Public Health Insurance Germany

Public health insurance in Germany is mandatory for most residents in Germany. It provides basic protection for medical and dental care and can be extended.

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.

Free health insurance for families.
Family health insurance – Helpful advice for expats

If you get free family health insurance depends on the exact job situation or your family. We take a deeper look at the German healthcare system so you can figure out if you and your family are eligible for free family health insurance in Germany.

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.

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FAQ About Public Health Insurance In Germany

Would you like to check if your query has already been answered? Our public 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 public 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.