health insurance germany
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Health Insurance for Employees in Germany tailored 100% to your needs!

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You are employed and living in Germany?

In summary we are proud to offer:

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takes only 30 seconds
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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

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 (annual earning limit -"JAEG"). The current insurance limit for 2022 is €64,350 per year. Otherwise, employees must be insured under the public health insurance.

Idependent Advice

As a independent health insurance broker, we offer all German health insurances on the market.

English speaking support

Don't worry about German speaking doctors and forms, we help you with everything in English.

Get your visa

Fulfills German health insurance legal requirements, we prepare your documents.

After sales service

We support you along the way in English, when claiming and make sure you are protected hassle free.
We are here to help you find the right health insurance for Germany that fits your needs
free health insurance quote

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 private 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 private 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 2022?
The current annual insurance limit for 2022 is €64,350 gross income per year, or €5,362.50 gross income per month.