Discover the Best Private Health Insurance in Germany - Get Comprehensive Coverage Today!

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B-Protected Health Insurance Germany

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What our clients say

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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
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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
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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

Picking the Best Private Healthcare Insurance Provider in Germany

There are around forty private companies in Germany offering private health coverage plans. Picking the best provider can be an overwhelming task. You have to look and possibly get a customized plan.

These are the most important factors to consider when choosing private health insurance:

1. Coverage

Perhaps the most crucial consideration is healthcare coverage. Being underinsured is never a good thing. You have to ensure you pick a plan without any gaps. Compare plans from different providers before you settle for one. If you require regular prescriptions, ensure they are included in the plan. A great cover should limit your out-of-pocket expenses.

2. Premiums

How much are you going to pay each month for the cover? If you don't consider the costs, you might end up with a plan you can barely afford. Great companies are willing to tailor health insurance based on your income and health. That ensures everyone has the coverage they can easily afford. If you stop making monthly payments, you might risk losing your health insurance. As much as everyone wants to save some coins, going with the cheapest option in the market is not always the best. See if there are any discounts you qualify for; they help reduce the costs.

3. Customer Support

You are going to be a long-time customer of the company. You have to be sure their customer services are reputable. When you run into billing or any other issues, they should be ready and available to help. Therefore it is advisable to look into the operating hours of the Customer Service Department of the company, at least if they have a medical helpline available that can be reached 24/7 in case of emergency. In addition, it is always good to check if they have full English speaking support available, especially in case of emergency. Testimonials from past and current customers can tell you how the company handles customer issues.

4. Provider Network

Small companies usually have a small network. Their insurance policies may not be accepted everywhere in Germany. To avoid inconveniences, choose a private insurance provider with a vast network. Companies are willing to share this information to make your decision-making easy.

5. Health Insurance Underwriting

Medical underwriting describes how your medical history is used to evaluate your application. This is an essential thing to consider, especially when you have pre-existing conditions. Find out if the company requires a full examination before going forward.

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How to buy private health insurance in Germany

Eligibility Criteria for private health insurance Germany

The eligiblity criteria for getting private health insurance depends mainly on your occupation. Employees are eligible for private health insurance if they meet the annual gross income limit (JAEG).

Civil servants can be insured privately without any prerequisites and level of income. In the majority of cases the employer covers half or more of the insurance cost similar to employees.

Self-employed, freelancers and students can freely choose to be insured privately. Addidiotnally, public health insurance providers are not obligated to cover third-country nationals so in many cases self-employed persons need to take out a private health insurance.

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Documents Required to buy private health insurance for Germany

Employed persons who will be insured through the public health insurance will be registered and insured by their employer. However, employees can choose any public health insurance providers they prefer, this needs to be communicated to their employer and no further requirements are needed.

Since private health insurance costs are calculated on your health status, among others, it is necessary to provide a doctor evaluation form. The appointment can be set up by us, and once completed the only thing we require is a copy of your passport.

The process of buying German private health insurance

First request a quote from us, we will then assess your basic information such as income and age. After this, your needs are discussed to ensure your coverage is according to your personal situation.

You will receive a free quote from us and we will help you understand the ins and out of the health insurance coverage, costs and benefits.

As soon as you accept our offer, you complete the signup process and get your health insurance card.

We offer after sales support such as claiming and doctor appoints among others. Be protected, hassle free!

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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 are the factors to consider when choosing a private health insurance in Germany?
Consider factors such as coverage, cost, network of hospitals and doctors, flexibility and customer service.
How does the cost of private health insurance in Germany compare to the public system?
Private health insurance in Germany is typically more expensive than public health insurance, but offers more comprehensive coverage and a wider range of options.
Can I switch from public to private health insurance in Germany and vice versa?
Yes, you can switch from public to private health insurance and vice versa, but there may be restrictions and limitations to switching.
How can I compare different private health insurance providers in Germany?
You can compare providers by reading their policy details and looking at factors such as coverage, cost, network of hospitals and doctors, customer reviews and more. We help you with all this free of charge!
Are there any government subsidies available to help with the cost of private health insurance in Germany?
Yes, there are government subsidies available for individuals with low to moderate income levels to help with the cost of private health insurance.