Everyone who visits or lives in Germany must have health insurance. If you become an employee, you’ll be automatically signed up for public health unless you meet the gross income threshold of €73,800 per year or €6,150 per month (in 2024). The threshold changes annually.
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Better coverage for less money. Save up to 4,000 € per year
Private
Private
Private
Outpatient services
All doctors and appointments through our Concierge
Direct access to specialist
Glasses and contact lenses
Alternative practitioners
Treatment by chief physician
Accomodation
Access to hospitals that only accept private patients
Dental Services
Dental treatments, including teeth cleaning and prophylactic treatments
White fillings, crowns, implants
Other services
Premium refund
Worldwide coverage and repatriation
Preventive health checkups without age limits
Second opinion
Can I return to the statutory health insurance ?
Does the premiums in private health insurance increase with age ?
Are private health insurance companies able to terminate contracts in case of a disease ?
Do I have to pay my doctor's bills in advance ?
Benefits overview: Public vs. private insurance in Germany
Who has access to private health insurance?
What are the benefits of a private health insurance in terms of coverage?
What are the key advantages of private insurance over public insurance?
Employees who earn more than the annual income threshold often find private insurance coverage to be their best option. Here are the main benefits:
Lower insurance contributions that aren’t based on your income
More comprehensive coverage
Flexibility in choosing the services included in your coverage
Shorter waiting times for appointments
Premium refunds and bonuses when you don’t file any claims
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If your income, as an employee, does not reach the income threshold, you’re classified as a compulsorily insured employee. This means that you don’t have a choice between public and private insurance — you must use public health insurance. Your employer will automatically register you.
If your income surpasses the income threshold, you are considered as a voluntarily insured employee and can choose private health insurance. Get your quote now !
