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German Private Health Insurance
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.
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.