Find the Perfect Coverage for Your Life in Germany.
Unbiased guidance to help you navigate the choice between Public and Private systems based on your income, profession, and family goals.
Comprehensive Public Coverage (GKV)
The backbone of German healthcare. Solid, reliable coverage with contributions based on your income. Perfect for families.
Private Insurance Options (PKV)
Premium medical care with faster access to specialists and tailored rates. Ideal for high-earners, freelancers, and young professionals.
Specialist Guide for Students & Expats
Navigating specific requirements for visas and university enrollment with affordable, legal-compliant insurance plans.
Choose the ideal coverage for your situation
Compare benefits and costs in detail to select the insurance that best suits your personal circumstances.
Public Insurance
Affordable and comprehensive coverage, with benefits for families and employees, adapted to German regulations.
Monthly Costs
Medical Coverage
Contract Flexibility
Access to Specialists
Family Benefits
Private Insurance
A personalized plan that offers fast service and expanded options for self-employed individuals and high-income professionals.
Costos Mensuales
Medical Coverage
Contract Flexibility
Access to Specialists
Family Benefits
Student Insurance
An affordable solution designed for international students with basic coverage and expansion options.
Monthly Costs
Medical Coverage
Contract Flexibility
Access to Specialists
Family Benefits
General Comparison: Public Insurance (GKV) vs. Private Insurance (PKV)
| Feature | Public Insurance (GKV) | Private Insurance (PKV) |
| Calculation of the fee | % of your gross salary (approx. 14.6% + extra). | Based on your age, health and chosen coverage. |
| Family Burden | Free for children and spouse (if they have no income). | An individual fee is paid for each member. |
| Access to Specialists | Longer waiting times. | Priority and faster appointments. |
| Dental/eye Coverage | Basic (requires additional payments sometimes). | Generally superior and more complete. |
| Retirement | The fee goes down if your income goes down. | The fee may increase with age (although there are savings). |
Discover how to choose the ideal insurance in Germany.
Learn the differences between public and private insurance, and how to choose the best option based on your salary, status, and family needs.
Public insurance
Comprehensive and accessible coverage for employees and families.
Private insurance
Flexibility and personalized benefits for freelancers and professionals.
Student Insurance
Options adapted to international students and their specific requirements.
Frequently asked questions about insurance in Germany
Find clear and precise answers to resolve your doubts about choosing and managing health insurance in Germany.
What is the main difference between Public and Private?
Public (GKV) cost depends on your salary, while Private (PKV) depends on your age and health status. Public covers families for free; Private charges per person.
Who is legally required to have insurance in Germany?
Every resident. Employees earning below €77,400 (2026 limit) must stay in Public. Freelancers and high-earners can choose to opt-out to Private.
How does my income affect the choice?
If you earn above the JAEG limit, Private may be cheaper and offer better care. If you are below, Public is mandatory and automatically deducted from your payslip.
What coverage do student plans offer?
They meet all legal requirements for the ‘Sperrkonto’ and visa, covering essential primary care, emergencies, and hospital stays at a reduced rate.