What our clients say

star iconstar iconstar iconstar iconstar icon

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
star iconstar iconstar iconstar iconstar icon

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
star iconstar iconstar iconstar iconstar icon

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

German Health Insurance for freelancers

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. The choice needs some consideration as public and private health insurance is fundamentally different.

Public Health Insurance for Freelancer in Germany

Public health insurance is calculated based on your income at a rate of 14.6%. Additionally an additional contribution rate of 1,3% (average for 2022) applies. A reduced contribution rate of 14% can apply under certain conditions.

Disadvantages for Freelancers in Public Health Insurance

While each persons situation is a bit different, disadvantages for self-employed and freelancers in public health insurance are:

  • Low income self-employed persons may struggle due to the minimum health insurance contribution.
  • High earners may pay a lot or even the maximum amount due to the contributions being calculated on the income.
  • Sick-pay coverage is not from day one and requires additional protection and costs.
  • Public health insurance plans often have long commitment terms.
  • Long waiting times for appointments and treatments may lead to long periods with no income.

However, if you are a large family, the family insurance under a public policy covers all dependents as well. This means it may still be more cost effective when comparing to a private health insurance for every family member. The coverage and service may not be the same however.

Private Health Insurance for Freelancers in Germany

Private health insurance contributions are calculated on age, state of health, occupation and the level of coverage. This means that young persons, specially high earners, get a much better coverage/service vs. price compared to public health insurance coverage.

The insurance coverage by private health insurance companies are also more flexible, you can adjust your monthly premium by choosing individual services according to your needs.

Benefits of Private Health Insurance for Freelancer Persons

Private health insurance is popular among self-employed persons and freelancers. It is not only because the majority of self-employed persons are younger and healthy, but also because of the increased service and flexibility it provides. The main benefits with private health insurance is:

  • Price is not dependent on income.
  • Flexible insurance coverage.
  • Shorter waiting times and fast appointments.
  • Premium refunds and bonus programs when nothing is being claimed.
  • Contributions can be adjusted based on service or increase in deductible.

Private Health Insurance is Tax Deductible

The cost of basic protection equivalent to public health insurance is tax deductible up to at least 80%. These are considered special expenses and can be added to your tax return. The health insurance company determines the exact amount (dependent on the services) and will issue you your tax certificate each year.

Changing from Private to Public Health Insurance

When self-employed persons decide to take out private health insurance, this decision is irrevocable. This means you become exempt from public health insurance and the only way to enter public health insurance is if you become an employee or in case of unemployment.

We can help you decide

As independent insurance brokers, we do not only advice you on what the best option is for you, but you also get access to the best insurance providers. You get free advice and the best price vs coverage for your needs.

Answer a few questions and we'll send you the best offers, tailored 100% to your needs here.

Excellent Coverage, Free Quotes and Help With Choosing the Best Health Insurance Plan
free health insurance quote
health insurance in germany

In summary, we are proud to offer:

  • check icon
    Health insurance for Freelancers in Germany
  • check icon
    Immediate, free insurance quotes
  • check icon
    Excellent Coverage
  • check icon
    Assistance with form completion
  • check icon
    Fast & simple processing
  • check icon
    Guaranteed 48-hour turnaround for residence permit applications
Welcome center germany affiliated logo

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 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.