Get Comprehensive Health Insurance for Freelancers in Germany today!

Stay focused on your work while we take care of your health insurance needs
health insurance germany
Erfahrungen & Bewertungen zu Bprotected
quote icon green
We are here to help you find the right health insurance that fits 100% your needs.
B-Protected® Health Insurance Germany
secure icon
Safe, Secure & Transparent
Why Choose Us:
icon check circle
#1 in Comparison
icon check circle
Only Visa approved Companies
icon check circle
Flexible plans to fit your needs and budget
icon check circle
Fast & Simple application process with no hidden fees
icon check circle
Compare insurance plans from top providers in Germany
icon check circle
No language barrier, as we offer full english speaking customer support

Finding The Best Health Insurance Rates And Coverage In Germany Is Easy And Risk-Free

Follow the steps below to find the best insurance coverage and rates for your personal and business needs

Request a quote

Request a health insurance quote here or by calling us at
+49 162 6978 128

We'll do the work

We compare dozens of insurance companies to find you the best coverage and rates

You get the coverage you need

Relax knowing you've got the coverage you need at the best rates available.
Don't wait until it's too late to protect yourself. Get comprehensive health insurance coverage tailored for freelancers in Germany today.
free health insurance quote

Ready to find the best health insurance in Germany?

Answer a few questions and we'll send you the best expat health insurance offers today!
Benefits & Features:
icon check circle
Find the coverage that best fits your healthcare needs
icon check circle
Fast & Simple processing - Get a quote in minutes and save money on your insurance
icon check circle
Receive expert advice and support from our team of full english speaking insurance specialists
done icon
100% free
done icon
takes only 30 seconds
Please select your occupation:
Date of birth
Valid number
Yearly income (before tax)
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

What Our Customers Say About Us:

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

Your Health, Our Priority - Bprotected

As a health insurance broker providing coverage for freelancers in Germany, at B-Protected we believe that every freelancer should have access to affordable and tailored health insurance plans that meet their specific needs. With the right coverage, freelancers can protect themselves and their businesses from unexpected medical costs, lost income due to illness or injury, and other financial risks.

Our goal is to help freelancers navigate the complex health insurance landscape in Germany and find the right plan that provides comprehensive coverage and peace of mind.

We are dedicated to providing exceptional customer service and support, ensuring that freelancers have the information and resources they need to make informed decisions about their health insurance.

Contact us today to learn more about our plans and how we can help you protect yourself and your business in Germany.

Health Insurance for Freelancer & Self-employed in Germany

health insurance for freelancer in germany

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 Self-employed

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 2023) applies. A reduced contribution rate of 14% can apply under certain conditions.

Disadvantages for Self-employed 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 Self-employed

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 Self-employed 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.

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 is health insurance for freelancers in Germany?
Health insurance for freelancers in Germany is a form of coverage that protects freelancers and their businesses from unexpected medical costs, lost income due to illness or injury, and other financial risks.
Is health insurance mandatory for freelancers in Germany?
Yes, health insurance is mandatory for freelancers in Germany. Freelancers can choose between public or private health insurance plans.
What is the difference between public and private health insurance for freelancers in Germany?
Public health insurance is generally more affordable, but offers fewer benefits and more restrictions. Private health insurance is typically more expensive, but offers more flexibility and a wider range of benefits.
What does health insurance for freelancers in Germany typically cover?
Health insurance for freelancers in Germany typically covers hospital stays, doctor visits, medications, and other medical treatments. Some plans may also include coverage for lost income due to illness or injury.
How do I choose the right health insurance plan as a freelancer in Germany?
It is important to compare different plans based on their coverage, benefits, and costs. Working with us can also help you find a plan that meets your specific needs.
Can I switch health insurance plans as a freelancer in Germany?
Yes, freelancers in Germany have the option to switch health insurance plans. However, it is important to do so during open enrollment periods or when certain life events occur.
What are some of the costs associated with health insurance for freelancers in Germany?
Freelancers in Germany typically pay a monthly premium for their health insurance, as well as copayments and deductibles for certain medical treatments.
What happens if I don't have health insurance as a freelancer in Germany?
Freelancers who do not have health insurance in Germany may face fines or other penalties.
Are there any tax benefits associated with health insurance for freelancers in Germany?
Yes, freelancers in Germany may be able to deduct health insurance premiums from their taxes.
How can I get started with finding the right health insurance plan as a freelancer in Germany?
You can get started by researching different plans online, speaking with a health insurance broker, or contacting a specific insurance provider for more information.