Who Qualifies for Private Health Insurance in Germany?

Eligibility for private health insurance (PKV) in Germany depends on several factors, including income, employment status, and residency. In 2025, employees earning above €73,800 annually are eligible to opt for private health insurance, provided they meet the income threshold. However, self-employed individuals, freelancers, and expatriates can choose PKV regardless of income, giving them more flexibility when it comes to healthcare options.

For employees earning less than the annual threshold of €73,800, private health insurance is generally not available. Instead, these individuals must stay within the public health insurance system (GKV). The German government updates the income threshold annually, so it’s important to stay informed about any changes that might affect eligibility. For those earning above the threshold, switching from public to private insurance can offer superior coverage and faster access to healthcare services.

Freelancers and self-employed individuals are not subject to the salary threshold for private health insurance. As a result, they have the freedom to choose PKV directly, which is particularly beneficial for individuals who want to customize their coverage and benefit from enhanced healthcare services. For example, freelancers can opt for a plan that provides access to private doctors, private hospital rooms, and even international healthcare services, making PKV an attractive option for many self-employed professionals.

In addition to employees and freelancers, certain other individuals are eligible for PKV in Germany. For instance, international students who are over 30 or those pursuing a second degree may also opt for private health insurance, as long as they meet specific conditions set by their providers. Additionally, high-income expatriates or individuals with specialized healthcare needs can qualify for PKV, regardless of their income, as long as they fulfill other criteria.

Private health insurance (PKV) can be particularly appealing to expatriates, as it offers comprehensive coverage, including dental care, private consultations, and faster access to medical specialists. Expats seeking high-quality medical care, especially those with specific healthcare needs, often find PKV a better option compared to public insurance (GKV), which may have limited coverage and longer waiting times.

It’s essential to note that PKV premiums are determined based on several factors such as age, health status, and the level of coverage desired. While private health insurance can offer excellent benefits, individuals should consider their long-term healthcare needs and financial situation before making the switch. It’s advisable to consult an expert or insurance broker to help determine if PKV is the right choice for you based on your circumstances.

For further details on the eligibility criteria and requirements for private health insurance in Germany, visit this page on who qualifies for private health insurance in Germany.