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 Employees in Germany

Health insurance is compulsory for everyone in Germany. Special regulations govern who can take up public health insurance or private health insurance. Employees are automatically compulsory insured unless they meet the income threshold (JAEG) of €64,350 gross income per year, or €5,362.50 gross income per month during 2022. This threshold is recalculated annually.

Employees who earn equal to or less than the income threshold are classified as compulsory insured employees. This means that they do not have a choice and must be insured in the public health insurance. The employer will automatically register their employees, however each employee has the right to choose insurance provider. Once employees sign their employment contract, they must inform the employer of which public health insurance provider they wish to choose.

If employees meet the income threshold for at least one year, they become what is called voluntarily insured employees. This means that they can change to private health insurance freely, or remain insured in public health insurance.

Changing from Public to Private Health Insurance

Private health insurance is a popular choice among employees who meet the eligibility criteria. The main reasons are because public health insurance is based on income. High earners may reach the insurance assessment ceiling and pay the maximum amount in public health insurance. Healthy persons can therefor save a lot of money by being insured privately, because the premium is based on condition of health, among others.

If employees wish to change to private health insurance, it is important to get the private health insurance policy in place before cancelling. Health insurance can only be cancelled if proof of the new insurance can be provided.

How Employees Can Benefit From Choosing Private Health Insurance

Employees who are high earners, meaning they earn more than the annual income threshold, can not only benefit financially but also in terms of coverage by choosing a private insurance. Once employees meet the private health insurance criteria and become public voluntarily insured, they may choose to take out a private health insurance. This means the insurance contributions are no longer based on income, but rather health status and the coverage selected, month others. The main benefits would be:

  • Lower insurance contributions
  • Better coverage
  • Shorter waiting times
  • Faster appointments
  • Flexible coverage options
  • Premium refunds and bonuses
Looking for health insurance in Germany? Request your free Quote here!
free health insurance quote

Health Insurance for Employeed

If you are employed and meet the annual income threshold, we as independent insurance brokers can help guide you choosing the best private health insurance cover and save money. Get in touch with us today to discuss your coverage requirements.

Read more for Employeed
health insurance for employees