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.

The German Health Insurance System In A Nutshell

Germany is renowned for its exceptional and all-encompassing healthcare system. The country provides its residents with health, sick pay, and long-term care insurance coverage, making it one of the most comprehensive healthcare systems in the world. On this page, we will explore the German health insurance system in a nutshell.

The German health insurance system can be divided into two main categories: public and private. Approximately 90% of the population is a mandatory or voluntary member of the public health insurance scheme, while the rest have private health insurance.

In addition, the German health insurance system mandates that all individuals living in Germany must have insurance coverage for hospital and outpatient medical treatment. Failure to comply with this mandate results in heavy penalties, including fines and possible deportation.

Public health insurance is available to all individuals, regardless of their income, age, or pre-existing health conditions. Under the public health scheme, members are required to make monthly contributions based on their income, which are split between the employee and employer. These contributions cover all necessary healthcare services, including doctor’s visits, hospitalization, prescription drugs, and rehabilitation.

The costs of the public healthcare system in Germany are enormous and continuously rising due to various factors, including demographic structure, medical cost inflation, and the growing bureaucracy that increases with each reform. The expected loss for the public health system in 2023 is over 17 billion Euros, and financing is through payments made by the members of the German public health scheme and their employers, along with ever-higher tax subsidies.

Private health insurance in Germany is available to individuals who earn more than a certain income threshold (66.600€ in 2023), self-employed, or freelancers. Under the private health insurance system, members pay a monthly premium based on their age, health status, and the benefits included in the plan. Private health insurance generally provides more extensive coverage than public health insurance, including dental and vision care, and access to specialized doctors and hospitals.

The German health insurance system is regulated by the Federal Ministry of Health and the Federal Joint Committee, which is responsible for setting healthcare regulations, policies, and guidelines. The healthcare system also requires a high level of transparency and accountability, with regular reviews and evaluations of the quality of care provided by healthcare providers.

Our Latest Health Insurance Videos

In our YouTube Playlist, we cover everything there is to know about German health insurance including a comprehensive overview. Among other things, we inform you about current events, misstatements, errors, and changes in the German health insurance system.

Our Latest Health Insurance Blog Posts

In our blog, we cover everything there is to know about German health insurance including a comprehensive overview. Among other things, we inform you about current events, misstatements, errors and changes in the German health insurance system.

Our Latest Health Insurance Blog Posts

In our blog, we cover everything there is to know about German health insurance including a comprehensive overview. Among other things, we inform you about current events, misstatements, errors and changes in the German health insurance system.

Find The Best Health Insurance For You With Our Calculators

With our calculators, you have the possibility to easily and as quickly as possible conclude your desired insurance. Depending on the type of insurance you have the possibility to choose different providers and take the insurance out immediately.

Best Dental Insurance
in Germany

Find the best dental insurance in Germany with the lowest premium.

Fastest Way To PUBLIC Health Insurance In Germany

Find the best PUBLIC health insurance in Germany for your individual situation.

Best Travel Health
Insurance in Germany

Find the best travel health insurance in Germany with the lowest premium.

Fastest Way To PRIVATE Health Insurance In Germany

Find the best PRIVATE health insurance in Germany for your individual situation.

Find The Best Health Insurance For You With Our Calculators

With our calculators, you have the possibility to easily and as quickly as possible conclude your desired insurance. Depending on the type of insurance you have the possibility to choose different providers and take the insurance out immediately.

Best Travel Health
Insurance in Germany

Find the best travel health insurance in Germany with the lowest premium.

Fastest Way To PUBLIC Health Insurance In Germany

Find the best PUBLIC health insurance in Germany for your individual situation.

Fastest Way To PRIVATE Health Insurance In Germany

Find the best PRIVATE health insurance in Germany for your individual situation.

Best Dental Insurance
in Germany

Find the best dental insurance in Germany with the lowest premium.

Are you looking for something specific?

Public Health Insurance In Germany

The following will take you to our page on public health insurance in Germany. Here you can expect comprehensive information about the German healthcare system and the benefits and obligations of membership in the public health insurance.

You will learn how to sign up for statutory health insurance, what services are covered by the insurance, how to access medical care, and what to expect from the quality of the services offered. You will also find information on the cost of public health insurance, how the system is financed, and the obligations that individuals and employers face.

This information will help you to navigate through the German healthcare system and make informed decisions about your healthcare in Germany.

Public health insurance in Germany

Our Latest Public Health Insurance Videos

In our YouTube playlist about public health insurance, we go into detail about it and show you how exactly public health insurance works and options on how you can improve it. This page includes a comprehensive overview about the German public health insurance.

