Private Health Insurance
Better care. Less waiting. More choice. Premium coverage customized for international professionals living in Germany.
Healthcare coverage for people who want more flexibility.
Private health insurance is an alternative to Germany's public health system and is offered by private insurers. It provides faster access to doctors and hospitals, broader treatment options and additional comfort, while remaining fully recognized for visa and residence permit applications. Unlike public health insurance, contributions depend on your age, health status and selected level of coverage instead of your income.
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Premium comfort
Options such as private hospital rooms, premium services and a higher level of personal care.
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Employer contribution
Your employer contributes 50% of your premium, similar to public health insurance.
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Tailored benefits
Coverage can be shaped around your medical priorities, lifestyle and budget.
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Specialist access
Faster appointments and direct treatment by experienced specialists and physicians.
Get your personal quote
Your details
Compare plans
Book your personal insurance consultation.
Get clear advice tailored to your situation. We'll explain your options, answer your questions and help you choose the right cover.
The application process
Answer a few quick questions
Tell us about your job, income and health. We'll use it to prepare your application.
Start the ProcessWe 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
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If you're young
Private health insurance rewards you with lower contributions when you start early. The younger you are, the lower your contribution.
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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.
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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 public health insurance, each family member needs their own policy under private health insurance. For larger families, this can increase overall costs. For many dual-income households, however, private health insurance can still be a cost-effective option.
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Thinking about retirement?
Private health insurance contributions are based on your tariff rather than your income. Although various mechanisms help reduce costs in retirement, it is important to consider your long-term financial planning before choosing private health insurance.
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Still abroad? No problem!
Apply from anywhere in the world - quick and fully digital.
Let Anna explain
Not sure what's covered, or whether private health insurance is right for you? Anna provides a clear and simple explanation of the German private healthcare system.
Still have questions? Contact our team directly.
A clear introduction to private health insurance in Germany.
Frequently asked questions
The application process only takes a few minutes and can even be completed from abroad. Coverage is usually confirmed within 2-3 days. If your case is extremely urgent, please contact us directly. We will then expedite the process for you.
No, if you apply for private health insurance you will not automatically receive your pension insurance number. In this case you must contact your HR department who will take care of the application for you.
Yes. After some time following the confirmation of your membership, you will receive your health insurance card, which you can present at any doctor's appointment.
As soon as your membership is confirmed, you're immediately eligible to see a doctor or dentist. Just find a local doctor who communicates in the language you're most comfortable with and schedule your visit either by phone or online.
Yes, your spouse and children can be co-insured. Each family member will receive an individual calculation, while newborns are covered free of charge during their first 12 months.
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