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Private Health Insurance in Germany - Explanation of who is eligible & benefits

Are you looking for the most comprehensive coverage and shortest wait times for medical treatments in Germany? Look no further than private health insurance. Available to individuals who earn above a certain income threshold, private health insurance offers the ultimate peace of mind and protection.

With private health insurance, you'll have access to a wider range of medical treatments and services, including treatments not covered by statutory health insurance. Imagine being able to have the best medical care without the worry of exorbitant medical bills.

Don't miss out on this opportunity to secure your health with private health insurance. With the added flexibility of switching to statutory health insurance if your income falls below a certain threshold, there's no risk in choosing private health insurance. Act now and experience the ultimate protection for you and your loved ones.

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

Private Health Insurance for Germany

The health insurance system in Germany is split between public health insurance and private health insurance. Most people, around 90 percent of the German population, are covered by the public health insurance system. In order to be covered by a private health insurance in Germany, there are some standards one needs to follow. For example, employees need to earn above the ‘compulsory insurance limit’ of €66,600 per year (2023). Freelancers and self-employed have the option to take a public or private health insurance, regardless or their income. Therefore, a private healthcare in Germany is mostly popular among self-employed and high earners. 

There are a few advantages of having a private health insurance in Germany. For example, you will typically receive better care, there are less waiting times, many treatments are covered, and you usually only pay for what you require, because a lot of private health insurances offer reimbursement on services that are not needed. The downsides of having a private health insurance in Germany can be that medical bills must be paid in advance and that family members are not automatically insured into the same health insurance policy. The cost of a private health insurance in Germany depends on your age and health condition when you sign up. In such circumstances, many insurance companies offer a basic rate with a higher personal contribution.

To conclude: private health insurance for Germany makes the most sense if you are self-employed or earn a high income, and are relatively young and healthy at the moment of entering the private health insurance system. Private healthcare for Germany can then be a good option to save money while getting a better service.

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How to buy private health insurance in Germany

Eligibility Criteria for private health insurance Germany

The eligiblity criteria for getting private health insurance depends mainly on your occupation. Employees are eligible for private health insurance if they meet the annual gross income limit (JAEG).

Civil servants can be insured privately without any prerequisites and level of income. In the majority of cases the employer covers half or more of the insurance cost similar to employees.

Self-employed, freelancers and students can freely choose to be insured privately. Addidiotnally, public health insurance providers are not obligated to cover third-country nationals so in many cases self-employed persons need to take out a private health insurance.

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Documents Required to buy private health insurance for Germany

Employed persons who will be insured through the public health insurance will be registered and insured by their employer. However, employees can choose any public health insurance providers they prefer, this needs to be communicated to their employer and no further requirements are needed.

Since private health insurance costs are calculated on your health status, among others, it is necessary to provide a doctor evaluation form. The appointment can be set up by us, and once completed the only thing we require is a copy of your passport.

The process of buying German private health insurance

First request a quote from us, we will then assess your basic information such as income and age. After this, your needs are discussed to ensure your coverage is according to your personal situation.

You will receive a free quote from us and we will help you understand the ins and out of the health insurance coverage, costs and benefits.

As soon as you accept our offer, you complete the signup process and get your health insurance card.

We offer after sales support such as claiming and doctor appoints among others. Be protected, hassle free!

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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 in Germany?
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 Germany?
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 for Germany 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 2023?
You can choose to switch to private health insurance if your gross income is above €66,600 per year, or €5,550 per month in the year 2023.