Table of content
AOK vs TK
As a high-skilled expat in Germany, your health insurance choice is crucial for ensuring top-quality care and peace of mind. While public health insurance providers like AOK and TK offer basic coverage, private health insurance (PKV) stands out as the superior choice for discerning international professionals. This comprehensive guide explores why private insurance, particularly offerings from companies like Hallesche Krankenversicherung, provides unparalleled benefits for expats in Germany.
Understanding German Health Insurance Thresholds for 2025
Before delving into the benefits of private health insurance, it's essential to understand two critical thresholds in the German health insurance system:
Private Insurance Eligibility Threshold (Versicherungspflichtgrenze):
€73,800 annually for 2025
Expats earning above this amount can choose private health insurance
Contribution Assessment Ceiling (Beitragsbemessungsgrenze):
€66,600 annually for 2025
This is the maximum amount used to calculate contributions for public health insurance
The Advantages of Private Health Insurance for Expat

Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
AOK vs TK
As a high-skilled expat in Germany, your health insurance choice is crucial for ensuring top-quality care and peace of mind. While public health insurance providers like AOK and TK offer basic coverage, private health insurance (PKV) stands out as the superior choice for discerning international professionals. This comprehensive guide explores why private insurance, particularly offerings from companies like Hallesche Krankenversicherung, provides unparalleled benefits for expats in Germany.
Understanding German Health Insurance Thresholds for 2025
Before delving into the benefits of private health insurance, it's essential to understand two critical thresholds in the German health insurance system:
Private Insurance Eligibility Threshold (Versicherungspflichtgrenze):
€73,800 annually for 2025
Expats earning above this amount can choose private health insurance
Contribution Assessment Ceiling (Beitragsbemessungsgrenze):
€66,600 annually for 2025
This is the maximum amount used to calculate contributions for public health insurance
The Advantages of Private Health Insurance for Expat

Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
AOK vs TK
As a high-skilled expat in Germany, your health insurance choice is crucial for ensuring top-quality care and peace of mind. While public health insurance providers like AOK and TK offer basic coverage, private health insurance (PKV) stands out as the superior choice for discerning international professionals. This comprehensive guide explores why private insurance, particularly offerings from companies like Hallesche Krankenversicherung, provides unparalleled benefits for expats in Germany.
Understanding German Health Insurance Thresholds for 2025
Before delving into the benefits of private health insurance, it's essential to understand two critical thresholds in the German health insurance system:
Private Insurance Eligibility Threshold (Versicherungspflichtgrenze):
€73,800 annually for 2025
Expats earning above this amount can choose private health insurance
Contribution Assessment Ceiling (Beitragsbemessungsgrenze):
€66,600 annually for 2025
This is the maximum amount used to calculate contributions for public health insurance
The Advantages of Private Health Insurance for Expat

FAQ
Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.

