Best Private Health Insurance Germany

 The second pillar of German health insurance is private health insurance, which currently covers around 10% of the population, especially those with high incomes and self-employment.

Private health insurance scheme (Krankenversicherung - PKV)

Instead of choosing mandatory health insurance, you can get a private health insurance plan under certain circumstances. If you want private insurance and you are employed, you must inform your employer so that you are not automatically registered for compulsory health insurance. You can choose private health insurance if any of the following conditions are met:

  • You earn more than 64,350 euros a year.
  • Do you work as a freelancer or do you have your own business?
  • you are a government employee
  • You are a foreign student (exceptions apply; see the Student Health Insurance page for details).
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German private health insurance companies

All of these companies offer private health insurance policies for expats in Germany:

  • KLforExpats (independent brokerage for expat professionals)
  • ERICON broker (national broker for German and international health insurance)
  • Versicherungsbüro Weiss (English speaking health insurance broker)
  • Ottonova (Full English Support | Designed for Expats | €30 Amazon Voucher)
  • Expat brokers (English speaking broker Berlin/Frankfurt - visa expert, freelancers and employed persons)
  • Pens (for highly paid or self-employed individuals; insurance provided by Hallesche)
  • HanseMercur (Temporary medical insurance with English customer service provided by Feather)

International health insurance companies in Germany

All of the following companies offer health insurance policies in Germany that are tailored to the needs of expats:

  • Cigna
  • ERICON broker (national broker for German and international health insurance)
  • GeoBlue (for US citizens)
  • Mount Etna
  • for global health

What treatment does private health insurance cover?

Private health insurance offers comprehensive coverage and usually gives you access to all areas of the German health system, including doctor and specialist visits, health check-ups, hospital treatment, dentistry and prescriptions and medications. . It is also possible to customize your plan to suit your needs by choosing optional extras (see below).

Private health insurance premiums

The amount you pay for your private health insurance depends on several factors, including:

  • Your occupation
  • Your age
  • Your pre-existing medical conditions (you may need to undergo a medical exam)
  • The health plan you choose
  • Your voluntary excess (Selbstbeteiligung - see below)
The average premium is around 400 - 700 euros per month (significantly less for students). If you work as an employee, your employer will cover approximately 50% of your contributions, up to a maximum of approximately €385 per month in 2021. If you are self-employed, you will have to cover the entire premium.

optional extras

You also have the option to purchase additional extras, depending on the level of care you want your insurance plan to cover. This could include:

  • Additional dental care, such as a professional dental cleaning
  • private hospital rooms
  • Consulting Physicians
  • Sickness benefit or child sickness benefit
  • Direct access to specialists, instead of having to go through a family doctor
  • Alternative medicine
  • Fixed-rate premiums that won't increase with age
  • Reduced voluntary franchise

Voluntary excess (Selbstbeteiligung)

You can also control the amount of voluntary excess you're willing to pay (that is, the portion of your medical costs you must pay before your insurance company steps in). Having a higher voluntary excess lowers your monthly premium.

family insurance

Although mandatory health insurance plans cover your family and children at no additional cost, private health insurance is usually purchased on an individual basis. If you have a spouse or children who would also like to be covered, you should take this into account when deciding whether to opt for compulsory or private health insurance.

Private health insurance for pensioners.

If you receive a pension but are not entitled to compulsory health insurance for pensioners, you can take out private health insurance for pensioners. If you have a statutory pension, you can ask your pension fund for a contribution to the costs of private health insurance.

Private health insurance card (Card für Privatversicherte)

Once you have registered with your private health insurance company, a private health card (Card für Privatversicherte) will be mailed to you. You don't necessarily have to present this card to your doctor, hospital, dentist, or pharmacy, but because it contains information about you and your health insurance coverage, it will speed appointments and insurance claims if you have it with you. Depending on your insurer, you may need to pay your doctor's fees and prescriptions up front, and then request reimbursement later.

How to change health insurance provider

Your private premiums are likely to increase over time. At some point, you may consider switching to a different private health insurance provider that offers better rates.

If you want to change your health insurance provider, you must give three months' notice at the end of the year (that is, by September 30, 2021, to change providers on January 1, 2022). An exception to this is if your health insurance premiums have increased, in which case you can change providers within two months of being notified of the increase.

To cancel your policy and buy a new one, you must write to your health insurance provider to let them know before you buy a new policy.

Tax deductions for private health insurance

To save taxes, you can claim your private health insurance contributions as tax-deductible expenses on your annual tax return.

sickness benefit

If you are unable to work due to illness, your employer will generally cover your wages for up to six weeks. After that, your private health insurance covers sickness benefit. You can control how much sick pay you want to receive per day and how quickly you want payments made once you're unable to work.

maternity benefit

If you are employed and covered by private health insurance, you are entitled to maternity allowance from the Federal Insurance Office during your statutory maternity leave.

long term care insurance

Since 1995, all private health insurance companies are required to offer long-term care insurance as part of their package.