Postbeamtenkrankenkasse Health Insurance: Your Guide to Health Insurance in Germany


What Foreigners Need to Know About Health Insurance in Germany



As part of a package of services for the international community, The Eye Newspapers (owners of The Germany Eye and The Munich Eye) have partnered with Postbeamtenkrankenkasse to offer preferential deals for foreigners seeking health insurance in Germany. Whether you need health insurance, personal liability insurance, or other coverage, we have teamed up with one of the most responsive insurers who understand the unique needs of expatriates. This includes comprehensive coverage, friendly English-language customer support, and expert guidance to help you secure the best health insurance for yourself and your family.
Health insurance is a legal requirement in Germany. All residents are legally obligated to have health insurance, whether through private health insurance or public health insurance, with an accredited German insurer.
The Eye Newspapers works closely with Postbeamtenkrankenkasse to make the application and service process as simple and user-friendly as possible. We are committed to making the process as seamless as possible, and we welcome customer feedback.

How Does Health Insurance Work in Germany?

In Germany, health insurance is mandatory, and there are two primary options offered by over 100 insurance providers (referred to as Krankenkassen). You must choose one of these two options, although in rare cases, it is possible to combine both.

Public Health Insurance (Gesetzliche Krankenversicherung, GKV)

Public Health Insurance (GKV) is available to all residents of Germany, but it is compulsory if your income is below €69,300 annually (as of 2024). Public health insurance provides comprehensive coverage, including hospital care, doctor visits, and prescribed medications. Additionally, GKV covers dependents like children and non-working spouses at no extra cost. The premium is 14.6% of your annual gross income, split evenly between you and your employer. Your employer also contributes half if you choose private health insurance.

Private Health Insurance (Private Krankenversicherung, PKV)

Private Health Insurance (PKV) is available to individuals earning more than €69,300 annually or for self-employed people. Private health insurance offers a higher level of service compared to public health insurance, with some of the following benefits:
  • More extensive medication options
  • Fewer people in hospital rooms
  • Some doctors only accept PKV patients
  • Private health insurance premiums may be comparable to public health insurance
However, there are potential drawbacks to PKV:
  • Premiums may increase with age and health conditions
  • You must handle claims directly with the insurer, often in German (though English-speaking insurers are available via Postbeamtenkrankenkasse)
  • Dependents are not automatically covered
  • Doctors may prescribe more medication than necessary, knowing that your insurance will cover the costs
Public Health Insurance is often a better option if you have dependents (children or a non-working spouse), as they will be included in your coverage at no extra cost. Your employer shares the cost of both public and private insurance, contributing half of the premium.
Not all hospitals or doctors are covered under the GKV system, so be sure to check your provider before accepting treatment. Both public and private insurance plans cover international treatment, but PKV generally offers a more extensive list of countries for healthcare abroad.

What Happens Next?

To the right of this page, you will find links to articles covering various aspects of German health insurance, including both public and private options. Once you are ready to make your decision, consider the following questions to determine the best option for you:
  • Do I have dependents (children or a non-working partner)?
  • Am I comfortable sharing a hospital room with other patients, or would I prefer the privacy offered by PKV?
  • Do I need English-language support in finding healthcare providers?
  • Am I planning to start a family soon or bring a non-employed partner to Germany?
  • Do I earn enough to qualify for Private Health Insurance?
By considering these factors, you can make a more informed decision about which health insurance is best for your needs. Once you’re familiar with the details of both public and private insurance, fill out the form below to receive more information or to have an agent contact you. The Eye Newspapers, in partnership with Postbeamtenkrankenkasse, is here to guide you every step of the way. You’ll be surprised at how easy our partners have made the process for readers like you.



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