Our Latest Public Health Insurance Blog Posts

In our blog, we cover everything there is to know about public health insurance in Germany and also a comparison to the private health insurance. Among other things, we inform you about current events, errors and changes in the field of statutory health insurance.

Our Latest Public Health Insurance Blog Posts

In our blog, we cover everything there is to know about public health insurance in Germany and also a comparison to the private health insurance. Among other things, we inform you about current events, errors and changes in the field of statutory health insurance.

Find The Best Public Health Insurance For You With Our Calculators

With our calculators, you have the opportunity to take your public health insurance to a new level. No matter whether you switch to statutory health insurance with better conditions or improve your current one. Here you are able to take out the insurance immediately.

Fastest Way To PUBLIC Health Insurance In Germany

Find the best PUBLIC health insurance in Germany for your individual situation.

Best Dental Insurance
in Germany

Find the best dental insurance in Germany with the lowest premium.

Find The Best Public Health Insurance For You With Our Calculators

With our calculators, you have the opportunity to take your public health insurance to a new level. No matter whether you switch to statutory health insurance with better conditions or improve your current one. Here you are able to take out the insurance immediately.

Fastest Way To PUBLIC Health Insurance In Germany

Find the best PUBLIC health insurance in Germany for your individual situation.

Best Dental Insurance
in Germany

Find the best dental insurance in Germany with the lowest premium.

Learn More About Health Insurance in Germany On Social Media

Social media can be a valuable source of information when learning more about health insurance in Germany. By following our accounts, you can get helpful tips, news, and resources related to health insurance policies and regulations in Germany.

Private Health Insurance In Germany

The following will take you to our page on private health insurance. Here you can expect comprehensive information about private health insurance and the benefits and obligations of having such insurance.

You will learn about the different types of private health insurance plans available, how to compare them, and how to choose the plan that best fits your needs. You will also find information on the cost of private health insurance, what services are covered, how to access medical care, and what to expect from the quality of the services offered.

Additionally, we will provide you with information on how private health insurance is regulated in Germany and what your rights and obligations are as a policyholder. This information will help you make informed decisions about your healthcare and ensure that you have the coverage you need to meet your health needs.

Our Latest Private Health Insurance Videos

On our YouTube playlist about private health insurance, we go into detail about it and show you exactly how private health insurance works and what you should consider. Among other things, we compare them to the public health insurance in Germany.

Our Latest Private Health Insurance Blog Posts

In our blog, we report on everything there is to know about private health insurance in Germany and give a comprehensive overview. Among other things, we inform you about current events, misconceptions and changes in the field of private health insurance.

Our Latest Private Health Insurance Blog Posts

In our blog, we report on everything there is to know about private health insurance in Germany and give a comprehensive overview. Among other things, we inform you about current events, misconceptions and changes in the field of private health insurance.

Find The Best Private Health Insurance For You With Our Calculators

With our calculators you have the possibility to apply for a private health insurance very comfortably and as fast as possible. This option will forward you, so you can take out a private health insurance immediately.

Fastest Way To PRIVATE Health Insurance In Germany

Find the best PRIVATE health insurance in Germany for your individual situation.

How You Benefit From Working With PerFinEx

PerFinEx GmbH is registered as an independent financial advisor in all fields of personal finance: insurance, investments, and loans according to § 34 German trade regulations (Gewerbeordnung) & supervised by the German Chamber of Commerce and Industry (IHK).

Independent Advice

We are an independent financial advisor working with hundreds of different banks, insurance & pension companies.

No Additional Costs

We are paid in commissions that the German government regulates. Working with us comes at no extra cost for you.

Licensed & Regulated

We are licensed in all 3 different fields of personal finance and compliant with German financial laws & regulations.

Travel Health Insurance In Germany

Travel health insurance in Germany is essential for visitors and tourists, as it provides coverage for medical expenses and emergency medical care during your stay in Germany.

With travel health insurance, you can access medical treatment without worrying about the high costs of healthcare in Germany. This type of insurance typically covers medical emergencies, hospitalization, and repatriation in case of serious illness or injury.

Travel health insurance in Germany

Our Latest Travel Health Insurance Videos

In our YouTube playlist on travel health insurance, we show you for whom travel health insurance is an option and what to consider. Additionally, you will find the best way to take out a travel health insurance in Germany.

Our Latest Travel Health Insurance Blog Posts

In our blog, we report on everything there is to know about travel health insurance in Germany. Among other things, we inform you about current events, application options, and changes in the field of travel health insurance.

These 9 steps are important when moving to Germany.
Moving to Germany – A complete guide for expats

You want to move to Germany? Then you need to do all 9 steps on our list "Moving to Germany". We have compiled this list of all the really necessary points that you need to do before and after your arrival in Germany

Our Latest Travel Health Insurance Blog Posts

In our blog, we report on everything there is to know about travel health insurance in Germany. Among other things, we inform you about current events, application options, and changes in the field of travel health insurance.

