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How to Save Money with Private Health Insurance in Germany

If you’re living and working in Germany, you probably know that you’re legally required to have health insurance. But what many people don’t realize is that the type of insurance you choose can have a big impact on your finances over time. This is especially relevant for expats and freelancers. Knowing the difference between public and private health insurance in Germany can help you not only get better healthcare, but also make smarter decisions with your money.

In this article, we’ll explain how much you could actually save by switching from public to private health insurance in Germany and what would happen if you invested that extra money instead.

The Cost of Public Health Insurance in Germany

In Germany, public health insurance (Gesetzliche Krankenversicherung or GKV) is mandatory by law and based on your income. The total contribution rate is approximately 20.65% of your gross salary, broken down as follows: 14.0% for health insurance, 2.45% as the TK (Techniker Krankenkasse) additional contribution, and 4.2% for long-term care insurance for childless members aged 23 and over. This total contribution is usually split evenly between you and your employer.

However, contributions are capped at around €1,150 per month. For 2025, the income threshold is €73,800 per year, so even if you earn more, you won’t pay more than that maximum of approximately €1,150–€1,173/month for public health insurance. That might seem like a high amount of money and, for some people, especially freelancers who pay the full amount on their own, it can feel like a heavy monthly expense.

What’s the Alternative?

If you earn above a certain income threshold (like the €73,800/year mark), or are self-employed or a freelancer, you’re eligible to choose private health insurance in Germany (Private Krankenversicherung or PKV) instead.

Private health insurance plans are based on your age, health status, and coverage preferences, not your income. Therefore, with private health insurance in Germany, you’ll generally pay less in monthly premiums than you would with public insurance. Have you ever considered taking the amount you would have paid into the public insurance system and invest it instead?

private health insurance in Germany

Instead of paying hundreds more each month into the public system, you could take the difference and invest it in a way that fits your life in Germany as an expat. Whether you’re here short-term or planning to stay for the long haul, this simple investment strategy can have a big impact on your financial future and even help you build a retirement fund.

So by making this choice, you’re not just contributing to the system, you’re creating a safety net that actually grows with you.

Why Freelancers Should Especially Pay Attention

As mentioned above, public insurance doesn’t adjust based on your expenses, it just keeps increasing with your income. For freelancers, this means high monthly costs with very little control.

Private health insurance in Germany, however, puts you in control. You can tailor your plan to fit your needs, whether that’s basic coverage at a lower monthly rate or a more comprehensive package. All in all, you decide the level of coverage and what you save on premiums, and you can reinvest that money in something that benefits you, like your business, personal development, or long-term investments for your retirement years.

private health insurance in Germany

Real-Life Example: What If You Invested the Difference?

Let’s say you’re a 30-year-old expat working in Germany and currently paying around €1,150 per month for public health insurance (GKV). That might be the case if you’re a freelancer or self-employed, since you’re responsible for the full contribution.

If you switch to private health insurance in Germany (PKV), your monthly premium could drop to around €481. That’s a difference of €669 per month—a significant amount!

Now, if you’re an employee, things look a bit different. Your employer covers half of your public insurance contribution, so your share is likely around €575 per month. In that case, switching to private health insurance in Germany could still save you about €94 per month—and some employers also contribute to your private insurance premiums.

Even after factoring in things like cashback and other benefits, a freelancer could still have around €334 extra in their pocket each month. Now imagine you decide to take just €200 of that and invest it regularly into a long-term fund. So if you are 30, you have 37 years until the official pension age in Germany, meaning 37 years of contributions into the fund. With consistent investing, that could result in a pension of €1,188 per month until you’re 90 years old.

By age 52, that fund alone could already provide you with €397.79 per month until you turn 90, a nice boost alongside your main income or as a supplemental pension. And it all started with the money you saved by switching insurance plans and making no extra efforts, just a smarter way to use money you were already spending.

Private Health Insurance in Germany: Why Is It A Smarter Way to Secure Your Future?

In conclusion, choosing private health insurance in Germany isn’t just a financial upgrade, it’s a proactive step toward better healthcare, smarter money management and long-term security.

You benefit from:

  • Lower monthly premiums compared to public plans
  • Faster, higher-quality healthcare when you need it most
  • Customized investment opportunities that build a reliable safety net over time
private health insurance in Germany

All in all, the decision between public and private health insurance in Germany can shape both your quality of life and your financial freedom. Choosing private health insurance isn’t just about saving money, it’s about building a safety net that grows with you over time. It means getting better healthcare, more control over your finances, and peace of mind for the future.

We highly recommend taking a moment to review your options. If you need assistance to clarify your options, you can book a call with one of our insurance experts here. We’re here to guide and support you in understanding your choices. We also have a live chat feature available on every page! If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly.

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!

Retirement in Germany for Expats: Understanding Pensions and Insurance

Germany is becoming an increasingly popular destination for retirees from around the world. With its high-quality healthcare system and strong, stable economy, it offers a compelling environment for those looking to spend their retirement abroad. However, understanding the overall process of retirement in Germany for expats as well as the details of the healthcare and pension systems is essential for a successful transition.

