- Good coverage with a €500 annual deductible.
- Specialist recommendation through the concierge service.
- Hospital: twin room; care by chief physician.
- Dental: 60-100%.
Vision: €150 every three years. - Alternative practitioner: €500 annually
- Worldwide coverage outside the EU for six months.
- Everything is English and computerized.
Health insurance
Private Health Insurance in Germany
Illness may strike anyone, making health insurance one of the most important insurance policies. Health insurance has been mandated in Germany since 2009, providing a safety net for all people who have lived in the country for at least a year. Short-term visitors to Germany must obtain international insurance prior to their arrival. Expats with long-term residence in Germany can obtain either statutory or private insurance, each with its own set of restrictions.
Monthly from
€552
-
Outstanding coverage without a deductible.
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Free choice of doctor, direct access to specialists.
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Hospital: private room, treatment by chief physician
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Dental: 90–100%.
-
Vision: €500 every 2 years.
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Alternative practitioner: €2,000 per year.
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Worldwide cover outside the EU for 6 months.
-
Everything in English and digital.
Monthly from
€730
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Good coverage without a deductible.
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Hospital: shared room, no chief physician treatment.
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Dental: 70–100%.
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Vision: €150 every 2 years.
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Worldwide cover outside the EU for 1 month.
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Everything in English and digital.
Monthly from
€498
What is the difference between public and private health insurance in Germany?
German health insurance is built upon two pillars. In 2020, around 73 million people were covered by statutory health insurance (Gesetzliche Krankenversicherung, GKV), with 9 million policyholders choosing private health insurance (Private Krankenversicherung, PKV). The prerequisites for enrolling in German health insurance and the scope of benefits varied between the public and private sectors.
Germany's statutory health insurance
Employees' obligatory insurance maximum is presently €69,300 based on their gross annual wage. For employees earning less than this amount, the statutory German healthcare system is required.
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