Health Insurance in Germany

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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 Germany

Germany is generally praised for having one of the best healthcare systems in the world. Ever since the healthcare reforms in 2009, all German citizens, as well as expats working and living in Germany, are required by law to have a health insurance in Germany. People who are visiting Germany short-term (less than 181 days) will suffice with a travel insurance only. If you’re staying in the country without a valid health insurance for Germany, you may be subject to penalties and will be asked to make back payments that will cover the entire stay in Germany.

The health insurance system in Germany is split between public health insurance and private health insurance. The type of health insurance you are eligible for depends on your personal situation and income. If you are employed and earn above the ‘compulsory insurance limit’ of €64,350 per year (2022), you can enrol in the private health insurance scheme. If you earn below the threshold, you do not qualify for private healthcare and you are automatically enrolled in the public health insurance system. Freelancers and self-employed have the option to take a public or private health insurance, regardless or their income.

Health insurance in Germany
, wether public or private, is being paid in monthly contributions. If you are employed, the monthly contributions of your health insurance are split equally between yourself and your employer. Self-employed have to cover the full contributions themselves. The cost of public health insurance in Germany is depending on your income and the public health insurance fund you choose to be insured with. Usually the percentage ranges between 14.6% and 16.3%. So, the actual cost of your health insurance will increase as your income does. The cost of private health insurance in Germany depends on your age and health condition when you sign up, as well as the coverage you want. Therefore, if you are young, healthy and a high-earner a private health insurance may be cheaper while getting more coverage.

To conclude: health insurance for Germany is a complex and highly individualised subject, as it really depends on your personal circumstances and the coverage you want. Whichever form of insurance you choose, rest can be assured that health insurance in Germany is one of the best in the world, and that you will have a high coverage either way. 

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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 2022?
The current annual insurance limit for 2022 is €64,350 gross income per year, or €5,362.50 gross income per month.