Why Does Germany Appeal to Retirees?

Retirement in Germany for expats has become popular due to its excellent healthcare, stable economy, and high quality of life:

  • High quality of life. Safe cities, efficient public services, and a strong social welfare system make daily life comfortable and secure for retirees.
  • Excellent healthcare. Germany’s healthcare system is ranked among the best in the world, offering retirees reliable access to top-tier medical care when they need it most.
  • Rich culture. From classical music to world-class museums, Germany provides a wealth of enriching cultural experiences.
  • Efficient infrastructure. With reliable public transport and well-maintained roads, getting around Germany is easy, making mobility convenient and stress-free.

2. Legal Requirements for Retiring in Germany

For Non-EU citizens, there are a few key requirements to fulfill in order to enjoy a smooth retirement in Germany for expatsThese include:

  • Proof of financial self-sufficiency. You’ll need to demonstrate that you can support yourself financially through pensions, savings, or other reliable income sources.
  • Valid health insurance. Ensuring you have comprehensive health insurance coverage is essential. This could be private or public health insurance, depending on your situation.
  • Local registration (Anmeldung). Once you arrive in Germany, you’ll need to register with the local authorities within two weeks, a process known as Anmeldung. This is necessary for obtaining your residence permit.

For EU citizens, the process is a bit simpler. You don’t need a specific residence permit to retire in Germany, as you have the right to live and work in the country. However, you’ll still need to ensure you have adequate health insurance and register your address (Anmeldung) upon arrival.

3. Health Insurance Options for Expat Retirees in Germany

In Germany, health insurance is a requirement for all residents, including retirees. When it comes to health coverage, retirees have two main options:

Public health insurance (GKV)

This is often the go-to choice for EU citizens or those who are receiving a pension from a German source. Despite being generally more affordable, public insurance tends to have longer wait times and more limited options for specialized care.

Private health insurance (PKV)

 If you’re self-funded in retirement, you can opt for private health insurance. This plan offers more tailored services and faster access to specialists. While premiums can be higher and may increase with age, the added peace of mind and premium services make it a worthwhile investment for many retirees looking for comprehensive and high-quality healthcare.
retirement for expats in Germany

3.1. Choosing Between Public and Private Insurance

When deciding on the right insurance plan, it’s important to consider your personal needs and circumstances:

  • Public insurance. While premiums are income-based and include family coverage, public insurance tends to have longer wait times and more limited options for specialized care.
  • Private insurance. Private insurance offers shorter wait times, broader coverage, and more personalized services, making it the preferred option by most retirees.

3.2. Health Insurance Costs in Retirement

The costs of health insurance in Germany depend on whether you choose public or private coverage:

  • Public insurance. Typically costs around 14-15% of your pension income. This rate is income-based, meaning the amount you pay will depend on the size of your pension or other earnings.
  • Private insurance (PKV). Premiums for private insurance generally range between €400 and €800 per month, depending on factors such as age, health status, and the level of coverage you select.

Additionally, both systems may involve co-payments for certain services and medications. These are usually capped annually, ensuring you don’t face unlimited costs for frequent treatments.

4. Understanding Pensions in Germany

As an expat retiree in Germany, it’s essential to understand how the pension system works and how it might apply to you:

State pension system (Gesetzliche Rentenversicherung)

If you’ve worked in Germany for a certain number of years, you may be eligible for the state pension. The amount you receive depends on your contributions during your working years. However, expats who haven’t contributed to the German system may need to explore alternatives.

Pension portability

 If you’ve accumulated pensions in other countries, Germany has agreements with many nations to prevent double taxation and allow pension transfers. You can find further information on the process of transferring your pension from abroad on this article.

Private and company pensions

Expats may also have access to private pension plans or the German company pension (bAV). While the public pension system might not apply, these alternatives can provide additional financial security in retirement. It’s important to assess these options and consult a financial advisor to ensure you’re maximizing your retirement funds.

5. Taxation for Retired Expats

Germany taxes worldwide income, including pensions. Therefore, a successful retirement in Germany for expats also requires navigating taxation. Here are the key points to keep in mind:

  • Double taxation agreements. Germany has agreements with countries such as the US, UK, and Canada to prevent double taxation on pensions and other income.
  • Tax returns. Depending on your income sources, you may be required to file a tax return.
  • Consulting a tax advisor. It’s highly recommended to consult with a tax advisor familiar with expat taxation to navigate the complexities.
retirement in Germany for expats

6. Access to Healthcare Services

Healthcare access is a major asset in retirement in Germany for expats. Here are some tips:

  • Find English-speaking doctors. You can easily find English-speaking doctors through expat networks or through recommendations from your insurer.
  • Emergency services. Dial 112 for emergency medical services, which are prompt and efficient.
  • Routine care. Preventive care and routine screenings are well-integrated into the healthcare system, ensuring early detection and health maintenance.

