Health Insurance in Germany

Health Insurance in Germany plays an important role in providing security for you and your loved ones. We will bring clarity which health insurance is best for your situation.

Health Insurance in Germany

Health insurance is, compared to most other countries, mandatory. It protects you in case you get sick and need treatment by a doctor or hospital. In addition, health insurance serves to prevent diseases, promote health, and restore health in case you are already ill. Health insurance in Germany is divided into two different parts: The public health insurance system and the private health insurance system. If you exceed a certain income limit, you have the option to switch to the private health insurance. But why should you do that? In the following articles, you will learn why this decision can make a lot of sense. If you need help finding and choosing a private health insurance company and plan, feel free to reach out to us.

Feather got interviewed by PerFinEx

Interview about health insurance in germany

  • About 80% of all people in Germany have public health insurance
  • The system is set up so that private health insurance companies are supposed to compete with public health insurance providers
  • Health insurance companies in Germany cannot cancel you because you use your health insurance too often

Public or Private Health Insurance in Germany

  • Comparison between public and private health insurance
  • Health insurance in Germany is mandatory
  • Not everybody can freely choose which health insurance in Germany he or she wants

Selecting Private Health Insurance in Germany

  • Deductible: Choose the amount you are willing to pay yearly
  • Coverage: Choose the coverage you need individually
  • Cashback: How much can you get back if you don’t use your health insurance in Germany?

Public vs. Private Health Insurance in Germany

  • Which system has the better coverage?
  • How much monthly premium do you have to pay?
  • Get some clarity about the myths in the private health insurance system

Public health insurance system exposed

  • Monthly premium in public is determined on your salary while it is determined in private, among other things, on your age and health status.
  • Public health insurance in Germany looks very expensive for very little coverage. 
  • Most people think public health insurance in Germany will stay stable and don’t increase the premium. Is that right?

Health Insurance Deductions from your Payslip

Public pension is mandatory in Germany and also deducted directly from your payslip. But, not everybody get a payslip (e.g. self-employed people, business owner, etc.), know how to read it, or know where exactly the pension is deducted. We will help you with the following articles, so that you, hopefully, become an expert in pension deductions and in general with the German social security system.

Health Insurance from Payslip

  •  Health insurance is automatically deducted from your payslip
  • Health insurance can be deducted from your tax declaration
  •  Public health insurance has a maximum pay-in threshold of 58.050€

Health Insurance for Self-employed

  • Needs to pay the full health insurance amount on his/her own
  •  Can choose between public health insurance and private health insurance
  • Mostly, private health insurance looks like the better option for self-employed people

Social Security System in germany

  • Contribution of 14,6% plus an additional contribution rate of 1,3% on average (public)
  • High earners (above 64.350€ gross per year) can freely choose between public and private
  • Health insurance as an employee is always split in half between you and your employer

Our "Insurance In Germany" YouTube Playlist

Every week we publish at least 1 video on our PerFinEx YouTube channel on all things personal finance in Germany. Below you can find our playlist that contains all videos related to German insurances. That is all you need to bring your insurance game to the next level.

Health Insurance Calculators

Are you looking for the right additives to your health insurance in Germany for you? Our insurance calculators will help you find the best insurance providers and the cheapest quotes.

Best Dental Insurance

Find the best dental insurance in Germany with the lowest premium. By getting a German dental insurance through our calculator you might also secure some bonuses.

Best Travel Insurance

Find the best travel insurance in Germany with the lowest premium. By getting a German travel insurance through our calculator you might also secure some bonuses.

Our service and contact

Personal finance in Germany can be difficult – especially as an expat with limited German language skills. We make your financial planning as easy as possible. All you need is a device that is connected to the internet to secure a free online meeting with us.

Reach out to us and secure a free 30-minute online meeting with us.

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