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German Private Health Insurance

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German Private Health Insurance
As part of our comprehensive service for the international community, The Eye Newspapers (owners of The Germany Eye and The Munich Eye) have secured exclusive deals for expatriates seeking German private health insurance. Whether it’s health insurance, personal liability insurance, or other types of coverage, we are proud to collaborate with responsive insurers who specialize in the unique needs of expatriates. This partnership ensures excellent coverage, English-speaking customer support, and expert guidance to help you find the best private health insurance in Germany for you and your family.

It is a legal requirement in Germany to have health insurance. Whether you choose private health insurance (PKV) or public health insurance (GKV), all residents must secure coverage through an accredited German insurer.

The Eye Newspapers work closely with leading insurers to streamline the application and service processes, making them as simple and customer-friendly as possible. We always welcome feedback to improve our services.

In Germany, there are two main types of health insurance: provided by over 100 insurance companies (called Krankenkasse). Health insurance is mandatory, and you must choose between these two options (although in some cases, a combination of both is possible).

The first option is available to everyone and is called:
Public Health Insurance (Gesetzliche Krankenversicherung, GKV).

The second option, available depending on your salary, is called:
Private Health Insurance (Private Krankenversicherung, PKV).

So, what sets them apart?

The primary difference is that Private Health Insurance (PKV) is available only if you earn more than €73,800 annually (as of 2025). If your income is below this threshold, you must opt for Public Health Insurance (GKV). The second major distinction is the higher quality of service typically offered by PKV. For instance, PKV offers:

  • Access to a wider range of medications
  • More private hospital room options in case of hospitalization
  • Some doctors prefer to treat only PKV-insured patients
  • Often, PKV costs are comparable to GKV for healthy individuals

However, there are also some drawbacks to Private Health Insurance:

  • It can become more expensive with age or health decline
  • Claiming reimbursements often requires filling out forms in German (though we work with insurers that offer English-language services)
  • Dependents are generally not covered under PKV
  • Some doctors may prescribe unnecessary medication since they know PKV will cover the costs

Public Health Insurance (GKV) is typically more suitable if you are married (especially if your partner does not earn an income) or have children, as they will be covered under your policy. The cost of GKV is usually 14.6% of your annual gross salary, with the cost split between you and your employer. If you choose PKV, your employer will still contribute half of the cost.

Note that not all hospitals and doctors are covered under the GKV system, so it’s essential to verify coverage before receiving treatment. Both PKV and GKV provide coverage for overseas treatment, but it’s crucial to check whether your destination country is included. Generally, PKV offers a more extensive list of countries for international medical coverage.

To the right of this page, you’ll find helpful links to articles that dive deeper into the nuances of German health insurance, covering both public and private options. Once you’ve reviewed the information, ask yourself the following questions to determine the best plan for your needs:

  • Do I have dependents or a non-working partner?
  • Am I comfortable with sharing a hospital ward, or would I prefer the privacy offered by PKV?
  • Do I need English-language services for medical consultations?
  • Am I planning to start a family soon or bring a partner to Germany?
  • Do I earn over the annual salary threshold for Private Health Insurance eligibility?

Reflecting on these questions will help you decide whether PKV or GKV is the right choice for you.

Now that you’re better informed about German private health insurance, fill out the form below for more information or to have an agent contact you. As part of The Eye Newspapers, we are dedicated to assisting you every step of the way, ensuring you receive the best possible service in English. You’ll be surprised by how simple and straightforward our partners make the process for expatriates like you.

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Which European countries currently have Schengen border checks in place?

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Which European countries currently have Schengen border checks in place?

The borderless Schengen travel area recently celebrated its 40th anniversary but many countries currently have border checks reinstated. Here’s what travellers should expect.

The borderless Schengen area guarantees free movement to tens of millions of EU citizens, residents and visitors.

It recently celebrated its 40th anniversary, and after originally starting with just five countries signing a convention pledging to “gradually abolish” internal borders checks and allow people to travel around freely, today the Schengen area includes 25 of the 27 EU member states and the four countries of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland).

According to the EU Council website, the Schengen area covers over 4.5 million square kilometres with a total population of almost 450 million people. Every day around 3.5 million people cross the Schengen internal borders for work, study or visits, and almost 1.7 million people reside in one Schengen country while working in another.