At MW Expat, we can help connect you to these services to ensure smooth access to care. We are here to help, so do not hesitate to reach out to us!

7. Tips for Settling in as a Retiree

  • Learn basic German. Understanding the language helps with daily tasks, interacting with locals and navigating the bureaucracy.
  • Join expat clubs, language courses, or volunteer groups. These are great ways to build social connections and integrate into your new community.
  • Utilize city hall and expat services. These resources can help with permits, documentation, and understanding local regulations.
  • Consider budgeting for living costs. Make sure you account for rent, health insurance, and everyday expenses when planning your finances in Germany.
  • Explore tax advantages. Germany offers tax deductions for certain retirement-related expenses and has agreements to prevent double taxation, which may benefit expats.
  • Look into local discounts. Many places offer senior discounts, from public transport to museums, making life more affordable.

Retirement in Germany for expats can be a fulfilling and enriching experience. With its outstanding healthcare, cultural offerings, and stable environment, Germany remains a top choice for international retirees. From securing health insurance to understanding pensions and taxes, being well-informed is key for a smooth process.

If you need assistance with planning your retirement or advice on choosing the right type of health insurance, feel free to reach out to us here. We also have a live chat feature available on every page! If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly.

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!

8 Common Insurance Mistakes in Germany: A Guide for Expats

When moving to Germany, expats often face the challenge of navigating a completely different insurance landscape. Choosing the right health insurance is crucial, but with Germany’s dual public and private systems, it’s easy to feel overwhelmed. Without proper guidance, many expats make costly mistakes. In this guide, we will highlight 8 common insurance mistakes in Germany that expats often make when choosing health insurance, and provide useful advice to help you avoid them.

1. Understanding the Difference Between Public (GKV) and Private (PKV) Insurance

One of the most common insurance mistakes in Germany is confusing your options or not understanding which type of health insurance is best for your needs. Public insurance is mandatory for employees earning under a specific income threshold, while private insurance is available to higher earners and self-employed individuals. Expats working for German employers are typically enrolled in GKV. Freelancers, students, and those above the income cap have the option of PKV. Understanding your eligibility is key to making the right choice.

Tips to Avoid Mistakes

  1. Learn the basic differences between GKV and PKV. Public insurance (GKV) is income-based, while private insurance (PVC) offers personalized plans for those eligible. 
  2. Determine your eligibility. Understand your employment and residency status. For example, GKV is mandatory for most employees under a certain income, while freelancers and those above the income threshold have the option to choose PKV.
  3. Consult insurance experts or advisors to save you from costly mistakes and ensure you understand which option is best for your residency and employment status. You can arrange a free consultation with us here. 
expat comparing options

2. Choosing Between Public and Private Insurance

A frequent common insurance mistake in Germany is opting for public insurance solely because it appears easier or more straightforward at first glance. While public insurance offers predictable, income-based premiums, private insurance provides tailored plans, faster access to specialists, and broader coverage options that can better suit individual needs and preferences. Taking the time to assess your long-term goals, healthcare requirements, and potential life changes, such as family planning or income growth, can help ensure you make the best decision for your circumstances

Tips to Avoid Mistakes

  1. Understand coverage. Research the different coverage options available with public (GKV) and private (PKV) insurance to see which aligns better with your healthcare needs and financial situation.
  2. Compare benefits. Look at the additional benefits offered by private insurance, such as faster access to specialists or private hospital rooms, and determine if these advantages are important to you in the long term
  3. Plan for the future. Consider potential lifestyle changes, such as family planning or career shifts, and how they might affect your choice of insurance.

3. Overlooking Mandatory Health Insurance Requirements

 

A typical example of common insurance mistakes in Germany is overlooking the country’s mandatory health insurance requirements. This includes failing to register for health insurance promptly after arriving in Germany, assuming that short-term travel insurance is sufficient for long-term stays, and misunderstanding the penalties for non-compliance with German law.

Tips to Avoid Mistakes 

1. Register for health insurance immediately after completing your residency registration (Anmeldung). 

2. If you’re a long-term expat, opt for local insurance that complies with German regulations rather than relying on temporary travel coverage. 

3. Stay informed about legal requirements to avoid back payments or fines.

common insurance mistakes in germany

4. Disregarding emergency and repatriation coverage

Another key example of common insurance mistakes in Germany when it comes to emergency and repatriation coverage is assuming that all health insurance policies automatically cover emergency evacuation or repatriation costs. Additionally, many expats overlook the importance of having international coverage for travel outside Germany, not realizing that their insurance may not cover medical emergencies abroad. It’s essential to carefully review your policy to ensure it includes these critical aspects, especially if you plan to travel or live outside the country for extended periods.

Tips to Avoid Mistakes

1. Ensure your policy includes emergency evacuation and repatriation coverage, especially if you frequently travel outside Germany. 
2. Verify international coverage limits for medical emergencies abroad.
3. Check the fine print. Review your policy for any exclusions or limitations on emergency and repatriation coverage to avoid surprises when you need it most.

