Provinzial Krankenversicherung 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 Provinzial Krankenversicherung to offer preferential deals for foreigners seeking health insurance in Germany. Whether you need health insurance, personal liability insurance, or other forms of coverage, Provinzial is 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 you and your family.
Health insurance is a legal requirement in Germany. All residents are required by law to have health insurance, whether through public or private health insurance, from an accredited German insurer.
The Eye Newspapers works closely with Provinzial Krankenversicherung 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 continuously improve the experience.

How Does Health Insurance Work in Germany?

In Germany, health insurance is compulsory, and there are two main types offered by over 100 insurance providers (referred to as Krankenkassen). You must choose one of these options, though it is also possible (though uncommon) to combine both.

Public Health Insurance (Gesetzliche Krankenversicherung, GKV)

Public Health Insurance (GKV) is available to all residents of Germany, and if your annual income is below €73,800 (as of 2025), you are required to opt for public health insurance. GKV offers comprehensive coverage, including hospital care, doctor visits, and prescription medications. Additionally, GKV covers dependents (children and non-working spouses) at no extra cost. The contribution is 14.6% of your annual gross income, shared equally 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 an option for those earning over €73,800 annually, or for self-employed individuals. PKV provides a higher quality of service compared to public health insurance, offering the following advantages:
  • More extensive medication options
  • Private rooms in hospitals with fewer patients
  • Some doctors only accept PKV patients
  • Premiums may be comparable to GKV in certain cases
However, there are some potential downsides to PKV:
  • Premiums can increase with age and health conditions
  • You need to file claims directly with the insurer, usually in German (though Provinzial offers English-speaking services)
  • Dependents are not automatically covered
  • Some doctors might over-prescribe medications, knowing your insurance will cover extra costs
Public Health Insurance is generally a better option for families, especially if you have a spouse or children who do not earn an income, as they are covered under your policy at no additional cost. Your employer will also contribute to both public and private insurance premiums.
Not all doctors or hospitals are covered under the GKV system. Be sure to confirm coverage before seeking treatment. Both public and private insurance provide coverage for international medical treatment, but PKV usually offers a wider range of countries for healthcare abroad.

What Happens Next?

To the right of this page, you will find links to detailed articles covering different aspects of German health insurance, including both public and private plans. Once you are ready, consider the following questions to help you decide which insurance option is right for you:
  • Do I have dependents (children or a non-working spouse)?
  • Am I comfortable sharing a hospital room, or do I prefer the privacy that PKV can offer?
  • Do I need English-language support when finding doctors or healthcare services?
  • Am I planning to start a family soon, or do I need to bring a non-working partner to Germany?
  • Do I earn enough to qualify for Private Health Insurance?
By taking these questions into consideration, you will be in a better position to decide which health insurance option best fits your needs. Once you are familiar with the different types of health insurance in Germany, fill out the form below to receive more information or have an agent contact you directly. The Eye Newspapers, in partnership with Provinzial Krankenversicherung, is here to support you every step of the way. Our partners have made the process surprisingly easy for readers like you.



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