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About health insurance in Germany

Health insurance in Germany is split between the public health insurance and private health insurance. While there are key differences in how they operate, there are certain requirements one needs to meet in order to be covered under a private health insurance. Self-employed, freelancers, students and civil servants can freely join private health insurance without any further requirements. Employees can join a private health insurance if they meet the annual insurance limit. The current insurance limit for 2022 is €64,350 per year. Otherwise, employees must be insured under the public health insurance.

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

The Health Insurance System in Germany

In Germany, the health insurance system is based on the principle of social insurance. Insurance coverage is based on and operated with a dual system consisting of statutory health insurance (SHI/GKV), in German referred to as Gesetzliche Krankenversicherung, and private health insurance (PHI/PKV) referred to as Private Krankenversicherung. Since 2009, anyone taking up permanent residence in Germany is required to take up health insurance covering at least hospital and out-patient medical treatments. Health insurance is also required for short-term stays in Germany, so a VISA will not be issued unless valid health insurance is in place.

Persons can be insured under the health insurance system of their country if you are a citizen from the European Economic Area (EEA) or if your home country has a social security agreement with Germany.

Approximately 90% of the German population is either a mandatory or a voluntary member of the public health insurance, while the remaining are insured under private health insurance. A total of over 73 million persons are insured in Germany.


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The assessment ceiling and compulsory insurance limit

Although public health insurance is calculated on the gross income, the assessment ceiling is the maximum insurance contribution one has to pay per month. The maximum insurance contribution is €4,837.50 per month in 2022 (or €58,050 per year). The assessment ceiling is often decisive for members of the public health insurance to switch to private health insurance.

The compulsory insurance limit, on the other hand, is the income limit that enables employees to switch to private health insurance. The current limit for 2021 is €5,362.50 per month in 2022 (or €64,350 per year).


Who can get private health insurance in Germany (PKV)

Every employed person can take out private health insurance as long as the regulations for voluntary health insurance applies to them. This includes students, self-employed persons, and civil servants. Employees can also qualify under the voluntary health insurance if they earn more than the annual wage limit of €64,350 for 2022. This compulsory wage limit is recalculated each year.


Both self-employed and freelancers can choose private health insurance. In fact, public health insurance providers are not obligated to cover third-country nationals, thus many are forced to choose private health insurance.

Self-employed persons and freelancers cannot change to public health insurance once they are insured privately. Only by becoming an employee, one can switch to public health insurance. Unlike employees in public health insurance, the cost of private health insurance is payable in full for self-employed persons and freelancers.

Civil servants

Civil servants can be privately insured without any prerequisites and level of income. In many cases, civil servants are also entitled to assistance from their employed, the same way as employees with statutory health insurance.

Civil servants' private health insurance cost is great because their employer covers between 50% to 80% of the cost. Additionally, spouses and children also receive a state subsidy.


The only prerequisite for employees to become eligible for private health insurance is the annual gross income limit (JAEG). This is great for high-earning employees who can benefit from non-income dependent insurance coverage while continue to have the benefit of the employer covering half of the contributions.

We offer Medical Insurance in Germany

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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 €64,350 gross income per year, or €5,362.50 gross income per month during 2022. This threshold is recalculated annually.
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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.
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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.
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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 different types of health insurance in Germany?
The two main types of health insurance in Germany are statutory (public) health insurance and private health insurance.
Who is eligible for statutory health insurance in Germany?
Anyone who earns less than a certain income threshold, is a student, or is unemployed is eligible for statutory health insurance in Germany.
What are the benefits of statutory health insurance in Germany?
Statutory health insurance in Germany covers a wide range of medical treatments and services, including doctor visits, prescription drugs, and hospital stays.
What are the downsides of statutory health insurance in Germany?
One downside of statutory health insurance in Germany is that it can be more expensive for individuals who earn above a certain income threshold. Additionally, there may be longer wait times for certain treatments.
Who is eligible for private health insurance in Germany?
Anyone who earns above a certain income threshold is typically eligible for private health insurance in Germany.
What are the benefits of private health insurance in Germany?
Private health insurance in Germany typically offers more comprehensive coverage and shorter wait times for treatments than statutory health insurance.
Can I switch between statutory and private health insurance in Germany?
Yes, you are able to switch between statutory and private health insurance in Germany, but there may be certain restrictions and waiting periods.
Are there any additional costs for health insurance in Germany?
Yes, there are additional costs such as co-pays for doctor visits and prescription drugs.
Is it mandatory to have health insurance in Germany?
Yes, it is mandatory to have health insurance in Germany, whether it is statutory or private.
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.