Under the Schengen Borders Code, which sets the rules governing the Schengen area, internal border checks can be temporarily restored where there is a “serious threat to public policy or internal security”, from the organisation of a major sport event to a terrorist attack.

These checks should be a “last resort” measure, should be limited to the period “strictly necessary” to respond to the threat and not last more than 6 months. In exceptional circumstances, internal border controls can be reintroduced for a maximum of two years.

Several members of the bloc have reintroduced temporary border controls in recent years. The full list of countries that currently have controls in place is available here.

READ ALSO: Schengen hits 40 – What problems lie ahead for Europe’s border-free zone?

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According to European Commission information, the following European countries have reintroduced temporary border checks for the following dates:

  • Spain – 27/06/2025 – 05/07/2025 – IV United National International Conference on Financing for Development in Sevilla (30 June – 3 July 2025); land borders with France and Portugal, internal air borders of Alicante, Almería, Barcelona, Bilbao, Girona, Granada, Madrid, Málaga, Murcia, Sevilla and Valencia; internal maritime borders of Barcelona, Málaga and Palma de Mallorca.

 

  • Italy – 19/06/2025 – 18/12/2025 – Continued threat of terrorist infiltrations into migratory flows along the Western Balkan route, ongoing crises in the Middle East and Ukraine, high level of irregular migration including a strong presence of criminal smuggling and trafficking networks, and heightened security risks associated with the Universal Jubilee of the Catholic Church; land borders with Slovenia.
  • Italy – 19/12/2024 – 18/06/2025 – Continued threat of terrorist infiltrations into migratory flows along the Mediterranean route and the Balkan route, ongoing crises in Eastern Europe and the Middle East, increasing migratory pressures and the risk of terrorist infiltration, risk of violent actions against Israeli citizens and terrorist activity, and heightened security risks associated with the Universal Jubilee of the Catholic Church; land borders with Slovenia.

 

  • Austria – 12/05/2025 – 11/11/2025 – Threats associated with the continued high levels of irregular migration and migrant smuggling across Austria’s southern borders, as well as the strain on the asylum reception system and basic services, Russia’s ongoing war of aggression against Ukraine and the security situation in the Middle East, intensifying the threat posed by Islamist extremism and terrorism; land borders with Hungary and Slovenia.
  • Austria – 16/04/2025 – 15/10/2025 – Threats associated with irregular migration, such as via the Balkan routes (including expected migratory pressure), as well as the strain on the asylum reception system and basic services, Russia’s ongoing war of aggression against Ukraine, and the security situation in the Middle East aggravated by terrorist groups; land borders with Slovakia and Czechia.

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  • Denmark – 12/05/2025 – 11/11/2025 – Serious threats to public policy and internal security posed by possible sabotage actions from Russia, as well as continuous terrorism-related events and organised crime, notably, tied to the Israeli-Hamas conflict and driven by radicalisation from groups such as Islamic State and Al-Qaida. These threats include potential attacks on Jewish and Israeli targets; land and sea borders with Germany but may extend to all internal borders.

 

  • Norway – 12/05/2025 – 11/11/2025 – General threat aimed at the energy sector, threats of sabotage posed by the Russian intelligence service, as well as to increase infrastructure protection; ports with ferry connections to the Schengen area

 

  • Sweden – 12/05/2025 – 11/11/2025 – Serious threats to public policy and internal security arise from organised cross-border crime and terrorism, highlighted by attacks involving military-grade explosives against foreign institutions and the public, including the involvement of foreign state actors leveraging criminal gangs, coupled with persistent threats from violent Islamist groups and individuals; all internal borders (land, air, and sea) and land borders with Denmark.

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  • France – 01/05/2025 – 31/10/2025 – Serious threats to public policy, public order, and internal security posed by persistent jihadist threats, a rise in antisemitic attacks, the growing criminal networks facilitating irregular migration and smuggling, and irregular migration flows towards the Franco-British border that risk infiltration by radicalised individuals, as well as the irregular crossings on the Channel and North Sea borders, along with rising violence among migrants, particularly in northern coastal areas such as Dunkirk and Calais, leading to tense and perilous situations for both migrants and law enforcement; all internal borders (land, air, and sea) with Belgium, Germany, Luxembourg, the Swiss Confederation, Spain, and Italy.

