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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

Expat Health Insurance for Germany

All German citizens, including expats working and living in Germany, are required by law to have a health insurance in Germany. There are several options when it comes to health insurance for expats in Germany. The public health insurance system is the most popular choice. Around 90 percent of German residents, including expats, are covered by the public health insurance system. Additionally, private health insurance options are available, but there are some requirements one must meet in order to be eligible for a private health insurance. The type of health insurance for expats in Germany you are eligible for, depends on your personal situation, country of origin, amount of time planning to stay in Germany, and income.

Expats who are employed and earn below the ‘compulsory insurance limit’ of €66,600 per year (2023), do not qualify for private healthcare and are automatically enrolled into the public health insurance system. Expats who’s gross income is above the compulsory insurance limit or are self-employed are eligible for a private health insurance or a specific health insurance for Expats in Germany

If you’re planning to stay in Germany long term - that is, for a period longer than 5 years - there are different long-term full comprehensive private insurance options available. If you’re planning to stay in Germany less than 5 years, you can benefit as an expat from a specific health insurance for expats in Germany. The reason for this is because regular private health insurance options typically assist you in saving reserves for the future by creating ageing reserves. However, if you are only visiting Germany short term, there is no need to save this extra money and therefore it can be beneficial to sign-up for a specific health insurance for expats in Germany.

Expat health insurance for Germany is a special private health insurance for expats in Germany that can save you a lot of money if you’re meeting all the requirements for private health insurance and are planning to stay for a short amount of time in Germany. Therefore, if you are employed and earning above the compulsory insurance limit or if you are self-employed and are planning to stay in Germany less than 5 years it is recommendable to look into a specific Expat Health Insurance Plan.

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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.

Who can choose a expat health insurance?
Employees need to meet the annual insurance limit, otherwise they must be compulsory insured in public health insurance. Civil servants, self-employed / freelancers and students can freely take up private health insurance.
What are the advantages of private health insurance?
The main advantages with private health inaruance are faster appointments, shorter waiting times, access to the best physicians, treatments and facilities, contributions are not income dependent and benefits and tariff can be individualised.
How much does expat health insurance cost?
Private health insurance is based on age, health, occupation and tariff chosen. Younger, healthy and high earning persons can therefor greatly benefit from a private health insurance coverage compared to public. The cost can also be adjusted based on coverage, service and the chosen deductible.
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.