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German Private Health Insurance

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3 months ago

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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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Konflikte: Bericht: Neun Soldaten bei Kämpfen in Kolumbien getötet

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18 hours ago

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Hinter dem Angriff dürfte eine Splittergruppe der Farc-Rebellen stecken. (Archivbild) Foto: Juan B Diaz/AP

Konflikte
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Trotz des Friedensvertrags mit der größten Guerillaorganisation kontrollieren Splittergruppen noch immer Teile Kolumbiens. In den vergangenen Wochen griffen sie gezielt Soldaten und Polizisten an.

Bei Gefechten zwischen mutmaßlichen Rebellen sind Medienberichten zufolge im Südosten von Kolumbien mindestens neun Soldaten ums Leben gekommen. Rund zehn weitere Militärs seien nach den Kämpfen im Department Guaviare von den Guerilleros verschleppt worden, berichtete der Fernsehsender RCN unter Berufung auf die Streitkräfte.

In der Region sind verschiedene Splittergruppen der ehemaligen Guerillaorganisation Farc aktiv, die den Friedensvertrag 2016 nicht mittrugen und im Untergrund blieben. Sie sind häufig in Drogenhandel, illegalen Bergbau und Schutzgelderpressung verwickelt. 

“Ich trage die Verantwortung für das Leben jedes jungen Menschen in den Sicherheitskräften, und ich möchte, dass sie alle gesund und munter zu ihren Familien zurückkehren. In Kolumbien sollte niemand durch die Hand eines anderen sterben”, schrieb Präsident Gustavo Petro, der als junger Mann selbst einer Rebellenorganisation angehörte, auf der Nachrichtenplattform X. “Ich setze mich dafür ein, dass keine kolumbianische Mutter jemals wieder ein totes Kind entgegennehmen muss. Dieser Schmerz, der ein nationaler Schmerz ist, muss aufhören.”

In zwei Wochen 18 tote Soldaten und Polizisten in Kolumbien

In den vergangenen zwei Wochen wurden laut einem Bericht des Rundfunksenders Caracol bei verschiedenen Angriffen in dem südamerikanischen Land insgesamt 18 Soldaten und Polizisten getötet. “Wir verurteilen aufs Schärfste die gezielte Ermordung unserer Polizei- und Militärangehörigen, die sogar angegriffen werden, wenn sie außer Dienst und wehrlos sind”, schrieb Verteidigungsminister Pedro Sánchez auf der Nachrichtenplattform X.

Kolumbien litt 52 Jahre lang unter einem Bürgerkrieg zwischen linken Rebellen, rechten Paramilitärs und dem Militär. 220.000 Menschen kamen ums Leben, Millionen wurden vertrieben. Zwar hat sich die Sicherheitslage nach dem 2016 zwischen der Regierung und der damals größten Rebellengruppe Farc geschlossenen Friedensabkommen verbessert, allerdings werden noch immer Teile des südamerikanischen Landes von illegalen Gruppen kontrolliert.

dpa

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Fairness Agreement Reached Among Six Parties Ahead of 2025 Bundestag Elections

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In anticipation of a potentially contentious election campaign for the Bundestag in 2025, six political parties in Germany have established a Fairness Agreement aimed at promoting respectful discourse and minimizing personal attacks during the campaign period. The parties involved in this agreement include the SPD, CDU, CSU, Greens, FDP, and the Left Party, while the AfD and BSW have opted not to participate.

The agreement comes in response to escalating tensions highlighted by recent heated exchanges regarding Chancellor Olaf Scholz’s leadership. Concerns arose over the potential for fierce confrontations during the upcoming campaign, particularly following statements made by Scholz and his CDU challenger, Friedrich Merz, which included derogatory remarks and accusations.

Under the terms of the Fairness Agreement, signatory parties have committed to avoiding personal insults and derogatory comments directed at one another, focusing instead on constructive debate. The agreement explicitly prohibits the dissemination of misinformation, affirming that parties will refrain from utilizing false information for campaign purposes, regardless of its origin.

Furthermore, the parties have vowed to maintain a peaceful atmosphere during the campaign, promising not to resort to violence against campaigners or damage competitors’ campaign materials. The protection of political posters and campaign sites is emphasized, with a clear directive against the destruction or alteration of such materials.

As part of their commitment to a fair election process, the parties have also agreed to ensure that their digital campaigning adheres to ethical standards. This includes a ban on the use of deepfake technology to misrepresent opponents’ statements and a requirement for clear identification of any content generated using artificial intelligence.

The Fairness Agreement seeks to foster an environment of accountability and transparency as parties gear up for the upcoming election. By eliminating the potential for misleading narratives and encouraging respectful competition, the signatories aim to uphold democratic principles throughout the electoral process.

As the political landscape evolves, the adherence to such agreements will play a critical role in shaping the tone and integrity of the election campaign leading up to the Bundestag elections.

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