Health Insurance in Germany

Health Insurance in Germany plays an important role in providing security for you and your loved ones. However, there are important differences between the possible insurance. For example, there are public health insurances and private health insurances in Germany. We will bring clarity which health insurance is best for your situation.

Health Insurance in Germany

Health insurance in Germany 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, choosing and communicating with a private health insurance company and plan, feel free to reach out to us.

Cashback from health insurance in Germany

In the following, we explain everything you need to know about the cashback of german health insurance. In general, parts of the contributions paid into the health insurance fund can be refunded. For example, if no benefits have been claimed for a year. Here, too, the possible extent of the refund differs depending on the insurance. Those who are covered by public health insurance in Germany often have little chance of getting their money back in full.

Cashback
  • Cashback is money that you will get back from your health insurance in case you don’t use it.
  • About 80% of all people in Germany have public health insurance with most likely no cashback options.
  • Private and public health insurance pay totally different amounts. Find out how much you could get.

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
How to reduce your German health insurance cost

How To Pay Less For German Health Insurance

German health insurance is pretty expensive. Especially the PUBLIC health insurance with the increased costs of 2023. 😱 Everyone in Germany can lower their health insurance costs (in public & in private) by switching to a health insurance plan with a deductible.

Cashback

Cashback From German Health Insurance

Cashback is money that you will get back from your health insurance, in case you don’t use it.
Private and public health insurance pay totally different amounts. Find out how much you could get.

Private Health Insurance

How to find the right German private health insurance

Many expats living in Germany choose a German private health insurance over a public health insurance. Expat health insurance in Germany is a topic of major concern for anyone working abroad. What is really important when choosing a German private health insurance plan?

Public Health Insurance In Germany Exposed

It is our concern to point out misleading information and false promises. Therefore, we have taken a close look at the big blue health insurance company. What you should be concerned about:

  • 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 in Germany: Deductions from your Payslip

Public health insurance in Germany will be directly deducted 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 health insurance in Germany is deducted. We will help you with the following articles, so that you, hopefully, become an expert in health insurance 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 "Health Insurance In Germany" YouTube Playlist

Every week we publish at least one 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 in Germany - 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 in Germany

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 Health Insurance in Germany

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

FAQ about health insurance in Germany

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.

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.

If you are self-employed, a civil servant, earn above 64,350€ 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.

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.

Experts on all aspects of health insurance in Germany: 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 including advise on expat health insurance in Germany. 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.