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B-Protected Health Insurance 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

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 €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 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.

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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.
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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 medical insurance in Germany?
Medical insurance in Germany is a mandatory system that ensures all residents have access to healthcare services.
What types of medical insurance are available in Germany?
There are two main types of medical insurance in Germany: statutory (public) and private.
What are the benefits of having medical insurance in Germany?
With medical insurance in Germany, you have access to a wide range of healthcare services, including doctor visits, hospital stays, prescription medications, and more. Additionally, medical insurance helps to protect you financially against the costs of unexpected medical expenses.
How do I sign up for medical insurance in Germany?
You can sign up for medical insurance in Germany through a statutory (public) or private insurance provider. You will need to provide proof of residence and income in order to enroll.
How much does medical insurance in Germany cost?
The cost of medical insurance in Germany varies depending on factors such as your income level, age, and whether you choose statutory (public) or private insurance. On average, statutory (public) insurance costs around 14% of your gross salary and private insurance costs vary.