Universa Krankenversicherung Health Insurance


What Foreigners Need to Know About Health Insurance in Germany



As part of our package of services for the international community, The Eye Newspapers (owners of The Germany Eye and The Munich Eye) have negotiated preferential deals with Universa Krankenversicherung to help foreigners secure health insurance in Germany. Whether you're looking for health insurance, personal liability coverage, or other forms of insurance, we are pleased to partner with Universa, a responsive insurer that understands the unique needs of expatriates. Universa offers excellent coverage, English-language customer service, and a smooth process to help you acquire the best health insurance for yourself and your family.
Health insurance is mandatory in Germany. Whether you opt for private or public health insurance, all residents are legally required to have insurance from an accredited German provider.
The Eye Newspapers works closely with Universa Krankenversicherung to streamline the application and service process, making it as easy and user-friendly as possible. We always value your feedback to ensure the best experience for you.

How Does Health Insurance Work in Germany?

In Germany, there are two main types of health insurance provided by over 100 companies (referred to as Krankenkassen). Health insurance is compulsory, and you must choose one of these options, although combining the two is uncommon. Here’s a breakdown:

Public Health Insurance (Gesetzliche Krankenversicherung, GKV)

Public Health Insurance (GKV) is available to all residents. If your annual income is below €69,300 (as of 2024), you are required to take this option. GKV provides comprehensive coverage, including doctor visits, hospital stays, and medication. If you're married or have children, they will also be covered under your policy at no additional cost. The cost is 14.6% of your gross salary, shared equally between you and your employer.

Private Health Insurance (Private Krankenversicherung, PKV)

Private Health Insurance (PKV) is available if your annual income exceeds €69,300. PKV generally offers more extensive services, such as:
  • More medication options
  • More privacy in hospital rooms (fewer patients per room)
  • Access to doctors who may only accept PKV patients
  • Often, the cost is comparable to Public Health Insurance
However, there are a few potential downsides:
  • Premiums may rise with age or as health declines
  • You need to submit claims directly to the insurer, which often requires forms in German (though Universa provides English-language support)
  • Dependents are not automatically covered
  • Some doctors may overprescribe medications, knowing your insurance covers the costs
Public Health Insurance is usually a better option for those with non-working spouses or children, as they will be covered under your plan at no extra charge. The premium is 14.6% of your gross salary, split between you and your employer.
Not all doctors and hospitals are included in the GKV system, so it's important to check coverage before receiving treatment. Both GKV and PKV cover treatment abroad, but PKV offers a broader range of countries for medical care.

What Happens Next?

On the right side of this page, you'll find links to articles that explain both public and private health insurance in Germany in more detail. Once you’ve reviewed them, ask yourself the following questions to help decide which type of insurance is right for you:
  • Do I have dependents?
  • Am I comfortable sharing a hospital room with other patients (PKV provides more privacy, depending on your plan)?
  • Do I need access to English-language services (PKV might offer more options for English-speaking doctors)?
  • Am I planning to start a family soon or bring a non-working legal partner to Germany?
  • Do I earn more than the annual salary threshold for Private Health Insurance eligibility?
These questions will help you make an informed decision about which insurance option suits your needs. Once you're familiar with the different health insurance options, fill out the form below to request more information or to have an agent contact you directly. As this service is run in collaboration with The Eye Newspapers, we are here to support you every step of the way, ensuring you receive the best possible service in English. You’ll be surprised at how easy our partners have made the process for The Eye Newspapers readers like you.



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