Health Insurance & Health Care in Germany

Health Care Insurance is mandatory in Germany, however you do have options

Insurance in Germany - MW Expat

General Information

State health insurance is mandatory unless you earn over €62,550 per year before tax, under €450/month or you are self-employed. In these cases you can choose to insure yourself privately instead.

Nursing care insurance is also compulsory; normally this insurance goes hand in hand with your medical insurance and is insured with the same company.

Your Employer will pay half of your health insurance costs (including the supplementary charge), however, the maximum amount he will contribute is €367.97/month for your health care and €71.48/month for your nursing care insurance. Should the premiums be higher, the costs are covered solely by yourself.

Health Care in Germany is of a very high standard, regardless of which system suits your personal situation best. For health care to be considered to be compliant by the German authorities it has to cover everything that is regarded as medically necessary. In particular reimbursement limitations are not permitted.

Private Health Care

Private health care not only offers the highest level of cover but for certain people can also be the most cost-effective option. Entry age, health and the level of cover determine the premiums.

State Health Care

If you are employed and earn under  €62,550 gross per year, have a family insured with you or medical preconditions then the state health care system is the best option available.

Supplementary Health Care

Supplementary health insurance cover is a popular method of covering any gaps in the state health care system. The most common items are dental care, alternative medicine and private health care in hospital.

Incoming / International Options

In certain circumstances other forms of non-compliant health care can offer the best immediate solution. However,  these are only recommendable for a short period of time (eg. visa application).

Get help choosing the right health insurance for you

The decision regarding which system to choose is one which should not be taken lightly and the advantages and disadvantages of both systems should be explained in detail before you, the client, reaches the decision that is right for you.

There are several questions which have to be taken into consideration before the correct advice can be given to you. These questions provide a broad overview of your present situation taking several important factors into account, such as your employment status, state of health and family situation. The answers to the questions enable us to be in a position to offer you the cover that best suits your needs and at the best price. Please contact us and we will answer your initial questions and will talk you through the next steps.

What previous customers say?

"MW Expat was extremely helpful with all of my health insurance paperwork. My advisor at MW Expat was extremely easy to communicate with and responded swiftly to all my questions and processed lots of my documents without me having do any heavy lifting. They are extremely professional and personable and I would recommend using them for anyone who is intimidated by the German healthcare system or other complex bureacracy problems."
Alex from Berlin
"MW Expat has supported me with the health insurance selection and registration. This was a very important part of my relocation in Munich and they made it very smooth, supporting me with translated proposals, in English, for all the available and suitable options. Nevertheless they have always been very welcoming in answering my questions also after the registration was completed."
Giuseppe from München
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For a tailored approach to Health Care,
contact MW Expat Solution Services GmbH today.