These 9 steps are important when moving to Germany.
Moving to Germany – A complete guide for expats

You want to move to Germany? Then you need to do all 9 steps on our list "Moving to Germany". We have compiled this list of all the really necessary points that you need to do before and after your arrival in Germany

Find The Best Travel Health Insurance For You With Our Calculators

With our calculators, you have the possibility to find the best travel health insurance plan for your situation as quickly and conveniently as possible and additionally, you can apply for it right away and take the travel health insurance out immediately.

Best Travel Health
Insurance in Germany

Find the best travel health insurance in Germany with the lowest premium.

What Our Amazing Clients Say About Us

To gain insight into what it’s like to work with us, take a look at the feedback from our clients. Furthermore, you have the opportunity to provide us with your own review as simple as it gets with the button below.

Parth Sarthi PandeyParth Sarthi Pandey
14:50 07 Dec 22
It was wonderful working with PerFinEx. You get clear and honest advice and I had one of the most smooth experiences of buying any policy in Germany.
I've had a few calls with the folks from PerFinEx. I quickly built trust and started using their services. They present themselves as a key partner for your finances, specially when you are not from Germany.I'm looking forward to building a lasting business relationship with them. It's been such a great start.
Rajwinder SinghRajwinder Singh
16:28 12 Aug 22
Best Financial advisor for Expats! I am happy to collaborate you. Thanks for advising on how to maximize my financial gains. 🙂 I would totally recommend PerFinex to anybody looking to maximize their earnings.
Satwik ShenoySatwik Shenoy
09:55 20 Jun 22
PerFinEx for expats in Germany is a legit one-stop shop for all your insurance needs and financial planning. They managed to solve all my insurance problems in Germany in no time and their YouTube videos are super informative.Axel and Pascal were a pleasure to work with. I'd highly recommend you talk to them. Even if you already have your insurances, you could revisit your current situation and work on making them better and more efficient. The way he speaks clearly shows he is here to help.Wishing you all the very best and keep those videos coming!
Luis Alfonzo GonzálezLuis Alfonzo González
20:52 15 Mar 22
I first got in touch with Axel through his YouTube channel, then we arranged a meeting and he was super helpful and explained everything to me. I really value his patience and work ethic. I can recommend him for all expats living in Germany!
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FAQ About Health Insurance In Germany

Would you like to check if your query has already been answered? Our health insurance in Germany FAQ includes all the essential questions that you may be interested in. If you have other questions, just simply write us a message below.

How much does health insurance in Germany cost?

Public health insurance is charged with a basic premium of 14.6% and an additional charge of, on average, 0.9% of your gross income. This must be paid for a maximum income of 4,425€ monthly. Higher incomes will not be charged for your health insurance in Germany. In contrast, private health insurance is calculated on an individual basis. Therefore, your health status and your entry age are the most important factors for your monthly costs.

How can a foreigner get health insurance in Germany?

As soon as you come to Germany and start to work here, your employer will register you with German public health insurance. However, you can still look for health insurance yourself. To do this, you must inform your employer within two weeks of starting work. Our recommendation is to talk to an insurance expert to get the best health insurance in Germany for your individual situation. Anyhow, finding German health insurance for foreigners is not the problem, the difficulty is rather to find the right one.

How do I get private health insurance in Germany?

If you are self-employed, a civil servant, earn above 66.600€ yearly, have no basis to join public insurance, or are a student who renounces their public insurance, you are free to choose either public or private health insurance. Therefore, you need to cancel your public insurance, get private insurance, and send some letters of your private health insurance confirmation to your current, already canceled public health insurance. We at PerFinEx can help you find the best private health insurance in Germany for your individual situation. We will also help you with the German paperwork.

How do I choose health insurance in Germany?

Your health insurance options depend on your income and employment status. Most people in Germany are forced to be insured in statutory health insurance. Therefore, it will be the same coverage with any provider and only a small difference in cost. However, if you are self-employed, a civil servant, or earn more than 64.350€, you are eligible for private health insurance. In this case, our recommendation is to discuss your individual situation with an insurance expert, such as us, to find out what makes the most sense for you.

Book A Free Meeting With Us To Discuss Your Health Insurance

Finding the best health insurance in Germany for you can be difficult – especially as an expat with limited German language skills. Secure a free meeting with us & our health insurance experts will make choosing the best health insurance as easy as possible for you.

Get In Touch With Us

Would you like to learn more about health insurance in Germany or do you need help by setting up the right health insurance plan for your individual situation? Please feel free to send us a message.