5. Misunderstanding Pre-Existing Condition Clauses

 One of the most frequent common insurance mistakes in Germany pwhen applying for health insurance is failing to disclose pre-existing conditions, which can result in denied claims or coverage issues later on. Additionally, some expats assume that all insurers handle pre-existing conditions in the same way, not realizing that different policies and providers may have varying rules and exclusions regarding these conditions. It’s crucial to be upfront and transparent with insurers to avoid complications and ensure you get the coverage you need. 

Tips to Avoid Mistakes

  1. Be transparent about your health history to avoid claim denials later.
  2. Compare insurance options to find one that offers the best coverage for pre-existing conditions.
  3. Consider additional coverage. If your pre-existing condition isn’t fully covered, explore supplementary insurance options to ensure you have the protection you need.
  4. Review policy terms carefully. Make sure to thoroughly read the terms and conditions related to pre-existing conditions to understand any waiting periods or exclusions that may apply.

Failing to Understand the Claims Process

Another notable example of common insurance mistakes in Germany that many expats make is failing to understand how the claims process works in Germany, especially when it comes to both public (GKV) and private (PKV) insurance. Each insurance provider has specific procedures for submitting claims, which can be quite different from what expats may be used to in their home countries. This can lead to delays, confusion or missed reimbursements if not managed properly.

Tips to Avoid Mistakes

  1. Familiarize yourself with the claims process in Germany to avoid delays or misunderstandings, whether you have public or private insurance. You can check out our article for a detailed guide on how the insurance claims process works in Germany.
  2. Keep track of all documents, invoices, and receipts related to medical treatments for smoother claim submissions.
  3. Be proactive in contacting your insurer if you have questions or encounter issues with the claims process to ensure everything is processed on time.

7. Underestimating the cost of family coverage

 

Many expats overlook the potential cost of adding family members to their health insurance policy. While individual coverage might seem affordable, adding a spouse or children can significantly increase premiums, particularly with private insurance, but it brings specific benefits. It’s important to account for these costs when planning your budget.

insurance coverage

Tips to avoid mistakes

  1. Evaluate the cost of family coverage when selecting your insurance to avoid any surprises down the road.
  2. Compare family plans between public and private insurance to find the most cost-effective option.
  3. Consider family-specific benefits offered by private insurance, such as dental or vision care, that might justify the higher premium costs.

8. Overlooking the Importance of Dental and Vision Coverage

Common insurance mistakes in Germany that expats often make also include overlooking dental and vision coverage in their health insurance plan. While many public health insurance plans (GKV) provide basic dental coverage, they often do not cover more extensive treatments such as orthodontics or advanced dental procedures. Private insurance (PKV) may offer better coverage for these services, but expats might not realize the differences until they need such care.

Tips to Avoid Mistakes

  1. Review your health insurance plan to ensure it covers essential dental and vision care.
  2. Consider adding supplementary coverage for dental and vision if they’re not included in your primary plan, as these services can be quite expensive.
  3. Plan for regular check-ups. Include dental and vision coverage in your insurance plan to ensure you can afford routine care and avoid higher costs for emergency treatments.

We know that securing health insurance as an expat can be challenging, but avoiding common insurance mistakes in Germany will save you time, money, and stress. By understanding the dual healthcare system, meeting legal requirements, and carefully choosing between public and private insurance, you can ensure that you and your family are well-protected. Don’t hesitate to seek professional advice to tailor your insurance plan to your unique circumstances. We highly advise you to reach out to an insurance expert when choosing insurance in Germany to ensure you’re properly covered. If you need personalized advice, you can arrange a free consultation with us hereWe also have a live chat feature available on every page. If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly!

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!

The Ultimate Guide to Choosing Health Insurance in Germany

Choosing health insurance in Germany requires careful consideration of your circumstances and long-term needs. Germany is renowned for its high-quality healthcare system, and one of the most important decisions you will need to make when moving to the country is choosing the right health insurance. The German healthcare system is comprehensive and a bit complex, especially for expats unfamiliar with how it operates. In this guide, we will help you understand the options available and the factors that can help you select the health insurance that best suits your medical and financial needs.

Public vs. Private Health Insurance in Germany

 Germany’s healthcare system operates under a dual structure that includes both public and private health insurance. Health insurance is mandatory for everyone living in Germany, including expats, whether they choose public or private coverage. When choosing health insurance in Germany, understanding both types of coverage is key:

Public Health Insurance (GKV)

Public health insurance, known as Gesetzliche Krankenversicherung (GKV), is the default option for the majority of residents in Germany. It is mandatory for anyone earning less than €64,350 per year (as of 2023). The system is non-profit and funded by contributions from both employees and employers. In 2023, the premium is set at 14.6% of an employee’s gross income, with an additional charge of around 1.1% depending on the chosen insurer. GKV is managed by various non-profit health insurers, known as Krankenkassen, who offer similar levels of coverage but may differ in terms of customer service and extra benefits. These insurers cannot deny applications from eligible individuals, making GKV accessible to everyone who falls within the required income range or meets other eligibility criteria.

