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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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Dortmunderin (85) gab entscheidenden Hinweis

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Dortmunderin (85) gab entscheidenden Hinweis

In Dortmund ist eine Betrugsmasche rund um die Pflege von Senioren aufgeflogen. (Symbolbild) © picture alliance / Jens Kalaene/dpa-Zentralbild/dpa

Lesezeit

Eine 85-jährige Dortmunderin aus Wickede hat durch ihre Aufmerksamkeit dazu beigetragen, dass ein umfangreicher Pflegebetrug aufgedeckt und ein finanzieller Schaden von über 500.000 Euro verhindert werden konnte. Das berichtet die Polizei Dortmund.

Die Seniorin habe das Ausbleiben der Zahlungen ihres Pflegegeldes bemerkt und daraufhin die Beamten informiert. Der Verdacht fiel auf ihren vermeintlichen Pflegehelfer, den ein 77-jähriger Bekannter vermittelt hatte, und sich schließlich als Teil eines umfassenden Betrugskonstrukts herausstellte.

Es sei gelungen, drei Tatverdächtige zu identifizieren. Infolgedessen wurden Durchsuchungen durchgeführt und Beweismittel sichergestellt.

In einem Gebäude auf einem landwirtschaftlichen Gelände in Dortmund ist ein Feuer ausgebrochen.
Junge Frau mit verpixeltem Gesicht sitzt auf Erdbeerfeld. Neben sich eine Schrift ins Bild geschnitten: „Illegal auf dem Erdbeerfeld“

Wie der Pflegebetrug ablief

Die Ermittlungen zeigten, dass einer der Verdächtigen das Vertrauen des 77-jährigen Bekannten der Seniorin über Jahre missbraucht und ihm mehr als 25.000 Euro entwendet haben soll. Darüber hinaus habe der Verdächtige versucht, mittels Vollmachten und eines Testaments Zugriff auf dessen Vermögen zu erlangen.

Gegen alle Verdächtigen, zwei Männer im Alter von 26 und 34 Jahren sowie eine 42-jährige Frau, seien Strafverfahren wegen Betrugs zum Nachteil älterer Menschen eingeleitet worden. Allerdings lagen keine besonderen Voraussetzungen für eine Untersuchungshaft vor.

Eine Außenaufnahme eines Polizeireviers an einem sonnigen Tag. Im Vordergrund ist der Eingang des Gebäudes zu sehen, während im Hintergrund ein Streifenwagen geparkt ist.

Tipps für Angehörige

Um pflegebedürftige Menschen vor ähnlichen Betrugsfällen zu schützen, gibt die Polizei mehrere Präventionstipps. Es wird geraten, keine Unbekannten in die Wohnung zu lassen und stets einen Dienstausweis zu verlangen, wenn sich Personen als Amtspersonen oder Beschäftigte von Pflegediensten ausgeben. Sollte Zweifel an der Identität bestehen, sei es ratsam, die betreffende Stelle direkt zu kontaktieren. Telefonische Anfragen sollten kritisch geprüft werden, ohne private oder finanzielle Informationen preiszugeben, und bei Unsicherheit solle einfach aufgelegt werden.

Von der Übergabe von Geld oder Wertgegenständen an Unbekannte wird ausdrücklich abgeraten. Auch sei es wichtig, auf das eigene Bauchgefühl zu vertrauen. Im Verdachtsfall solle die Polizei unter der Notrufnummer 110 informiert werden.

Darüber hinaus bietet die Polizei spezielle Präventionsveranstaltungen und Beratungen für Senioren und deren Angehörige an, um über gängige Betrugsmaschen aufzuklären und Schutzmaßnahmen zu vermitteln. Interessierte können sich auf der Homepage der Polizei weiter informieren.

Diese Maßnahmen sollen dazu beitragen, dass pflegebedürftige Menschen und ihre Angehörigen besser vor betrügerischen Machenschaften geschützt werden und die Täter keinen Erfolg mit ihren kriminellen Handlungen haben.

Hinweis der Redaktion: Dieser Artikel erschien ursprünglich am 28. Juli 2025.

Der Angeklagte sitzt mit seinem Verteidiger Markus Blumenstein im Gerichtsaal.

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Tragic Capsizing of Overloaded Ferry Claims Lives in DR Congo

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Trump Advocates for Death Penalty Reinforcement Amid Biden's Policy Changes

Sun 22nd Dec, 2024

A devastating incident occurred in the Democratic Republic of the Congo when an overloaded ferry capsized on a river, leading to a significant loss of life. Reports indicate that the vessel was carrying many more passengers and cargo than it was designed to accommodate, raising serious concerns about maritime safety standards in the region.

Emergency services and local authorities were quick to respond to the scene, but the rescue operations faced severe challenges due to the conditions of the river and the high number of people involved. Eyewitness accounts suggest that panic ensued as the ferry began to tilt and eventually overturned, throwing passengers into the water.

Survivors described harrowing scenes of chaos, with many struggling to stay afloat amidst the turbulent waters. The local community has rallied together to assist in rescue efforts, providing support to those affected and helping search for those still missing.

This tragic event highlights ongoing issues related to safety regulations in the region’s transportation sector. Overcrowding on ferries is not uncommon in the Congo, where many rely on these vessels for travel across rivers, which are vital for connecting remote communities. However, this incident raises urgent questions about the enforcement of safety protocols and the need for stricter regulations to prevent similar occurrences in the future.

Authorities have begun an investigation into the circumstances surrounding the capsizing. Initial reports suggest that the ferry’s operators may have disregarded safety guidelines, leading to the tragic overloading of the vessel. As the investigation unfolds, officials are expected to review existing regulations and operational practices within the ferry transport sector.

In the wake of the accident, various organizations and governmental bodies are calling for enhanced safety measures to protect passengers. There is a growing acknowledgment that without significant reforms, such tragedies could continue to occur, jeopardizing the lives of countless individuals who depend on river transport.

The humanitarian response is underway, with local groups providing assistance to families affected by the loss of loved ones. Mental health support and counseling services are also being offered to help individuals cope with the trauma of this disaster.

As the community mourns the victims of this incident, there is a collective hope that this tragedy will serve as a catalyst for change. Advocates for transport safety are urging policymakers to take immediate action to improve safety standards in the ferry sector, ensuring that such a loss of life is not repeated.

This incident serves as a stark reminder of the vulnerabilities faced by those who utilize river transport in the Democratic Republic of the Congo and underscores the urgent need for systemic changes to safeguard the lives of passengers.

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German Chancellor Merz welcomes EU trade deal with US

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German Chancellor Merz welcomes EU trade deal with US

German Chancellor Friedrich Merz on Sunday welcomed the trade deal between the United States and the European Union, which he said avoided ‘needless escalation in transatlantic trade relations’ — even as many industries criticised it.

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