Índice
Introduction
Moving to Germany as an expat is exciting and one of the smartest things you can do early on is to understand how health insurance works here.
Whether you’re employed, self-employed, or relocating with your family, health insurance for expats in Germany is mandatory by law.
While both public and private systems offer access to high-quality care, private health insurance (PKV) often provides superior benefits, faster appointments, and more flexibility — especially for international professionals with higher income.
1. How the German Health Insurance System Works
Germany has a dual healthcare system with two main options:
Public Health Insurance (GKV – Gesetzliche Krankenversicherung)
Covers about 90% of residents. Contributions are income-based, and coverage is standardized by law.Private Health Insurance (PKV – Private Krankenversicherung)
Offers individually tailored plans with flexible benefits. Premiums depend on age, health, and desired coverage, not income.
For many expats, private health insurance is a way to enjoy premium medical care and English-speaking support while often paying less than in the public system.
Learn more in our detailed guide on Public vs Private Health Insurance in Germany to understand how both systems compare for expats.
2. Who Can Get Private Health Insurance in Germany
Everyone living in Germany must have health insurance — but not everyone qualifies for private coverage.
Here’s who can:
Employees earning above €77,400/year (2025 threshold)
Eligible to switch from public to private insurance.Freelancers & Self-Employed Expats
Free to choose between public and private — many prefer private for flexibility and faster service.Students & Researchers
Can opt for affordable entry-level private plans.Civil Servants & Professionals with special status
Usually benefit from partial subsidies when going private.
💡 If you’re unsure whether you qualify, you can request a free eligibility check to find out which plans fit your profile.
For income thresholds and eligibility details, read our article JAEG 2026 – Income Limit for Private Health Insurance in Germany
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El seguro de salud en Alemania puede ser sencillo. Nuestro amable equipo te ayuda a encontrar el plan de seguro de salud privado perfecto, ya seas empleado, autónomo o estés solicitando un visado. Obtén asistencia personalizada y tranquilidad.
3. Public vs Private Health Insurance: Key Differences
Public (GKV) | Private (PKV) | |
|---|---|---|
Cost Structure | Based on income (14.6% + extra charge) | Fixed premium, better for high earners |
Appointments | Sometimes weeks of waiting | Immediate access to specialists |
Coverage Level | Basic legal minimum | Customizable — hospital, dental, outpatient upgrades |
Language Support | Mostly German | Full English support |
Service | Bureaucratic, limited flexibility | Direct, personal, modern digital services |
4. How Much Does Health Insurance Cost in Germany (2025)
The cost of health insurance depends on your income, age, and coverage level.
Public Insurance (GKV)
High Income: €1200+/month, based on income
Employer covers 50%
Limited influence on services or benefits
Private Insurance (PKV)
Average: 250-650/month (Employer covers 50%)
Costs depend on coverage and age, not income
Better long-term value for high earners
📊 Example:
A 32-year-old expat earning €80,000/year may pay around €280/month privately, compared to €600+ in the public system — and get faster access and premium care.
¡Reserva tu consulta gratuita ahora!
El seguro de salud en Alemania puede ser sencillo. Nuestro amable equipo te ayuda a encontrar el plan de seguro de salud privado perfecto, ya seas un empleado, autónomo o si estás solicitando un visado. Obtén asistencia personalizada y tranquilidad.
5. Why Many Expats Choose Private Health Insurance
Private health insurance in Germany offers advantages that go far beyond lower costs:
Faster access to doctors and specialists
→ Avoid long waiting times typical in the public system.Premium coverage
→ Choice of private hospital rooms, top specialists, advanced dental and optical treatments.Better service
→ English-speaking support, transparent billing, and modern digital claims apps.Individual flexibility
→ Choose deductibles, refund options, and add-ons tailored to your needs.Employer contributions
→Employees still receive a 50% employer contribution toward their health insurance, which helps reduce their out-of-pocket expenses.
💬 For professionals and families who value quality healthcare and efficiency, private health insurance is often the smarter long-term investment.
6. Common Questions from Expats
Can I switch from public to private health insurance later?
Yes, once your income exceeds €77,400 (JAEG 2025 threshold).
Can I return to public insurance later?
Only under certain conditions, such as income reduction or unemployment.
Does private insurance cover my family?
Each family member needs a policy, but many providers offer discounts and tailored family plans.
Is private health insurance accepted everywhere?
Yes — you can see any doctor or specialist, and many offer priority appointments for private patients.
7. Conclusion
Germany’s healthcare system is world-class, but choosing the right type of insurance makes all the difference.
For expats who want top-tier coverage, shorter waiting times, and predictable service,
private health insurance (PKV) is often the best solution — and in many cases, even more affordable than public insurance.
👉 Get your free consultation today and compare tailored private health insurance options for expats in Germany.
Preguntas frecuentes
¡Reserva tu consulta gratuita ahora!
El seguro de salud en Alemania puede ser sencillo. Nuestro amable equipo te ayuda a encontrar el plan de seguro de salud privado perfecto, ya seas empleado, autónomo o estés solicitando un visado. Obtén asistencia personalizada y tranquilidad.