Private Health Insurance (PKV)

Private health insurance, or Private Krankenversicherung (PKV), is available to individuals who either earn more than the income threshold or are self-employed. Unlike public insurance, private insurance premiums are calculated based on factors such as age, health status, and the level of coverage selected. Private insurers offer customizable plans that allow policyholders to tailor their health coverage according to their specific needs. Private insurance provides more comprehensive coverage and faster access to medical services. Although PKV offers flexibility, once you switch to private insurance, it can be challenging to return to public insurance.

choosing health insurance in germany

Detailed Comparison of Public vs. Private Insurance

Cost Comparison 

When choosing health insurance in Germany, it’s essential to understand is that the cost structure for public and private health insurance is quite different. Public insurance premiums are based on a percentage of your income. In 2023, employees pay 14.6% of their gross income, with employers contributing half of this amount. For example, if your monthly income is €4,837, your contribution to health insurance would be approximately €770, with €385 paid by you and €385 by your employer. There is a cap, meaning that once you reach a certain income level, your contributions will not increase. Private insurance, however, operates on a system tailored to individual circumstances. Premiums depend on factors such as age, health, and the level of coverage you select. 

choosing health insurance in germany

Flexibility and Freedom of Choice 

When choosing health insurance in Germany, one of the primary benefits of private insurance (PKV) is the greater flexibility it provides. With PKV, you often have the freedom to choose your doctors and specialists without needing a referral. This can reduce waiting times and give you faster access to medical care. In contrast, public insurance typically requires referrals from a general practitioner before seeing a specialist.

In terms of hospital stays, private insurance often offers the choice of private rooms and treatment by senior physicians. Public insurance, on the other hand, only provides coverage for shared hospital rooms and treatment by the available medical staff.

Waiting times and services

The decision-making process for choosing health insurance in Germany should also consider differences in waiting times and services. Public insurance holders may experience longer waiting periods for certain treatments or specialist visits, while private patients often enjoy shorter waiting times and priority access to services. Private health insurance also tends to offer more personalized care, with some policies covering services such as direct access to alternative medicine, homeopathy and wellness treatments that may not be included in public health insurance plans.

4 Factors To Consider When Choosing Health Insurance in Germany

Choosing the right health insurance in Germany depends on various personal factors. When evaluating the different options, it’s essential to consider your specific healthcare needs to choose the right health insurance in Germany. Here are the key considerations you should keep in mind:

1. Your Income Level

Your income is the primary factor that determines whether you are eligible for public or private health insurance.

If you earn less than €64,350 annually (or €5,362 per month), you are required to join the public health insurance system. This income threshold changes slightly each year, so it is important to check the latest updates.

Public insurance is designed to be accessible for most people in Germany, while private health insurance (PKV) is generally available to high earners or self-employed individuals and a more convenient option for them. Understanding your income level is crucial as it directly impacts your ability to choose the right health insurance in Germany that fits your circumstances.

2. Pre-Existing Health Conditions

If you choose public health insurance, pre-existing medical conditions are not a concern, they are fully covered without affecting your premiums. However, this is different when it comes to private health insurance. While private insurers are required to accept individuals with pre-existing conditions, they are allowed to charge higher premiums based on the additional risk. In some cases, they may only offer limited coverage that is similar to what public insurance provides. Addressing your health needs and financial situation is crucial to choose the right health insurance in Germany.

3. Medical Coverage

The benefits provided by public and private health insurance can vary significantly. Public health insurance typically covers:

  • In-patient hospital care as a ward patient.
  • Out-patient care from general practitioners and specialists.
  • Prescription medications.
  • Basic dental care.
  • Pregnancy and maternity care.
  • Employee sick pay (up to 90% of your salary after six weeks of illness).

Private health insurance, however, allows for more tailored plans that can include additional services like:

  • Private rooms during hospital stays.
  • Direct access to specialists without a referral.
  • More comprehensive dental care.
  • Alternative medical treatments.
  • Fixed-rate premiums that do not increase significantly with age.

4. Family Coverage

If you opt for statutory health insurance, your family members, such as your wife and children, can be covered under your policy at no extra cost, as long as they do not earn more than €450 per month. This is particularly beneficial for families where only one parent works or when the other family members have minimal income. You can read more on family health insurance on this link.

Considering these factors can help you avoid common mistakes and ensure that you choose the right health insurance in Germany based on your specific needs and circumstances.

Common Mistakes to Avoid When Choosing Health Insurance in germany

When choosing health insurance in Germany, there are some common mistakes you should avoid:

  • Not considering future health needs. If you have a family history of certain medical conditions or are planning to stay long-term, choose insurance that will support your healthcare needs over time.
  • Ignoring waiting times. While public insurance may have longer waiting periods for certain treatments, private insurance provides quicker access to specialists. It might be worth spending a bit more to ensure you’re always protected and can receive timely medical care when needed.
  • Opting for the cheapest option. We understand that it may be tempting to choose the least expensive plan, but cheaper policies often provide less comprehensive coverage, which can lead to higher costs later on.

