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

Health Insurance for VISA & Residence Permits in Germany

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.

The type of health insurance once can choose is determined by type of employment and income. Germany has a dual health insurance system, operated by public and private health insurance providers.

Public and Private Health Insurance in Germany

If you are self-employed in Germany, or have received an offer as an employee in Germany, you are either compulsory or voluntarily insured in the public health insurance. Those who are self-employed or voluntarily insured in the public health insurance, can choose to be insured with a private health insurance provider.

Health Insurance is a Requirement for VISA & Residence Permits

Non EU-citizens who are staying in Germany for 90-days or more must apply for a Germany residence permit or VISA. This will only be issued if sufficient health insurance coverage is in place. Since public health insurance providers are not required to cover third-country nationals, they are often forced to choose a private or international health insurance. However, the health insurance coverage must meet certain legal requirements and meet the minimum coverage standards compared to public health insurance.

Many international health insurance providers are travel insurances which do not meet the legal requirement of the German law. It is therefor extremely important to understand if you are sufficiently covered.

Independent Advice from Expat Brokers

The free and independent advice from us at Expat Brokers can help you determine the best choice of health insurance for you. We know German health insurance in and out, and can help you save money while having excellent coverage which meets the German requirements.

Answer a few questions here and we'll send you the best offers, 100% tailored to your needs!
Excellent Coverage, Free Quotes and Help With Choosing the Best Health Insurance Plan
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In summary, we are proud to offer:

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    Health insurance for German Visa
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    Friendly, knowledgeable service
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    Specific plans for employees, freelancers and self-employed
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    Assistance with form completion
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    Fast & simple processing
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    Guaranteed 48-hour turnaround for residence permit applications
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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 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.