the ins and outs of both public and private health insurance in Germany. Once you have reviewed the information, ask yourself the following questions to help determine which insurance type is best for you:- Do I have dependents who need coverage?
- Do I prefer more privacy in the hospital (PKV often offers more private options)?
- Do I need an English-speaking service (PKV generally provides more choices for English-speaking doctors)?
- Am I planning to start a family soon or bring a non-working legal partner to Germany?
- Do I earn over the annual salary threshold to qualify for Private Health Insurance?