Health Insurance in Germany

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Don't want to figure this out on your own? Then contact our free service CleverExpat for advice.

The German health care system is divided into 2 branches

  • public healthcare
  • private healthcare

Your first decision is to pick one of them.

How to find the right German health insurance for me?[edit]

In many cases, you don't have a choice: For instance when you are employed and make less than around 60,750 € EUR per year (gross), you must pick the public system.

Here's a list of "simple" cases. If your case if more complicated, read a guide listed below.

Simple cases[edit]

Employed in a regular job[edit]

If you are

  • part- or full-time employed
  • earn less than 60,750 € gross per year

you must take the public option.

Student under 30[edit]

If you are a student at an

  • Universität (university) or
  • Fachhochschule (University of Applied Sciences)

then the public option is almost always the cheapest choice (~100€/month).

Student who needs a visa[edit]

In this case, you probably also need a Blocked Account (Sperrkonto). There are interesting combined offers of both a Blocked Account and Health insurance, check a here a comparison of health insurance packages.

(Young) freelancer from outside EU & EEA[edit]

If you are:

  • young (under 30)
  • freelancer / self-employed
  • from outside EU & EEA (European Economic Area)
  • plan to stay only a few years in Germany

then likely the private option is cheaper.

Setup an insurance option[edit]

General[edit]

  • Feather* is a Berlin-based, fully English-speaking option. They can advise you both about public and private health insurance and will find the best matching option for you. A consultation is free.

Public[edit]

There are several public health insurance options. They do not differ so much in their price/rates because they are regulated by law: You always pay around 16% of your income.

So you rather want to choose them by the features they offer. For expats, options with an English speaking service are a big bonus – so with English information.

Besides, there is also a very helpful and free signup service from Popsure*: Instead of filling out a German form at the health insurance, you can simply reach out to Popsure's SignupTK or SignupAOK, get free advice and counselling in English and fill out an English form.

Private[edit]

Private options vary a lot by their coverage and their rates – often very much depending on your age and health status.

  • Feather* offers a private insurance with English support. Consultation is free.
  • Foyer Global Health* speaks English, too, and can give you instantly a quote on their website, so you know immediately what rates to expect.
  • Ottonova* is a new, fully English-speaking option. You can get free consultation, without any signing up.
  • English translated calculator by BerlinCheap.com: Enter your details + contact and get a quote from various insurance options.
  • Private health insurance comparison tool allows you to compare what other expatriates are paying for their coverage.

More guides[edit]




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