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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Private Health insurance in 3 steps
Your Journey to Effortless Private Health Insurance in Germany
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Request a private health insurance quote here or
by calling us at +49 162 6978 128. We will assess your personalized health insurance choices and subsequently provide you with a detailed quote for review.
Health Insurance Application
We'll manage all documentation, submit your application to the health insurance provider, possibly conclude any existing coverage, guaranteeing a seamless and error-free process.
Customer Support
Our service is complimentary, and we manage claim billing, premium refunds, and provide documentation support for employer or tax office inquiries. Be protected, hassle free!
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Frequently asked questions
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 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.
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Call us nowHow to buy private health insurance in Germany
Eligibility Criteria for private health insurance
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 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 claims and doctor appointments.