Can Expats Switch from Public to Private Health Insurance in Germany?

Yes, expatriates in Germany can switch from public health insurance (GKV) to private health insurance (PKV) if they meet certain criteria. The most important factor is whether they meet the income threshold for PKV eligibility, which for 2025 is €73,800 annually. This threshold applies to employees, but self-employed individuals and freelancers can directly opt for private health insurance, even if they earn below the threshold.

For expatriates who earn above the income threshold, switching from GKV to PKV is relatively straightforward. However, if an expat’s income is below the threshold, they would generally remain in the public health system (GKV) unless they are self-employed or meet specific conditions. One of the key reasons many expatriates choose to switch to PKV is the personalized healthcare it offers, including private doctor consultations, private hospital rooms, and quicker access to specialists.

Once an expatriate opts for PKV, it can be difficult to return to public health insurance unless their income drops below the threshold, or in some cases, if they become unemployed. This is a key consideration for expatriates who may be unsure about their long-term income levels. Therefore, it's essential for expatriates to carefully evaluate their healthcare needs and financial situation before making the switch.

Another consideration for expatriates is that private health insurance (PKV) allows more flexibility in terms of coverage. PKV plans can be tailored to the individual’s healthcare requirements, including coverage for dental, vision, mental health services, and international healthcare. This level of personalization is often preferred by expatriates who are used to a more customized healthcare experience.

Expatriates who want to switch from public to private health insurance should also be aware of the specific rules and regulations governing this transition. It is recommended to consult with an insurance broker or expert who specializes in expatriate healthcare to ensure that the process goes smoothly and that the individual is making the best choice based on their unique situation.

For expatriates, the switch to private health insurance (PKV) also comes with the added benefit of international coverage, making it ideal for those who travel frequently or are residing outside Germany for long periods. PKV policies can provide peace of mind knowing that healthcare coverage is available worldwide, which is often a significant advantage for expatriates who live or work in multiple countries.

For more information on how expatriates can switch from public to private health insurance in Germany, visit this page on switching from public to private health insurance in Germany.