Switching Your Insurance Provider

Switching your insurance provider in Germany can be a significant decision, especially if your circumstances or preferences change over time. Whether you are covered by public or private health insurance, understanding the regulations when choosing health insurance in Germany is essential. For those enrolled in public health insurance, the minimum period of membership with a specific Krankenkasse is typically 18 months. After this period, you can switch to another public insurer without penalty. 

On the other hand, if you are considering switching to private health insurance, the rules are different. If you meet the eligibility criteria—such as earning above the annual income threshold or being self-employed—you can transition to a private insurer with a 2-month notice period. However, it’s worth noting that switching to private insurance is often a long-term commitment, as rejoining the public system can be challenging. 

We understand that choosing health insurance in Germany can seem daunting, especially for expats unfamiliar with all the options available. However, by understanding the differences between public and private health insurance, evaluating your personal needs, and staying informed about the regulations for switching providers, you can make an informed decision. Consider seeking advice from an insurance expert when choosing health insurance in Germany to ensure a smooth and informed transition. f you need personalized advice, you can arrange a free consultation with us hereWe also have a live chat feature available on every page. If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly!

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!

Insurance Claims Process in Germany: The Essential 5-Step Guide

Germany’s insurance system is designed to provide solid coverage options, and understanding the insurance claims process in Germany can save you time, effort, and money. Although these processes can feel overwhelming, once you grasp how different types of insurance claims work, the journey becomes much more manageable.

In this guide, we’ll walk you through everything you need to know, from filing health and auto insurance claims to identifying common reasons for claim denials and how to address them.

Types of Coverage

When it comes to filing insurance claims in Germany, understanding the types of coverage available and the insurance claims process in Germany is essential for expats. Each type of insurance carries specific requirements and procedures for filing claims, so knowing what’s expected can help you avoid delays and increase your chances of approval. Here’s a breakdown of the main insurance types expats in Germany might need:

  • Health insurance (Krankenversicherung). Mandatory for all residents, health insurance covers medical costs. For claim purposes, understanding whether you are on public or private health insurance is key.
  • Vehicle insurance. If you own a vehicle, car insurance is legally required.
  • Liability insurance (Haftpflichtversicherung). Highly recommended for all residents, this insurance covers damages you accidentally cause to others or their property.
  • Home and contents insurance (Hausratversicherung)This insurance protects against damage, theft, or loss of belongings within your home.
  • Term life insurance. Though optional, life insurance provides financial security for family members if the insured passes away.

When is it Necessary to File a Claim?

Knowing when to file a claim is essential for navigating the insurance claims process in Germany. You should consider filing a claim when you experience a loss that falls under your policy’s coverage, such as property damage, medical expenses from an accident, or theft. Additionally, if an incident significantly impacts your finances or well-being, it’s crucial to take action. Filing promptly ensures you meet any deadlines set by your insurer and helps facilitate a smoother claims process.

insurance claims process in germany

Types of Insurance Claims in Germany

Understanding the insurance claims process in Germany is essential to adapt to the country’s insurance system, particularly for expats. Each type of insurance —whether it’s health, car, liability, home, or life insurance— has its own specific claims process and requirements:

1. Health Insurance Claims

For health insurance, the insurance claims process in Germany differs based on whether you’re in the public or private system. In Germany’s private health insurance system, you typically pay upfront for services and submit bills to your insurer for reimbursement. In the public system, payments are usually settled directly between healthcare providers and insurance companies.

2. Vehicle Insurance Claims

If you’re involved in a car accident or your car is damaged, inform your auto insurance provider immediately to begin the insurance claims process in Germany. Prepare documents like an accident report, photos, and repair estimates. German law requires you to report accidents within a strict timeframe, and auto claims often follow a standardized process for efficient handling. Check out the official site of the largest automobile club in Europe, Allgemeiner Deutscher Automobil-Club e.V. (ADAC), to find reliable resources on auto insurance requirements and claims, including more detailed steps to follow after an accident in Germany.

3. Liability Insurance Claims 

Liability insurance is often used when you accidentally cause damage to someone else’s property or cause them injury. Inform your insurance provider as soon as possible after the incident, providing photos or a detailed account of the event. This insurance is typically very straightforward and covers most types of accidental damage. Claims require proof of the incident, including any evidence like photographs or witness statements, to verify the event and determine compensation.

couple home insurance

4. Home and Contents Insurance Claims for Expats

Home and contents insurance is essential for protecting your belongings within your home, covering damages from events like theft, fire, water damage or natural disasters. If you need to file a claim, promptly notify your insurance provider and gather necessary documentation, such as a police report in cases of theft or photos showing the extent of damage. Some claims may also require proof of ownership, like receipts or product warranties, to verify the value of lost or damaged items. Timely reporting and comprehensive documentation can streamline the claims process and improve your chances of swift approval.

