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Get your free Quote for Private Health Insurance in Germany

#1 for Expats

Choosing the right insurance plan can be overwhelming.
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#1 in Comparison
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English speaking professionals
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Only Visa approved companies by BaFin
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Benefits & Features:
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#1 in Comparison for Expats in Germany
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Trusted by thousands of satisfied members
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Access to the best insurance plans on the market
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Dedicated english speaking professionals to support you with any questions

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
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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.

Is healthcare free in Germany for expats?


No, healthcare in Germany is not free for expats. Germany has a comprehensive healthcare system that requires mandatory health insurance for residents, including expatriates. You will need to choose between statutory health insurance (Gesetzliche Krankenversicherung or GKV) and private health insurance (Private Krankenversicherung or PKV) and pay monthly premiums.

What are the health insurance options for expats in Germany?


Expats in Germany have two primary health insurance options: statutory health insurance (GKV) and private health insurance (PKV). GKV is available for most employees and certain groups, while PKV is an option for self-employed individuals, freelancers, and high-income earners.

How much does health insurance cost in Germany?


The cost of health insurance in Germany varies depending on several factors, including your income, age, and the type of insurance (GKV or PKV). GKV premiums are income-based and shared between employees and employers, while PKV premiums depend on your chosen coverage and individual risk factors. It's essential to compare plans and obtain personalized quotes to determine the cost that applies to your specific situation.

Can foreigners get healthcare in Germany?


Yes, foreigners, including expats, can access healthcare services in Germany. To do so, you must either have health insurance coverage (GKV or PKV) or purchase travel health insurance if you are a short-term visitor. Registering for health insurance is mandatory for long-term residents in Germany, and it ensures you have access to the country's high-quality healthcare system.

Can I choose my own doctor or medical provider with expat health insurance in Germany?


With most expat health insurance plans in Germany, you can choose your own doctor or medical provider. However, it's important to check the specifics of your plan to ensure that your preferred provider is covered.

What happens if I need emergency medical care while in Germany?


If you need emergency medical care while in Germany, you can usually go directly to the hospital or call an ambulance. Your expat health insurance plan will typically cover the cost of emergency care.

Can I get coverage for pre-existing medical conditions with expat health insurance in Germany?


Whether or not pre-existing medical conditions are covered by expat health insurance in Germany will depend on the specific plan you choose. It's important to read the terms and conditions of your plan carefully to understand what is and isn't covered.

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