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B-Protected® Health Insurance Germany

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A brief overview of the importance of having health insurance in Germany and the different options available (statutory and private health insurance)

Are you living or working in Germany? Don't wait until it's too late, ensure that you have access to the medical care you need with the right health insurance coverage. Don't risk facing exorbitant medical bills without protection. With our help, you can easily understand and compare the two main options of health insurance in Germany: statutory (public) health insurance and private health insurance.

Statutory health insurance may be the more affordable option, but it may not always provide the comprehensive coverage that you need. On the other hand, private health insurance may cost more, but it offers more comprehensive coverage and shorter wait times for treatments.

Don't miss out on this opportunity to make an informed decision and choose the health insurance plan that best fits your individual needs and circumstances. Act now, and let us guide you through the process of securing your health in Germany.

Secure your health and future with our comprehensive health insurance - Request a quote now
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How to Apply for Health Insurance in Germany

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Complete our form

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Answer a few questions and we'll send you the best German health insurance offers today!

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    We offer a wide range of health insurance options from different providers
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    We Provide ongoing support and assistance with claims and policy changes
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    Guaranteed 48-hour turnaround for residence permit applications
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    Clear and transparent information about policies and coverage
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    Health Insurance for Freelancers & Self-employed
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    It's Fast & simple

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

Private Health Insurance in Germany - Explanation of who is eligible & benefits

Are you looking for the most comprehensive coverage and shortest wait times for medical treatments in Germany? Look no further than private health insurance. Available to individuals who earn above a certain income threshold, private health insurance offers the ultimate peace of mind and protection.

With private health insurance, you'll have access to a wider range of medical treatments and services, including alternative therapies and treatments not covered by statutory health insurance. Imagine being able to have the best medical care without the worry of exorbitant medical bills.

Don't miss out on this opportunity to secure your health with private health insurance. With the added flexibility of switching to statutory health insurance if your income falls below a certain threshold, there's no risk in choosing private health insurance. Act now and experience the ultimate protection for you and your loved ones.

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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.

Statutory Health Insurance in Germany - Explanation of who is eligible, benefits, and downsides of statutory health insurance.

Statutory health insurance, also known as "public health insurance," is a type of insurance provided by the German government. It is typically less expensive than private health insurance and is available to a wide range of individuals, including those who earn less than a certain income threshold, students, and the unemployed.

The benefits of statutory health insurance include access to a wide range of medical treatments and services, including doctor visits, prescription drugs, and hospital stays. Additionally, statutory health insurance is generally accepted by all medical providers in Germany, making it easy to access medical care when you need it.

However, there are also downsides to statutory health insurance. One downside is that individuals who earn above a certain income threshold may be required to pay more for their coverage. Additionally, there may be longer wait times for certain treatments compared to private health insurance.

It's important to consider your own personal circumstances and budget to decide whether statutory health insurance is the best option for you. It is also important to note that even if you are eligible for statutory health insurance, you have the freedom to choose private health insurance instead.

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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 is statutory health insurance (SHI) in Germany?
SHI is a mandatory health insurance system in Germany that is financed by contributions from both employees and employers. It covers a wide range of medical services, including doctor visits, hospital stays, and prescription drugs.
How does the German healthcare system work?
The German healthcare system is divided into two parts: statutory health insurance (SHI) and private health insurance (PHI). SHI is mandatory and is financed by contributions from employees and employers. PHI is typically more expensive but offers more comprehensive coverage and benefits.
Can I choose my own doctor and hospital with SHI?
Yes, with SHI, policyholders have the freedom to choose their own doctors and hospitals.
What is the difference between statutory and private health insurance in Germany?
Statutory health insurance (SHI) is mandatory and is financed by contributions from employees and employers. It is generally considered to be the more affordable option and covers a wide range of medical services. Private health insurance (PHI) is typically more expensive but offers more comprehensive coverage and benefits.
How much does health insurance cost in Germany?
The cost of health insurance in Germany can vary depending on factors such as income and the type of insurance chosen (SHI or PHI). On average, SHI can cost around 14% of your gross salary (split between the employee and employer), while PHI can cost several hundred euros per month.
Who is eligible for statutory health insurance in Germany?
All legal residents in Germany are required to have health insurance. Individuals earning less than a certain amount per year are required to have statutory health insurance, while those earning more have the option to choose private health insurance.
Is private health insurance in Germany worth it?
It depends on your individual needs and circumstances. PHI typically offers more comprehensive coverage and benefits, but it is generally more expensive than SHI. It's important to compare different insurance options to find the one that best meets your needs.
What are the benefits of private health insurance in Germany?
PHI typically offers more comprehensive coverage, such as additional benefits, shorter waiting times and more flexible options.
How does the German healthcare system compare to other countries?
The German healthcare system is widely regarded as one of the best in the world, with a high level of quality and accessibility. However, the cost of healthcare has been rising in recent years. In comparison to other countries, the German system is known for its universal coverage, the freedom of choice of doctors and hospitals and the high level of satisfaction of its citizens with the quality of care.
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.