 

  • Germany – 16/03/2025 – 15/09/2025 – Serious threats to public security and order posed by continued high levels of irregular migration and migrant smuggling, and the strain on the asylum reception system. The impact of the global security situation (including Russia’s war of aggression against Ukraine and the situation in the Middle East) on security and migration; land borders with France, Luxembourg, Belgium, the Netherlands, Denmark, Austria, Switzerland, Czechia, and Poland.

READ ALSO: How long can Germany keep its border checks in place?

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  • Slovenia – 22/06/2025 – 21/12/2025 – Serious threats to public policy and internal security posed by a high level of terrorist threats and organised crime, including human smuggling and arms trafficking, the risk of terrorist infiltrations into migratory flows via the Western Balkans, hybrid threats from the Russian Federation and Belarus, as well as instability in the EU’s neighbourhood, including Russia’s ongoing aggression against Ukraine and instability following the fall of Assad’s regime in Syria; land borders with Croatia and Hungary.

 

  • The Netherlands – 09/06/2025 – 08/12/2025 – Serious threat to public policy caused by high levels of asylum applications, irregular migration, migrant smuggling, and secondary movements, leading to an overburdening of the migration system in general and the asylum system in particular, as well as pressure on public services, including housing, health care and education; land and air borders with Belgium and Germany.

 

  • Bulgaria – 01/01/2025 – 30/06/2025 – Security risks related to illegal migration, including smuggling activities, as well as migratory pressure caused by ongoing crises in the Middle East and Africa, particularly in Syria, Afghanistan, and Gaza/Lebanon; land borders with Romania.

 

  • Slovenia – 22/12/2024 – 21/06/2025 – Serious threats to public policy and internal security posed by continuous terrorism-related events and organised crime, including smuggling and arms trafficking, the risk of terrorist infiltrations into migratory flows via the Western Balkans, and radicalised Islamists potentially entering European cities during the holiday season, as well as hybrid threats from the Russian Federation, Russia’s ongoing aggression in Ukraine, Russian nationals attempting to illegally enter Slovenia; land borders with Croatia and Hungary.

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Wie sich das Kräfteverhältnis in Nahost verändert

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Wie sich das Kräfteverhältnis in Nahost verändert

Israel warnt seit Jahren vor dem Atomprogramm des Irans und sieht sich dadurch in seiner Existenz bedroht. Doch auch die aktuelle militärische Eskalation birgt große Gefahren für die ganze Region – denn es drohen Vergeltungsschläge. Daher bemühen sich derzeit zahlreiche Staaten, darunter auch Deutschland, und Organisationen um Deeskalation.

Die weitere Schwächung des Mullah-Regimes könnte zu einem neuen Kräfteverhältnis im Nahen und Mittleren Osten führen – wenn der Iran erstmals seit fast fünfzig Jahren deutlich zurückgedrängt wird und sich neue Machtzentren entwickeln. Zur Erinnerung: Der Iran hat zu Zeiten der islamischen Revolution 1979 auf eine Verbreitung der eigenen Ideologie gesetzt. Über Proxys (Stellvertreter) wie schiitisch-islamische Milizen sollten Glaubensbrüder in den Ländern der arabischen Halbinsel dazu gebracht werden, die Revolution der Mullahs weiterzutragen.

Teheran hatte die Vernichtung Israels zur „heiligen Pflicht“ erklärt

Damals erklärte Teheran auch die Lösung der Palästinenserfrage – durch die Vernichtung Israels – zur heiligen Pflicht. Dabei ging es den schiitischen Machthabern insbesondere auch darum, den sunnitischen arabischen Herrscherhäusern, insbesondere Saudi-Arabien, die Rolle der Wächter der heiligen islamischen Stätten streitig zu machen. Es geht also um Mekka und Medina, aber auch um Jerusalem.

Die Hamas setzte auf die Unterstützung der Proxys des Irans, als die radikal-islamische Gruppe am 7. Oktober 2023 den Terrorangriff auf Israel verübte – und bekam Waffenhilfe von der libanesischen Hisbollah und den Huthi-Milizen im Jemen. Israel schlug massiv zurück: Hisbollah-Chef Hassan Nasrallah ist inzwischen tot. In Syrien kam es, auch wegen der Schwächung der Hisbollah, zum Sturz des mit Teheran verbündeten Assad-Regimes.

