Private Health Insurance Germany for Expats
Private health insurance Germany: your English speaking advocate. Our 10 years of experience will help you find the best insurance plans and prices.
Independent advice on the private Krankenversicherung (PKV). Compare the plans that best suit your needs in just a few minutes.
FREE, INDEPENDENT, 0 € EXTRA FEES
Find the right PKV for you
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I am marriedYour spouse can be insured with you
I have childrenChildren get their own low rate
I was born inYour age sets the entry premium
LKHLKH
Google Reviews4.9WHY EXPATS LOVE US
Independent, Tailored, Zero Extra Costs
| Feature | Us | Insurance Provider |
|---|---|---|
Zero Extra Costs You pay exactly the same as going to the provider directly—just with added service. | ✔ | ✔ |
Independent Advice We compare multiple providers to find the best option for your unique situation. | ✔ | ✕ |
Personal English Support We guide you every step of the way—in English, German, or both—so you always have someone to turn to. | ✔ | ✕ |
Focus on Expats We understand typical challenges like visas, registration, and language barriers. | ✔ | ✕ |
Zero Bureaucracy, 100% Digital We handle the admin work so you can get coverage or support without delay. | ✔ | ✕ |
Check your benefits with private health
Public Health Insurances
602,24 EUR
Contribution
Private Health Insurances
368,63 EUR
Contribution
Check your benefits with private health
Compare public vs. private health insurance and see how much you could save
How old are you?
602,24 EUR
Contribution
-
Health Insurance (KV)8.5% of income€ 469,94
-
Care Insurance (PV)2.4% of income€ 132,30
-
Monthly ContributionTotal monthly payment€ 602,24
Why private health insurance?
Cost-Effective Alternative to Public
Discover affordable, comprehensive private health insurance as an alternative to public options. Enjoy extensive coverage at a fraction of the cost, ensuring quality healthcare meets budget-friendly solutions.
Quicker Appointments, Enhanced Coverage
Say goodbye to long waiting times and enjoy access to a wider range of healthcare services, ensuring prompt and superior health care when you need it most.
Your Advantages
We understand the unique needs when relocating to Germany. Let us help you with comprehensive insights into German insurance and retirement plans.
We cut bureaucracy
Simplify your experience with our streamlined approach. We cut through the red tape, making processes faster and more efficient, so you can focus on what matters most.
As Distinct as Your Life
Every service we offer is customized to fit your unique needs. We understand that one size doesn’t fit all, and our personalized approach reflects your individual life and preferences.
We're Independent
Our independence means unbiased advice and services focused solely on your best interests. With no ties to external entities, our priority is always aligned with your needs and goals.
We're available
Accessibility is at our core. We’re here for you whenever you need us, offering responsive, reliable support and guidance every step of the way.
100 % digital
Embrace the convenience of our fully digital services. From consultations to management tools, our technology-driven approach ensures efficiency and security in all your interactions.
All English, Zero Worries
Communicate with ease. Our services are offered entirely in English, removing language barriers and ensuring clear, worry-free understanding in every conversation.
Your Path to Getting Started
Our step-by-step process designed to seamlessly integrate our services into your life. From the initial personalized consultation to the ongoing support, we ensure each stage is tailored to your needs, fully digital for convenience, and backed by our commitment to long-term, individualized assistance.
First, we will arrange an initial consultation with you. We'll listen carefully to find a perfect fit for your needs.
Receive a plan crafted just for you. We take into account your individual circumstances to create a strategy that aligns perfectly with your personal and financial objectives.
Enjoy the convenience of full digital access to our services. From easy online management to digital communication tools, experience seamless, efficient interactions at your fingertips.
Rest assured with our commitment to long-term support. Our team is dedicated to providing ongoing, personalized assistance, ensuring your needs are met today and in the future.
Health Insurance in Germany for Foreigners and Expats
Health insurance becomes a practical question as soon as you sign a German employment contract.
Your status decides the system
Employment status and salary determine whether statutory health insurance is compulsory for you or private health insurance is open to you.
Visa and residence permit
Depending on your nationality and residence status, proof of adequate health insurance can be required.
Written for the German market
Policy conditions and medical questionnaires follow German practice and are hard to assess shortly after arrival.
Advice in English
We explain the options, conditions and documents in English before you decide.
