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Your Private Health insurance in Germany

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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.

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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.

1. Tailored & Free Consultation

First, we will arrange an initial consultation with you. We'll listen carefully to find a perfect fit for your needs.

2. Individual plan

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.

3. Full digital access

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.

4. Personal support

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.

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 69.300 €, 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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