Private Health Insurance in Germany (Private Krankenversicherung)

In Germany, you have the choice between 2 types of health insurance. The statutory health insurance and the private health insurance. Only 10% of people living in Germany are entitled to join the second option, the private health insurance.

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Who is entitled to join private health insurance? (Private Krankenversicherung – PKV)

If one of the following 4 criteria applies to you, you have the option of switching to private health insurance.

  • You earn more than €64.350 per year
  • You are a freelancer or run your own business
  • You are a civil servant
  • You are a foreign student

Your Expert for private health insurance in Germany

  • The best option
    We have access to all relevant health insurance companies and can find the best option for you.
  • Experience
    We advise Expats on private health insurance matters on a daily basis.
  • No Paper
    We work 100 % digitally and your insurance policies are all stored centrally in our app – goodbye file folders!
  • Do something good with your insurance policies
    We donate 20 % of our profits to social and sustainable organizations. Of course, without making it more expensive for you.
  • Free of charge
    Our service is completely free of charge for you, as we are financed purely by the insurance companies.
  • Independent
    We can advise you independently and have access to almost all insurance companies.

How to reach us

We advise you Monday to Friday from 8 a.m. to 6 p.m.

Or book a free web meeting

  • Calculation of all costs live and via screen sharing
  • Get to know us personally, live and in colour

Advantages of private health insurance in Germany

In the statutory insurance, you have a standard coverage and pay a flat rate of 14.9 % in 2023 (employee + employer together) of your gross salary for the insurance.

With private health insurance, you are free to choose the extent of your coverage and pay a premium depending on your age and health status.


The interesting thing is that in most cases, private health insurance pays a much lower premium than statutory health insurance, despite the significantly better benefits.


Why is that?

In the statutory health insurance, everyone is accepted, including the old and the sick.

In private health insurance, on the other hand, a health check is made beforehand, which means that only the „good“ risks get insured.


Advantages of private health insurance:

  • No waiting
    You get up to 10x faster appointments for specialists
    Why? Doctors can charge up to 3.5 and more times the rate for the same services when you have private insurance.
  • More and better doctors
    Access to doctors who only accept private patients
  • Better medication
    Prescription of the best medications or therapies with no co-pay (depending on plan)
  • Alternative Practitioners
    Coverage of the costs for alternative practitioners
  • Dental treatment
    Dental treatment and dentures, including professional teeth cleaning (up to 100%)
  • Cures
    Cures and stays at health spas

Disadvantages of private health insurance in Germany

Even if private health insurance has many advantages, it also has some disadvantages.

  • Difficult to impossible to switch back to statutory health insurance from the age of 55.
  • Contributions can increase significantly with age.
  • No free co-insurance for family members.
  • If you have serious previous illnesses, you will probably not be accepted or only with a surcharge.

German private health insurance companies

The following gives you a small overview of German health insurance companies. We can offer almost all providers available in Germany and provide you with a comprehensive comparison.

ottonova-logo
allianz-logo
manse-merkur-versicherung
dkv-logo
arag
axa-versicherung
hallesche-krankenversicherung-logo
Continentale_logo.svg

How is the premium calculated?

The amount you pay for your PKV depends on the following:

  • Your occupation
  • Your age
  • Your pre-existing medical conditions (you may have to submit to a medical examination)
  • The healthcare plan you choose
  • Your voluntary excess (Selbstbeteiligung)

The average premium is around 350 – 650 euros per month (significantly less for students). If you are an employee, your employer pays half of your contribution. Self-employed people and freelancers must pay the entire contribution themselves.

Cost of private health insurance in Germany

Note: Even the Basic Coverage covers significantly more than public health insurance.

Statutory health insurance

Income: €64.350 / year
Age: 35
Premium: €64.350 * 14.9 % / 12 = €799 a month

Private health insurance

Income: €64.350 / year
Age: 35
Premium:
Top Coverage: ~ €500 a month
Standard Coverage: ~€425 a month
Basic Coverage: ~ €350 a month

Very competent advice. Friendly and courteous staff. All promises were kept. Highly recommended.
Linda Krämer
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Thanks to the very good advice and support, we were able to save a lot. Very good offers and we are always proactively kept up to date with new products. We are very satisfied.
Claus Clemens
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Transparent advice, even at flexible times. Always supportive in case of ambiguities in the event of a claim.
Alisa Redlich
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How to reach us

We advise you Monday to Friday from 8 a.m. to 6 p.m.

Or book a free web meeting

  • Calculation of all costs live and via screen sharing
  • Get to know us personally, live and in colour

Independent comparison of over 200 insurance companies

There is a perfect insurance for everyone. We will find the right one for you.

+ 200 other insurance providers

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