Independent overview of the eleven private health insurance companies that cover roughly 90% of Germany's private market. Premium positioning, who each is right for, and broker quoting data on every provider, built for English-speaking residents.
Editorial rating, who each is right for, and the one strength that matters most. Tap any card for the full review.
Best for: Legal-protection bundle, mid-range value
Family-owned insurer (Munich, ~767k insured) best known across the German market for legal-protection cover. Mid-range private health tariffs with broad benefit menus. Limited English service.
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Best for: Long-horizon buyers who want the most stable premium
Most premium-stable private health insurer in Germany. 150-year Hamburg mutual with the most measured long-run adjustment record in the market. Worldwide travel cover on top tariffs, English application on the dedicated Expat product.
Read full reviewBest for: Families, freelancers, dental priorities
Best dental cover in the market and a strong long-term premium-stability record since 1933. Functional but not class-leading digital tools.
Read full reviewBest for: Long-term stability, conservative profile
Established mutual insurer with a conservative, reliable approach to pricing. Older-feeling product but broad benefit menus and stable premium development.
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Best for: Civil servants, long-horizon price stability
Germany's largest private health insurer (mutual, ~2.4M fully insured). 120-year record of conservative premium development and the deepest civil-servant book in the market. Limited English service.
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Best for: Tech workers, digital-first English speakers
Germany's first fully digital private insurer. Fully English app, instant claims via photo upload, founded in Munich 2017. Newer track record than Debeka or Hallesche.
Read full reviewBest for: Global brand, English-language priority
Germany's largest insurer overall and a globally recognised brand. Reliable English-speaking customer service. Premiums tend to sit at the higher end.
Read full reviewBest for: International professionals
Expat-aware product design with broad European network. Comprehensive coverage at premium tariffs. Not the cheapest but consistently rated for service.
Read full reviewBest for: Mental health priority
Best mental health coverage of any private insurer in Germany. More therapy sessions, shorter waiting times, broader scope of psychological treatments. Smaller overall network.
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Best for: Mid-range value
Solid mid-range option with a good value-to-price ratio and a long track record. Average digital experience, German-language service.
Read full reviewBest for: Comprehensive cover, broad hospital network
Health-only specialist with one of the broadest hospital networks in Germany. Strong dental, modern app. Less expat-focused product design.
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Best for: Cost-conscious buyers
Competitive entry pricing and a strong premium-stability record. Limited English support, simpler digital tooling. Best fit if budget is the deciding factor.
Read full reviewBrand and price are visible at sign-up. The differences that matter most over 30 years are usually invisible.
Mutual / cooperative insurers (Debeka, Hallesche, Continentale, Gothaer, Barmenia, Signal Iduna) tend to raise premiums more conservatively over time than shareholder-owned insurers.
Decades of premium-increase history are public and varies sharply between insurers. The cheapest entry premium is rarely the cheapest 30-year cost.
Some tariffs guarantee benefit levels for the contract's lifetime; others can be adjusted. Read this before signing.
Digital-first insurers (Ottonova, DKV) settle claims faster. Legacy insurers offer broader in-person service. Match this to your preferences.
Eleven major insurers, hundreds of tariffs, and decades of premium-stability data to compare. The structural differences on this page are real, but reading them is not the same as choosing the right one. That is what we do at MyHealthcareBroker, and that is why this page exists.
We are licensed under §34d GewO and contractually obligated to compare the full market on your behalf. We are not on the payroll of Allianz, Debeka, or Ottonova, so the recommendation reflects your case, not anyone's sales target.
Our fee is paid by the insurer that wins your contract, not by you. The premium you pay is identical whether you sign through us or directly with the insurer. Using us has no cost; not using us usually costs you a worse-fit tariff.
We quote across all 41 licensed German private insurers, including the 11 majors on this page. Going direct to one insurer means seeing one insurer's tariffs only, with no opportunity-cost view. We give you the full comparison.
Our legal duty is to recommend what fits your situation: age, health profile, family setup, employment status, and 30-year horizon. Captive insurer agents only recommend their own products. We recommend whichever of the eleven actually fits.
Free 30-minute call with a licensed §34d broker. We pull premium-stability data, employer-subsidy modelling, and tariff guarantees on every major insurer that fits your profile, then send you a written summary. No obligation, no upsell, no insurer-specific bias.
The cheapest provider depends on which timeline you're optimising for:
Always run both projections side by side. The cheapest first-year premium is rarely the cheapest decade-three premium.
Our guide to the cheapest private health insurance in Germany compares entry premiums and 30-year costs in detail.
Allianz and AXA offer the most reliable English-language customer service, particularly in major metro areas. DKV has English support but it's more limited. Most other providers run primarily in German, so a broker is the practical workaround.
Our provider reviews rate English support for every major insurer.
Yes. Under §204 VVG (Versicherungsvertragsgesetz), every long-term private health insurance policyholder has the legal right to transfer their accumulated Altersrückstellungen (age provisions) to a new private insurer.
Two important caveats:
A broker handles the transfer paperwork and compares like-for-like tariffs on your specific health profile.
There are over 40 licensed private health insurers in Germany, all regulated under the VAG (Versicherungsaufsichtsgesetz).
For English-speaking residents, the 11 providers on this page cover the vast majority of the market and the broker landscape. The remaining ~30 are smaller regional, civil-servant-only, or specialist insurers that rarely make it onto a foreign applicant's shortlist.
Once you've decided private health insurance is right for you, the provider choice usually comes down to four questions:
A licensed broker compares all 11 against your age, health profile, and priorities, free of charge.
Almost never. Entry premiums are visible and easy to optimise for. The premium-increase trajectory over 20 to 30 years is much harder to read but matters far more for total cost.
Mutual / cooperative insurers (Debeka, Hallesche, Continentale, Gothaer, Barmenia, Signal Iduna) historically raise premiums more conservatively than shareholder-owned competitors. Decades of public premium-increase data exist for every licensed German private insurer. Ask your broker to pull both the entry price and the 20-year increase history before you sign.
Two more pages that come up most often when people are at this stage.