Schwierig ist die Lage derweil für den jordanischen König, der sich im Spagat üben muss. Weil er einerseits hilft, Israel bei iranischen Drohnenangriffen mit Abwehrraketen zu schützen, andererseits dadurch immer mehr Rückhalt in der eigenen Bevölkerung verliert. Auch Ägypten leidet: Ohnehin schon wirtschaftlich stark gebeutelt, fließt gerade wegen der Huthi-Angriffe auf Schiffe im Roten Meer deutlich weniger Geld aus einer der Haupteinkommensquellen, dem Suez-Kanal, in die Staatskasse.

Profitieren könnte Saudi-Arabien

Saudi-Arabien hat die aktuellen Angriffe Israels auf den Iran als Verletzung der Souveränität und der Sicherheit des Iran und als Bruch von internationalem Recht verurteilt. Dennoch könnte das ölreiche Land am Ende gestärkt aus der eskalierenden Lage hervorgehen. Dass Riad als politischer Akteur wichtiger geworden ist, war bereits durch den Besuch von US-Präsident Donald Trump in dem Königreich deutlich geworden.

„Es gibt eine neue Ordnung in der arabischen Welt. Und Saudi-Arabien ist das neue Gravitationszentrum“, sagte Philipp Dienstbier, Leiter des Regionalprogramms Golf-Staaten der Konrad-Adenauer-Stiftung, unserer Redaktion. „Auch Katar und die Vereinigten Arabischen Emirate sind deutlich wichtiger geworden.“

Mit Blick auf deutsche Vermittlungsbemühungen im Nahen und Mittleren Osten betonte er: „Deutschland sollte den Golfstaaten – anders als die ehemalige Bundesregierung – nicht mit erhobenem Zeigefinger, sondern pragmatisch und an unseren Interessen ausgerichtet gegenübertreten.“

Die Saudis fordern eine „glaubwürdige Perspektive“ für einen Palästinenser-Staat

Saudi-Arabien ist an einer Deeskalation in der Region interessiert und lehnt eine weitere direkte Konfrontation zwischen Israel und dem Iran daher ab. „Das Land will seine Wirtschaft transformieren und vom Erdöl wegkommen. Darauf liegt der Fokus“, erläuterte Philipp Dienstbier.

So arbeite Riad seit 2022 daran, alte Konflikte beizulegen: „Damals wurde der Waffenstillstand mit den Huthis vereinbart. Später gab es die von China vermittelte Annäherung an den Erzfeind Iran. Die Saudis setzen auf starke Staaten in der Region, die für Stabilität sorgen.“

Zu einer Neuordnung im Nahen und Mittleren Osten gehört auch eine Zukunftsperspektive für die Palästinenser, angefangen mit einem Waffenstillstand im Gazakrieg. „Für Saudi-Arabien ist für eine Normalisierung zwischen dem Königreich und Israel die Lösung der Palästinenserfrage der notwendige erste Schritt“, sagte Philipp Dienstbier. „Dazu gehört, wie es Riad formuliert, eine glaubwürdige und unumkehrbare Perspektive für einen palästinensischen Staat.“

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Dating in Schweden: Hier machen oft Frauen den ersten Schritt

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Dating in Schweden: Hier machen oft Frauen den ersten Schritt

Sind Schweden wirklich kühl? Die Beziehungs-Expertin Emilie Ebbis Roslund über Flirtmethoden, feministische Männer und die schwedische Definition eines Dates.

In Israel suchen Singles jemanden, mit dem sie in den Bunker können, in Indien hilft die Kupplerin beim Dating. Wie sich Menschen kennenlernen, unterscheidet sich von Land zu Land. Der stern geht in der Serie “Das Lieben der Anderen” der Frage nach, auf welche Art Menschen in aller Welt ihr Herz vergeben. Und wie sich das zwischen Traditionen und Moderne verändert. In dieser ersten Folge führt der Dating-Atlas nach Schweden. 

Frau Roslund, wenn man in Schweden in eine Bar geht und jemanden kennenlernen will – wie stellt man das an? 

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