Private Health Insurance Germany
Find the perfect private health insurance in Germany tailored for expats.
Better coverage, faster appointments, and flexible plans.
Ready to secure your health in Germany? Fill out our contact form for personalized advice on the best private health insurance for expats. Enjoy top coverage, fast access to specialists, and
save up to 40% on fees.
After filling out the form, our insurance experts will contact you to tailor your premium rate to your specific needs.
Our advice and service is free and non-binding.
Click on one of the options below to start the survey.
Your information is safe with us—we never share it with anyone.
Welcome to a Smarter Health Insurance Plan with MW Expat
Why Choose Our Insurance Plan?
Comprehensive Coverage
Get extensive health coverage tailored for expats, ensuring all your medical needs are met.
Significant Savings
Save up to 40% on your private health insurance fees compared to standard plans.
Fast Access to Specialists
Enjoy quicker appointments and treatments with top medical professionals in Germany.
Personalized Plans
Receive customized insurance plans that suit your specific health needs and budget.
Expert Guidance
Benefit from professional advice to navigate and choose the best private health insurance options.
What our clients say about our services
Exclusive Offers Just for You
- Personalized Plans: Talk to our health insurance experts to get a plan tailored just for you.
- Flexible Coverage: Decide how much coverage you need, and adjust it as your situation changes.
- Significant Savings: Save up to 40% on your private health insurance fees.
Act Now for Better Health
Health insurance with MW Expat is about ensuring top healthcare without financial worries. Book a chat with us today to see how we can help you secure comprehensive coverage.
Our Effortless Insurance Process
Fill out the form
Click through our insurance form and fill in your contact details.
We will contact you
Our counsellors will contact you promptly for a non-binding and free initial consultation.
Receive offer
Receive your individual and free offer. Feel free to contact your personal counsellor for any question.
Chat With Our Team
You have an urgent request? Or just need some more information about German health insurance? No problem!
Our Customer Care team will be happy to answer all your questions.
Bianca Lukas
Insurance Expert
Carmen Dorlan
Insurance Expert
Mihaela Dorlan
Insurance Expert
Navigating Private Health Insurance in Germany: An Expat’s Guide
For expats living in Germany, understanding the healthcare system is vital. Among the key decisions to make is whether to opt for private health insurance. This comprehensive guide explains the nuances of private health insurance in Germany, helping you make an informed decision about your healthcare needs.
Why Private Health Insurance?
Private health insurance in Germany offers several advantages, including shorter waiting times for appointments, access to a wider network of doctors and specialists, and the option for private hospital rooms. Additionally, it often covers a broader range of treatments and services not available under the public system, such as alternative medicine practices and better dental care options.
Who is Eligible for Private Health Insurance in Germany?
Eligibility for private health insurance typically includes:
- Employees with a gross salary above the insurance threshold (Versicherungspflichtgrenze), currently set at approximately €69.300 per year.
- Self-employed individuals and freelancers.
- Civil servants and certain other professional groups.
Understanding your eligibility is the first step in considering private health insurance.
How do Private and Public Health Insurance Contributions Differ in Germany?
The major difference lies in how contributions are calculated:
- Public Health Insurance (GKV): Contributions are based on your income, averaging around 14.6% plus a possible additional contribution specific to the insurance company, shared equally between employer and employee.
- Private Health Insurance (PKV): Premiums are based on risk factors such as age, health status, and chosen coverage level, not your income. This can result in lower costs for younger, healthier individuals.
What Does Private Insurance Cover?
Private health insurance coverage varies significantly by plan and provider, but it typically includes:
- More comprehensive outpatient and inpatient care.
- Dental treatment and orthodontics.
- Specialized treatments and medications not covered by the public system.
- Option for treatment by chief physicians and private hospital rooms.
Customizing your coverage to suit your specific health needs is a key benefit of private insurance.
How Much Does Private Insurance in Germany Cost?
Costs for private health insurance are highly individual and depend on various factors including age, health status, and chosen deductible and coverage options. On average, monthly premiums can range from €150 to over €700. It’s crucial to get quotes from multiple providers to find a plan that fits your budget and healthcare needs.
How to Sign Up for Private Insurance?
Signing up for private health insurance involves:
1. Eligibility Check: Confirm you’re eligible for private insurance based on your employment status and income.
2. Research: Compare plans from different providers to find the best coverage for your needs.
3. Application: Complete the application, which may include a health questionnaire.
4. Confirmation: Once accepted, you’ll receive confirmation and your insurance policy details.
Expert Guidance for Your Health Insurance Needs
Choosing the right private health insurance in Germany can be complex. Our team of insurance experts is here to provide personalized advice, helping you navigate the options and find the best coverage for your needs. Whether you’re assessing your eligibility, comparing plans, or need assistance with the signup process, we’re ready to help. Contact us today to secure your health insurance solution in Germany.