5. Life Insurance Claims

 Life insurance is an optional yet valuable policy that ensures financial protection for beneficiaries in the event of the policyholder’s death. Filing a life insurance claim and beginning the insurance claims process in Germany requires the beneficiary to notify the insurance company as soon as possible and submit essential documents, including the policy details, a certified death certificate (if applicable), and identity verification to confirm their relationship to the insured. Once submitted, the insurance company reviews the information and determines eligibility for payout according to the policy terms. This process can provide beneficiaries with critical support during a difficult time, but proper documentation and prompt communication with the insurer help ensure an efficient claims process

How to File a Claim in Germany: Step-by-Step Guide

Preparing to File an Insurance Claim in Germany

Before filing a claim, it’s crucial to prepare your documentation and understand your policy’s coverage limits as part of the insurance claims process in Germany. Thoroughly review your insurance contract and make sure you have access to all relevant documents, such as proof of identity and receipts for any covered items or services. Understanding what is covered and excluded in your policy can help you avoid surprises during the claims process.

Required Documents When Filing an Insurance Claim

When filing any insurance claim, you’ll typically need to prepare the following documentation as part of the insurance claims process in Germany:

  • Proof of identity (passport, residence permit).
  • Insurance policy documents that outline your coverage.
  • Receipts or invoices for any expenses.
  • Reports such as police reports for auto or liability claims, or medical reports for health claims.
documentos for the insurance claim

Step 1: Informing the Insurer

As soon as an incident occurs, notify your insurance provider promptly. Many policies have strict timeframes within which you must report claims.

Step 2: Gathering Required Documents

Collect all necessary documents, such as police reports for auto accidents or medical bills for health insurance claims. Each type of insurance will require different documentation. Being thorough and meticulous at this stage is crucial for the insurance claims process in Germany.

Step 3: Completing the Claim Form

Fill out the insurance claim form accurately, detailing all relevant information about the incident, including dates, descriptions, and any other pertinent details.

Step 4: Submitting the Claim

Once the form and supporting documents are ready, submit them to your insurance provider via the preferred submission method, which could be online, by mail, or in person. Proper submission is vital for the insurance claims process in Germany to avoid any delays.

Step 5: Awaiting Decision and Processing

After submitting your claim, the insurance provider will assess the information. You’ll receive a response detailing the approval, payment, or denial of your claim.

What to Do if Your Insurance Claim is Denied

If you receive a denial letter, carefully review the stated reasons. If you believe the denial is in error, you can appeal by providing additional documents or information. Seeking legal assistance or consulting with a professional insurance advisor can be helpful, especially if language barriers pose a challenge. You can also check out the official website of Deutsche Rentenversicherung for further information on the insurance claims process in Germany. 

By familiarizing yourself with the insurance claims process in Germany, the different types of coverage and the specific requirements for filing claims, you can ensure a smoother experience when dealing with insurance matters. Remember to stay informed about the necessary documentation and processes to make your claims experience as efficient as possible.

If you need personalized assistance with your insurance claim, you can arrange a free consultation with our experts hereWe also have a live chat feature available on every page. If you have any questions, just click to start a conversation, and our team will be ready to assist you shortly!

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!

Family Health Insurance for Expats in Germany

Moving to a new country comes with many challenges, and ensuring your family is adequately protected is probably one of the most important tasks. In Germany, insurance is not only a legal requirement for some aspects but also a critical part of everyday life, especially for expat families. This guide will help you navigate family health insurance for expats in Germany and choose the best insurance plans for your family’s unique needs, including health, dental, liability and more.

Choosing the Right family health insurance for Expats in germany 

Health insurance is a legal requirement for all residents in Germany, including expats. Whether you choose public or private health insurance, ensuring your entire family is covered is essential. Children and dependents can usually be included in your plan, depending on your insurance provider.

When deciding between public and private insurance, consider factors such as family size, healthcare needs and long-term plans. For most expat families, private insurance may be worth exploring if you desire more personalized services or if your family has specific medical needs that are better addressed with private providers. You can find further information about private health insurance plans on this link.

Expat family

Most Common insurance plans for families

There are several options available when it comes to family health insurance for expats in Germany. Below are the most common plans to consider for your family’s health coverage:

Liability Insurance (Haftpflichtversicherung) 

Personal liability insurance is one of the most important policies expats should consider when living in Germany. It protects you and your family from the financial consequences of accidentally causing damage to others or their property, whether in everyday life or in legal situations. While not legally required, it is highly recommended and widely regarded as essential by Germans.

Household Contents Insurance (Hausratversicherung) 

Household contents insurance protects your personal belongings against risks such as theft, fire, water damage, and natural disasters. For expats, especially families who bring valuable possessions when relocating, this insurance offers a vital layer of protection for everything inside your home.

 
Family studying at home

Life Insurance for Families

Life insurance is an essential aspect of family health insurance for expats in Germany, providing financial security for your loved ones in the event of an unexpected death. For expats, life insurance can ensure that family members are financially protected, especially if you are the primary income earner.