Private Health Insurance in Germany: Cost and Monthly Prices
Private health insurance does not charge a percentage of your salary. Your premium depends on your entry age, your health and the cover you choose. The premiums are health insurance only, without long term care insurance. Self employed people and freelancers pay the first column, employees the second.
| Entry age | Gross monthly premium | Employee share after employer contribution | Potential first year contribution refund |
|---|---|---|---|
| 20 to 25 | €380 to €870 | €190 to €440 | €300 to €3,130 |
| 30 to 35 | €690 to €990 | €340 to €500 | €530 to €3,450 |
| 40 to 60 | €830 to €1,570 | €410 to €990 | €620 to €5,100 |
Employer share
For employees the employer pays about half of the eligible premium, up to the statutory maximum. Above that ceiling your own share grows.
Compared with GKV
Statutory insurance charges a percentage of income up to the contribution ceiling. Private insurance charges an individual premium instead.
Premiums can rise
Contributions are not fixed for life and can increase later.
Contribution refund
A Beitragsrückerstattung depends on the conditions of the individual tariff and usually on claiming no benefits.
Private Health Insurance in Germany: Salary Limit and Eligibility
Whether you may choose private insurance depends on your employment status.
In 2026 the compulsory insurance limit (Versicherungspflichtgrenze) is €77,400 per year. Above it you may choose between statutory and private insurance, below it statutory insurance stays compulsory. Passing the limit during the year ends the obligation with that calendar year.
The salary limit does not apply. Private insurance is open regardless of income, unless a separate statutory obligation applies.
Beihilfe covers part of the medical costs. Private insurance covers the remaining share.
How We Choose the Best Private Health Insurance in Germany
We compare six insurers for expats: ARAG, LKH, Allianz, ottonova, Hallesche and HanseMerkur. Three criteria decide which of them fits you.
Premium stability
The entry premium says little about what you pay in ten years. We look at how an insurer has adjusted premiums in the past and how the tariff is calculated, because that development carries the real cost.
Support in English
Signing a policy in English is common. Claims, invoices and medical questions are where the language matters, and not every insurer answers in English there. We check the service in the claim, not only in the sale.
Waiting periods
A waiting period is the time between the start of cover and the first claim for certain benefits, often dental treatment or psychotherapy. Some tariffs drop it after a medical examination. We check where a period applies and what removes it.
Portal or broker
A comparison portal sorts by price, and that answers one question well. We sort by fit: your entry age, your health record, the benefits you need and how the insurer behaves years later. That order often puts a different tariff first.
Answers to Your questions
We understand the unique financial needs of young professionals relocating to Germany. Let us help you with comprehensive insights into German insurance and retirement plans.
What are the advantages of private health insurance (PKV)?
The advantages of private health insurance in Germany include more comprehensive and personalized coverage options, shorter waiting times for medical appointments and procedures, access to a wider range of healthcare services, and the possibility of getting treatments and benefits not covered by statutory health insurance. Additionally, private insurance often allows for more direct communication with healthcare providers and more flexibility in choosing doctors and specialists.
What language is the support in?
Our support is offered entirely in English, ensuring clear and effective communication for all your inquiries and needs.
Who is eligible for private health insurance in Germany?
In Germany, private health insurance eligibility typically includes employees with an income above 77.400 €, or self-employed individuals, or civil servants, and freelancers. For everyone else, we offer suitable public health insurance options. Simply apply, and we will arrange a consultation to discuss the best plan for your needs.
How do private and public health insurance contributions differ in Germany?
In Germany, the primary difference between private and public health insurance contributions lies in their calculation methods. Public health insurance contributions are typically based on income, meaning the higher your income, the higher your contributions, up to a certain limit. In contrast, private health insurance premiums are determined by individual risk factors such as age, health status, and chosen coverage level, rather than income. This can make private insurance more cost-effective for some individuals, especially those with higher incomes or specific health needs.
On what criteria is the private health insurance (PKV) selected by Finance Artisans?
We select private health insurance based on an in-depth analysis of your current and future life situation, ensuring we find the best fit for you. This approach allows us to tailor the insurance coverage to your specific needs, preferences, and long-term goals, providing you with a plan that not only meets your requirements today but also adapts to your changing circumstances in the future.
Do I have a personal contact person?
Yes, we are always here for you. Once you join us, you will be assigned a personal contact person who will stand by your side, ready to assist with any questions or needs you may have. This ensures you receive personalized and consistent support throughout your experience with us.
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