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What Our Customers Say About Us:

This Company is perfect for any English-speaking families who are new to Germany and confused by the many health insurance options in Germany.
B-protected helped us to get the very best deal on our health insurance, both in terms of price and quality.
I am very happy indeed to recommend B-Protected!

Dinah McL. 45 years, British

Director of Corporate Social Responsibility

I came across B-Protected Web page and I wrote them about my situation. They not only responded very quickly but the were very personal and professional with guiding me in the right direction for my medical insurance in Germany. I truly recommend their Services because they have a personal touch in a very professional manner.

Rodney D. 49 years, American

lt Ingenieur

Based on my wonderful experience with B-Protected, I strongly recommend anyone living in Germany who need an health insurance for Germany, to get in contact with them. They are very professional, efficient, customer warm & friendly and talking very good english. You will not miss anything! Vielen Dank.

Neil G. 32 years, Indian

Marketing Director

Your Health, Our Priority - Bprotected

Welcome to Bprotected, your trusted source for comprehensive health insurance coverage in Germany. We understand that choosing the right insurance plan can be a daunting task, which is why we're here to simplify the process for you. Our goal is to provide you with the best health insurance options and expert advice to make sure you have the right coverage for your needs. Whether you're a new resident in Germany or simply looking to change your insurance plan, we've got you covered. Browse our website to get a free quote, and take the first step towards peace of mind for you and your loved ones.

Thank you for considering Bprotected. We look forward to working with you to meet your healthcare needs and provide you with the best coverage and care available.

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We offer Medical Insurance in Germany

For Employees

Health insurance is compulsory for everyone in Germany. Special regulations govern who can take up public health insurance or private health insurance. Employees are automatically compulsory insured unless they meet the income threshold (JAEG) of €66,600 gross income per year, or €5,550 gross income per month during 2023. This threshold is recalculated annually.

For Freelancer & Self-employed

Since April 2017 only certain groups needed to have health insurance in Germany. The health insurance reform in 2009 made it compulsory for everyone to take out health insurance in Germany including self-employed persons. Self-employed persons and freelancers in Germany can freely choose if they would like to be voluntarily insured in the public health insurance or be privately insured.

For Visa & Residence Permit

Before a VISA and residence permit is issued in Germany, the legal requirement of having a valid health insurance must be met. Since 2009, everyone in Germany is required to have valid health insurance. Proof of health insurance must be shown when requesting a VISA and before a residence permit is issued.

Frequently asked questions

The difference, benefits, disadvantages and regulations between private and public health insurance in Germany can be difficult to understand. The following questions will help you understand if a private health insurance is right for you.

What is statutory health insurance (SHI) in Germany?

SHI is a mandatory health insurance system in Germany that is financed by contributions from both employees and employers. It covers a wide range of medical services, including doctor visits, hospital stays, and prescription drugs.

How does the German healthcare system work?

The German healthcare system is divided into two parts: statutory health insurance (SHI) and private health insurance (PHI). SHI is mandatory and is financed by contributions from employees and employers. PHI is typically more expensive but offers more comprehensive coverage and benefits.

Can I choose my own doctor and hospital with SHI?

Yes, with SHI, policyholders have the freedom to choose their own doctors and hospitals.

What is the difference between statutory and private health insurance in Germany?

Statutory health insurance (SHI) is mandatory and is financed by contributions from employees and employers. It is generally considered to be the more affordable option and covers a wide range of medical services. Private health insurance (PHI) is typically more expensive but offers more comprehensive coverage and benefits.

How much does health insurance cost in Germany?

The cost of health insurance in Germany can vary depending on factors such as income and the type of insurance chosen (SHI or PHI). On average, SHI can cost around 14% of your gross salary (split between the employee and employer), while PHI can cost several hundred euros per month.

Who is eligible for statutory health insurance in Germany?

All legal residents in Germany are required to have health insurance. Individuals earning less than a certain amount per year are required to have statutory health insurance, while those earning more have the option to choose private health insurance.

Is private health insurance in Germany worth it?

It depends on your individual needs and circumstances. PHI typically offers more comprehensive coverage and benefits, but it is generally more expensive than SHI. It's important to compare different insurance options to find the one that best meets your needs.

What are the benefits of private health insurance in Germany?

PHI typically offers more comprehensive coverage, such as additional benefits, shorter waiting times and more flexible options.

How does the German healthcare system compare to other countries?

The German healthcare system is widely regarded as one of the best in the world, with a high level of quality and accessibility. However, the cost of healthcare has been rising in recent years. In comparison to other countries, the German system is known for its universal coverage, the freedom of choice of doctors and hospitals and the high level of satisfaction of its citizens with the quality of care.

What is the annual insurance limit for 2023?

You can choose to switch to private health insurance if your gross income is above €66,600 per year, or €5,550 per month in the year 2023.

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