There are two main types of life insurance in Germany: term life insurance and whole life insurance. Term life insurance (Risikolebensversicherung) provides coverage for a specific period, such as 10, 20, or 30 years, while whole life insurance (Kapitale Lebensversicherung) covers you for your entire life and also includes a savings component.

Education and Student Insurance for Children

 For expat families with school-age children, education and student insurance provide an additional layer of protection. These policies cover students during school activities and trips, ensuring that your child is protected both in and out of the classroom. Whether your children attend an international school or a local German school, student insurance can be an invaluable addition to your family’s insurance portfolio. 


Dental Insurance 

While basic dental care is included in most public health insurance plans in Germany, the coverage is often quite limited. Expats may find that certain treatments, like advanced dental procedures or orthodontics for children, are only partially covered or not included at all. This is why supplementary dental insurance becomes valuable for families.


Travel Insurance

 As an expat, traveling to visit family or explore nearby countries is often part of your lifestyle. However, unexpected events such as illness, injury, or travel disruptions can occur. For expat families who frequently travel abroad, having travel insurance is essential. This type of insurance provides coverage for medical emergencies, trip cancellations, lost luggage, and more, ensuring that your family is protected no matter where you go, complementing family health insurance for expats in GermanyAdditionally, expats also use travel insurance to cover trips back to their home country or for vacations abroad.


Disability Insurance (Berufsunfähigkeitsversicherung)

Disability insurance, or Berufsunfähigkeitsversicherung, is designed to protect your income if you become unable to work due to an accident or illness. For expats, this insurance is particularly important, as it ensures that your family’s financial stability is not jeopardized in the event of an unexpected disability.

Supplementary Insurance for Families 

Opting for the best family health insurance for expats in Germany often involves adding supplementary policies that provide additional benefits. While public health insurance in Germany offers comprehensive coverage, many expats choose to enhance their protection with supplementary insurance.

Supplementary policies can provide additional benefits that are not included in standard public or private insurance plans, such as better dental care, alternative medicine or more coverage for vision and hearing treatments. If you are enrolled in public health insurance, you may find that certain treatments or services, like dental treatments, private hospital rooms or alternative therapies, are not covered. Supplementary insurance allows you to add these benefits to your existing health plan, ensuring you and your family have access to the best possible care. Private insurance holders can also benefit from supplementary plans by increasing their coverage in specific areas.

Family health insurance for expats in Germany

How to Choose the Best Insurance Plan for Your Family 

Choosing the best family health insurance for expats in Germany requires careful consideration of several factors. The right plan will depend on your family’s size, health needs, budget and how long you plan to stay in Germany. It’s important to balance cost with coverage to ensure that your family is well-protected without overpaying for unnecessary services.

Factors to Consider When Choosing a Plan

First, assess your family’s healthcare needs. Do you have young children who need frequent medical checkups? Are you planning to have another child while living in Germany? Answering these questions can help determine whether public or private health insurance is better suited to your situation.

Next, consider your family’s financial situation. Public health insurance is income-based, making it a more affordable option for families with lower incomes. Private insurance may offer more flexibility and coverage options, but the costs can be significantly higher, especially if you have multiple family members to insure.

Consulting with Insurance Experts

For expat families who are unfamiliar with the German insurance system, consulting with an insurance broker who specializes in family health insurance for expats in Germany can be extremely helpful. Brokers can offer personalized advice based on your family’s specific needs, helping you choose the most suitable insurance plan. Additionally, they can assist with the often complex process of switching between public and private insurance or adding supplementary coverage. You can arrange a free consultation with us now. 

Tailoring Your Insurance Package

 Ultimately, the best insurance package for your family will be one that meets your healthcare needs, fits within your budget, and offers peace of mind. Many expats find that a combination of public health insurance with supplementary coverage for dental and vision care provides the best balance of cost and protection. However, private insurance can also be a great option for those who need more personalized services or are looking for a wider range of coverage.

Avoid Common Pitfalls 

One of the most common mistakes people make is rushing into an insurance contract without fully understanding the terms, especially when it comes to family health insurance for expats in Germany. Insurance contracts in Germany can be complex and full of legal jargon, so it’s important to review the policy thoroughly or seek advice from an expert before signing. 

Keep Insurance Policies Organized

For expat families, it’s essential to keep all insurance documents organized and easily accessible. Whether it’s health, liability, or household contents insurance, having a system in place to store your contracts, contact information, and policy details can save you time and stress in the event of an emergency. Consider using a digital insurance manager or cloud storage to keep your documents safe and accessible anywhere.

Choosing the right insurance plans for your family as an expat in Germany is crucial for your financial security and peace of mind. When exploring family health insurance for expats in Germany, it’s essential to assess your family’s healthcare needs. From mandatory health insurance to optional but highly recommended plans like liability and household contents insurance, there are a wide variety of options available to suit every family’s needs.  If you need further assistance, feel free to reach out to us. We now have a live chat feature available on every page! If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly!

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!