R+V Krankenversicherung Health Insurance: A Complete Guide for Expats in Germany


What Foreigners Need to Know About Health Insurance in Germany



As part of a special package for the international community, The Eye Newspapers (owners of The Germany Eye and The Munich Eye) have partnered with R+V Krankenversicherung to offer exclusive deals for foreigners looking to insure themselves in Germany. Whether you need health insurance, personal liability insurance, or other forms of coverage, R+V is a trusted insurer that understands the unique needs of expatriates. R+V provides superb coverage, English-language customer service, and expertise to guide you through acquiring the best health insurance for you and your family.
Health insurance is a legal requirement in Germany. All residents must have insurance through an accredited German insurance provider, whether public or private.
The Eye Newspapers works closely with R+V Krankenversicherung to make the application and service process as simple and user-friendly as possible. We also welcome feedback to ensure we continuously improve the experience.

How Does Health Insurance Work in Germany?

In Germany, health insurance is mandatory, and you must choose one of the two main types of insurance, both provided by over 100 companies (called Krankenkassen). While combining both insurance types is possible, it's less common.

Public Health Insurance (Gesetzliche Krankenversicherung, GKV)

Public Health Insurance (GKV) is available to all residents of Germany. If you earn under €69,300 annually (as of 2024), you must take public insurance. The coverage is extensive, including hospital stays, doctor visits, and medication. If you're married or have children, they are also covered under your policy at no extra cost. The cost is 14.6% of your gross annual income, split equally between you and your employer. Your employer also contributes if you choose private insurance.

Private Health Insurance (Private Krankenversicherung, PKV)

Private Health Insurance (PKV) is available to those earning above €69,300 per year. PKV offers higher service levels, such as:
  • Wider medication options
  • Private hospital rooms with fewer patients
  • Access to certain doctors who accept only PKV patients
  • Premiums may be similar to GKV in some cases
However, PKV has some potential drawbacks:
  • Premiums can rise with age and health issues
  • You must file claims directly with the insurer, usually in German (though R+V offers English-language services)
  • Dependents are not automatically covered
  • Doctors may prescribe extra medications, knowing your insurance will cover it
Public Health Insurance is typically a better option for families, especially if you have a spouse or children who don't work, as they are included under your plan at no extra cost. Your employer pays half of the premium for both public and private insurance.
Not all doctors or hospitals accept GKV. Be sure to check coverage before seeking treatment. Both public and private insurance plans cover international travel health treatment, but PKV typically offers a broader list of countries.

What Happens Next?

To the right of this page, you’ll find links to detailed articles on both public and private health insurance in Germany. These resources will give you a deeper understanding of the German system. Once you're ready to decide, ask yourself these questions:
  • Do I have dependents?
  • Am I okay with sharing a hospital ward (PKV offers more privacy depending on the contract)?
  • Do I need English-language services (PKV provides more options for English-speaking doctors)?
  • Am I planning to start a family soon or bring a non-working partner to Germany?
  • Do I earn enough to qualify for Private Health Insurance?
Considering these questions will help you make the best decision regarding your insurance choice. Once you have a clearer understanding of the health insurance options in Germany, complete the form below for more information or to have an agent contact you directly. As a partner of The Eye Newspapers, R+V Krankenversicherung is here to provide full support, ensuring you receive the best possible service in English. You’ll be pleasantly surprised by how easy our partners have made the process for readers like you.



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