Get the Best Medical Insurance in Germany - Secure Your Health Today!

Comprehensive Medical Insurance Coverage for Your Peace of Mind in Germany.
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We are here to help you find the right medical insurance that fits 100% your needs.
B-Protected® Health Insurance Germany
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Safe, Secure & Transparent
Why Choose Us:
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#1 in Comparison
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Only Visa approved companies
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Trusted by thousands of satisfied clients
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Access to the best health plans in the market
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Unique Health Insurance plans for Employed & Self-employed / Freelancer
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Dedicated english speaking customer support to assist you with any questions
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Finding The Best Health Insurance Rates And Coverage In Germany Is Easy And Risk-Free

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Benefits & Features:
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Compare insurance plans from top providers in Germany
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What Our Customers Say About Us:

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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

Your Health, Our Priority - Bprotected

Welcome to Bprotected, your trusted source for comprehensive health insurance coverage in Germany. We understand that choosing the right insurance plan can be a daunting task, which is why we're here to simplify the process for you. Our goal is to provide you with the best health insurance options and expert advice to make sure you have the right coverage for your needs. Whether you're a new resident in Germany or simply looking to change your insurance plan, we've got you covered. Browse our website to get a free quote, and take the first step towards peace of mind for you and your loved ones.

Thank you for considering Bprotected. We look forward to working with you to meet your healthcare needs and provide you with the best coverage and care available.

About Medical Insurance in 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 medical insurance. 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 medical 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.

Public and Private Health Insurance 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 €69,300 per year (2024), 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.

Medical Insurance is mandatory in Germany

Medical insurance for 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 medical 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.

Independent Advice from B-Protected

The free and independent advice from us at B-Protected can help you with choosing the best Medical Insurance Plan 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 today!

We offer Medical Insurance in Germany

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For Employees

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 €66,600 gross income per year, or €5,550 gross income per month during 2023. This threshold is recalculated annually.
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For Freelancer & Self-employed

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.
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For Visa & Residence Permit

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.

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 2024?
You can choose to switch to private health insurance if your gross income is above €69,300 per year, or €5,757 per month in the year 2024.