Germany's health insurance system, known as Krankenversicherung, mandates coverage for all residents. There are two primary types of health insurance: statutory health insurance (Gesetzliche Krankenversicherung - GKV) and private health insurance (Private Krankenversicherung - PKV). Your employment status and income determine which type of insurance you can opt for.

Coverage for Foreign Health Insurance in Germany

   > EU Citizens:

   If you hold a European Health Insurance Card (EHIC), you are covered for temporary stays in Germany. However, once you register as a resident, you must obtain German health insurance.

   > Non-EU Citizens:

   German health insurance is typically required for obtaining a residence permit. Therefore, you need to secure German health insurance upon arrival. Exceptions exist for students, detailed below.

Statutory Health Insurance (GKV)

Statutory health insurance covers the majority of Germany’s population. Employees earning less than €69,300 annually (as of 2024) are automatically enrolled in this scheme. Contributions cover doctor visits, hospital stays, basic dental care, and prescriptions. Additional benefits include statutory accident insurance, long-term care insurance, sickness benefit, child sickness benefit, and maternity benefit.

Public Health Insurance Providers

   1. BARMER:

       Offers registration and onboarding in English via Feather.

   2. TK (Techniker Krankenkasse):

       Provides English registration and onboarding with Feather.

   3. SBK (Siemens-Betriebskrankenkasse):

       Offers end-to-end English consulting.

Private Health Insurance (PKV)

Freelancers, business owners, self-employed workers, and high-wage earners (those earning over €69,300 annually) can opt for private health insurance. Approximately 10% of the population has PKV, which typically offers more comprehensive coverage, including alternative treatments and private hospitals. Contributions are risk-related and may increase over time. Switching back to statutory insurance is challenging unless there is a significant change in personal circumstances.

Private Health Insurance Providers for Expats

   1. KLforExpats:

       Independent brokerage for expat professionals.

   2. Versicherungsbüro Weiss:

       English-speaking health insurance broker.

   3. Feather:

       Offers private insurance for high-wage earners or self-employed individuals, provided by Hallesche.

   4. Expat Brokers:

       English-speaking broker for visas, freelancers, and employed persons.

   5. Ottonova:

       Full English support and special design for expats, plus Amazon voucher incentives.

   6. ERICON Broker:

       Independent broker offering statutory and private plans.

   7. Feather Temporary Insurance:

       Ideal for incoming expats, provided by Advigon.

Comparing Private Health Insurance

With about 40 private health insurers in Germany, tools like Quickity can help compare prices and coverage, allowing you to personalize your quote based on your budget and needs.

International Health Insurance Providers

These companies offer coverage in Germany:

1. Cigna

2. ERICON Broker: Access to both German and international health insurances.

3. GeoBlue: Tailored for US citizens.

4. IMG Global Medical Insurance

Health Insurance for Students

Students must demonstrate health insurance coverage before enrolling in German universities. Depending on your origin, your foreign insurance might be recognized. If not, you will need to obtain a German policy. Check our Student Health Insurance page for detailed information.

Student Health Insurance Providers

1. BARMER: English registration and onboarding via Feather.

2. TK (Techniker Krankenkasse): Customer service in English provided by Feather.

3. Ottonova

4. EDUCARE24: Private student health insurance.

Penalties for Not Having Health Insurance

It is illegal to reside in Germany without health insurance. If discovered without coverage, you may be required to make back payments for the entire duration of your stay.

By understanding and adhering to Germany's health insurance requirements, you ensure not only legal compliance but also access to vital healthcare services, providing peace of mind during your stay in Germany.