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.
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.
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 €66,600 per year (2023), 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 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.
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.
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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.