German Health Insurance




+49 (0)30-220127515

for freelancers

Health insurance in Germany has been compulsory since 2009 for those living and working permanently or temporarily in the country, irrespective of whether ...

read more

for employees

In Germany there are 2 health insurance systems, both equally valid and running in parallel. These are state health insurance and private health insurance ...

read more

residence permit

For those living and working in Germany, since 2009 it's been a legal requirement to have health insurance in place. Non-EU citizen planning to stay in Germany ...

read more

In summary, we are proud to offer:

  • Immediate, free insurance quotes
  • Friendly, knowledgeable service
  • Specific plans for employees, freelancers and the self-employed
  • Assistance with form completion
  • Fast, simple processing
  • Guaranteed 48-hour turnaround for residence permit applications

German Health Insurance

German Health Insurance

If you live and work in Germany, you have the choice of statutory health insurance, known as Gesetzliche Krankenversicherung (GKV) or private health insurance, known as Private Krankenversicherung (PKV). You can choose private health insurance if your income is above a certain level or if you are self-employed.

Private health insurance is available from German and international companies, but it’s important to note that not all international companies offer policies that fulfil the obligations of German law. If you take out private health insurance with an international company, you must able to prove that it provides at least the mandatory minimum covered by statutory health insurance, which includes provision for chronic disease and elderly care.

It is also worth noting that, unlike statutory health insurance, private health insurance is based on your risk profile or, in other words, your age and state of health. Your premium is calculated on the basis of the average cost of medical across different demographic groups so, if you are female or an older person of either sex you are likely to pay more for your private health insurance than say, a young man.

We only refer companies that comply with German law and, as independent health insurance brokers, offer clear, unbiased advice on all aspects of German health insurance. We understand that expatriats have different expectations of, and requirements from, health insurance, so we are on hand to help you negotiate the labyrinth of health insurance legislation, so that you arrive at a suitable, cost-effective health insurance policy for your stay in Germany.

Of course, terms and conditions vary from policy to policy, so it is critical that your chosen policy provides sufficient cover for any illness or injury that befalls you, or your family, during your time abroad. As with any other insurance policy, you need to weigh up the cost of the premium against the benefits offer, but insufficient cover for emergency or critical procedures could leave you will an eye-watering bill if the worst comes to the worst.

In an emergency, you can be admitted directly to a contracted hospital, which will contact your insurance provider to confirm that the costs of your treatment will be met. However, if you lack sufficient insurance cover, you will still have to pay a fixed daily charge for the first 28 days of any in-patient treatment and this payment will not be reimbursed.


This Company is perfect for any English-speaking families who are new to Germany and confused by the many health insurance options there are here. 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. 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 insurance, 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.

Jerry Z. 32 years, Japanese
Marketing Director