Germany is renowned for its world-class healthcare system, and private health insurance is an excellent option for those seeking additional coverage beyond the public system.
With so many private health insurance providers available, it can be challenging to determine which one is the best fit for your needs.
That’s why we’ve compiled a list of the best private health insurance options in Germany, taking into account factors such as coverage, benefits, and affordability.
Whether you’re a resident or an expat, this guide will help you make an informed decision about your health insurance needs in Germany.
What Is Private Health Insurance in Germany?
In Germany, private health insurance (known as “Private Krankenversicherung” or PKV) is another option apart from public health insurance. It’s mainly for self-employed people, those with higher incomes, civil servants, and specific jobs.
With private insurance, you can choose the coverage that fits you best, see more doctors, and get quicker treatment. However it usually costs more than public health insurance, and coverage for existing health issues may differ.
Who Is Eligible for Private Health Insurance in Germany?
Here are the groups of people who can get private health insurance in Germany:
- Self-employed individuals: This includes professionals who work for themselves, freelancers, and business owners. They can choose private insurance no matter their income (though some exceptions apply).
- High-income earners: If you make more money than the income limit set by public health insurance (Gesetzliche Krankenversicherung or GKV), which in 2024 is €69,300, you can go for private health insurance.
- Civil servants: Some public servants, called “Beamter,” have a special health plan called “the Beihilfe.” This plan covers 50% of most health expenses, and they can get private coverage for the other 50%.
- Students: Students who are over 30 years old or enrolled in certain courses like language programs can’t sign up for public insurance. They need private coverage instead.
Turn the page to discover an in-depth analysis of the 10 finest private insurance companies in Germany.
