Vigo Krankenversicherung Expatriate 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 Vigo 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 proud to partner with Vigo, an insurer that specializes in understanding the unique needs of expatriates. With excellent coverage, English-language customer service, and a smooth application process, Vigo is committed to helping you get 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 insure themselves through an accredited German insurance company.
The Eye Newspapers works closely with Vigo Krankenversicherung to streamline the application and service process, ensuring it is as easy and user-friendly as possible. We welcome your feedback to make sure the process is seamless for all expats.

How Does Health Insurance Work in Germany?

In Germany, there are two main types of health insurance, provided by over 100 companies (called Krankenkassen). Health insurance is compulsory, and you must choose one of these options, although combining the two is uncommon. Let’s take a closer look at each option:

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 opt for this type of insurance. GKV covers all essential healthcare needs, including doctor visits, hospitalization, and medication. If you're married or have children, they will be automatically covered under your insurance at no extra cost. The contribution is calculated at 14.6% of your gross salary, split between you and your employer.

Private Health Insurance (Private Krankenversicherung, PKV)

Private Health Insurance (PKV) is available to those earning more than €69,300 annually. PKV generally offers more extensive coverage and benefits, such as:
  • More options for medications
  • More privacy in hospital rooms (fewer patients per room)
  • Some doctors may only accept PKV-insured patients
  • Costs are often comparable to Public Health Insurance
However, there are a few downsides:
  • Premiums can increase with age or declining health
  • You need to submit claims directly to the insurer (usually in German, though Vigo offers English-language support)
  • Dependents are not automatically covered
  • Some doctors may prescribe additional medications, knowing your insurance will cover the costs
Public Health Insurance tends to be more suitable for individuals with non-working spouses or children, as they will be covered at no additional cost. The premium is shared equally between you and your employer.
Not all doctors or hospitals are included in the GKV system, so it’s important to check your coverage before seeking treatment. Both GKV and PKV cover treatment abroad, but PKV offers a broader range of countries where you can receive care.

What Happens Next?

To the right of this page, you’ll find links to articles that explore the details of both public and private health insurance in Germany. After reviewing them, ask yourself these questions to help determine which insurance option is best for you:
  • Do I have dependents?
  • Am I comfortable sharing a hospital room with other patients (PKV offers more privacy, depending on your contract)?
  • Do I need access to English-language services (PKV may offer more options for finding an English-speaking doctor)?
  • Am I planning to start a family soon or bring a non-working partner to Germany?
  • Do I earn above the threshold required for Private Health Insurance?
Answering these questions will help you choose the right type of insurance. Once you’re familiar with the requirements and details of the different types of health insurance, fill out the form below to receive more information or to have an agent contact you. As this service is run in collaboration with The Eye Newspapers, we’re here to support you at every step, ensuring you receive the best service in English. You’ll be pleasantly surprised at how easy the process has been made for The Eye Newspaper readers like you.



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