The 10 Best Private Health Insurance Providers in Germany (2026)
Section: Health Insurance
During a recent health policy discussion held by the ABDA at the Apothekenhaus in Berlin, the critical role of pharmacies as essential healthcare infrastructure was emphasized. CDU representative Simone Borchardt highlighted the alarming trend of pharmacies closing, stating that their accessibility is vital for timely medical advice.
Despite facing challenges such as staff shortages, bureaucratic hurdles, and supply chain issues, pharmacies are eager to take on additional responsibilities, according to Thomas Preis, the President of ABDA. He noted that pharmacies provide easy access, minimal wait times, and extended opening hours, facilitating quicker recognition of health issues. While Preis acknowledged that pharmacies are not authorized to diagnose or prescribe treatments, he stressed their potential as initial points of contact for healthcare.
Stephan Hofmeister, Deputy Chairman of the Kassenärztliche Bundesvereinigung (KBV) and President of the Federal Association of Free Professions, reinforced the notion that pharmacies offer more than just medication dispensing. However, he expressed reservations about allowing pharmacies to administer vaccinations, asserting that while the technique can be learned, the decision on what and when to vaccinate should remain with physicians due to potential severe allergic reactions.
Despite differences in opinion regarding immunizations, there was a shared desire among the panelists for enhanced collaboration between pharmacists and doctors. Hofmeister praised the ARMIN initiative-- a collaborative medication management project between physicians and pharmacists--as a model worth expanding.
Discussions also touched on the dispensing of prescription medications. Hofmeister argued that the authority to do so should not rest solely with pharmacies, as it could lead to dangerous outcomes. Conversely, Preis contended that established patients needing medication refills, particularly before traveling, should not be compelled to consult a physician unnecessarily. Both representatives acknowledged the importance of addressing cases of misuse, suggesting that the implementation of electronic patient records could aid in detecting such issues effectively.
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Both private Health Insurance in Germany and public insurance, is often complicated to navigate, not to mention expensive. As an expat, you are required to navigate this landscape within weeks of arriving, so check our FAQ on PKV. For our guide on resources and access to agents who can give you a competitive quote, try our PKV Cost comparison tool.
Germany is famous for its medical expertise and extensive number of hospitals and clinics. See this comprehensive directory of hospitals and clinics across the country, complete with links to their websites, addresses, contact info, and specializations/services.
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