Private Health Insurance
Better care. Less waiting. More choice.
Private health insurance
is an alternative to the public health system offered by private insurers in Germany. Instead of income, contributions depend on your age, health status, and the coverage you choose. This allows for more flexibility and often faster access to doctors, hospitals, treatments and additional comfort such as private hospital rooms. Private insurance is an option if your income is above the legal threshold or if you are self-employed. It ensures full legal compliance, is fully recognized for all visa and residence permit applications, and can provide broader benefits compared to the public system.
Premium care at lower cost
With private insurance, you often pay less than in public while enjoying a higher level of coverage and premium medical services.
Fast-track access to doctors
As a private patient you can choose between public and private doctors and get quicker access to the care you need.
Worldwide coverage
Enjoy global protection with private health insurance. Choose the plan that matches your lifestyle, from basic to premium.
Private Health Insurance
Calculate your monthly contribution
Your details
Do you need help or advice? Just get in contact with us.
Health insurance comparison
The application process
Answer a few quick questions
Tell us about your job, income and health. We'll use it to prepare your application.
We prepare your application
We pre-fill all forms, request anything missing (e.g. health details) and keep you posted, no paperwork on your side.
Final review & signature
You receive your final offer and documents by email. Review them, ask questions if you like and sign it.
Submission & confirmation
We submit everything and handle the insurer’s confirmation. It usually arrives within a few days, complex medical cases can take longer.
When private fits best
If you're young
Private health insurance rewards you with lower contributions when you start early. The younger you are, the lower your contribution.
If you're in good health
With good health, you benefit from the best rates and comprehensive coverage. Pre-existing conditions, however, may result in higher costs or exclusions.
If both partners work
Dual-income households benefit from private insurance. Each partner receives individual coverage while both enjoy employer contributions, making it more affordable than public insurance.
You know what’s covered – apply now.
Enjoy the security of knowing your health insurance is in place.
What to consider before going private
Planning to start a family?
Unlike in the public system, spouses and children are not automatically insured free of charge under private health insurance. Each family member requires their own policy and contribution. This can become expensive if only one partner has an income. However, for dual-income households, private insurance often remains a cost-effective solution with high-quality benefits.
Thinking about retirement?
When you retire, certain surcharges such as the 10% statutory surcharge or contributions for income protection no longer apply. Still, private insurance is often more costly than public insurance in retirement, since contributions are based on your chosen tariff and not linked to income. That’s why it’s important to plan ahead and think early about how you will cover contributions later in life.
Why CAPE?
Best pre-selected coverage
Choose one of the best tariffs on the market, carefully selected to provide optimal protection.
Easy digital signup
Do you prefer a simple process? Everything is handled fully digital, no paperwork, everything in English.
Personal support
Your personal advisor is always at your side, ready to help with any questions or concerns.
Let Anna explain
Not sure what’s covered or if private health insurance is the right option for you? Anna explains everything you need to know about the private health system, clear and simple.
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Meet Anna, Your Virtual Assistant
Anna was created to guide you through your visit to our website and provide clear, detailed explanations of any insurance you're interested in.
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Frequently asked questions
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