German Health Insurance Setup
Expert guidance to help you understand, compare, and set up the right health insurance for your stay in Germany.
Health Insurance in Germany
Understanding the German health insurance system and requirements for international students and workers.
Mandatory Requirement
Health insurance is legally required for everyone living in Germany. You must show proof of coverage for your visa application and residence permit.
Two Systems
Germany has two types of health insurance: public (statutory) and private. Each has different eligibility criteria, costs, and benefits.
Comprehensive Coverage
German health insurance provides excellent medical care, covering doctor visits, hospital stays, basic dental care, and prescription medications.
Cost Structure
Public insurance costs are income-based (about 14-15% of gross income), while private insurance premiums depend on age, health status, and desired coverage.
Family Coverage
Public insurance often covers non-working spouses and children at no extra cost, while private insurance requires separate policies for each family member.
Multiple Providers
Choose from numerous public insurers (TK, AOK, Barmer, etc.) and private companies (Allianz, DKV, etc.) based on your specific needs and circumstances.
Public vs. Private Health Insurance
Compare the two main types of health insurance available in Germany.
Public Health Insurance
Public health insurance (gesetzliche Krankenversicherung or GKV) is the statutory system that covers about 90% of people in Germany.
Key Features:
- Fixed standard coverage mandated by law
- Income-based premiums (14-15% of gross income)
- Covers non-working dependents at no extra cost
- Special student rates until age 30
- No health checks or pre-existing condition exclusions
- Available to everyone regardless of income
Popular Public Insurers:
TK (Techniker Krankenkasse)
Popular among international students with excellent English support and digital services.
AOK
Germany's largest insurer with regional offices throughout the country.
Barmer
One of Germany's largest insurers with good additional benefits.
DAK-Gesundheit
Nation-wide provider with comprehensive services and support.
| Feature | Public Insurance | Private Insurance |
|---|---|---|
| Eligibility | Everyone | Income above €66,600/year, self-employed, civil servants |
| Cost Basis | % of income (capped at maximum contribution) | Age, health status, and coverage level |
| Student Rates | Special reduced rates until age 30 | Special student plans available |
| Doctor Selection | Any doctor accepting public insurance | Wider selection of doctors and specialists |
| Waiting Times | Can be longer for specialists | Usually shorter |
| Family Coverage | Non-working dependents included at no extra cost | Separate policies required for each person |
Our Health Insurance Setup Service
We provide personalized guidance to help you navigate the German health insurance system.
Personalized Consultation
We'll assess your specific situation, including your status (student, worker, etc.), age, health needs, and budget to recommend the best insurance option for you.
Provider Comparison
We'll help you compare different insurance providers, explaining the differences in coverage, services, and support to find the best match for your needs.
Application Assistance
Our team will guide you through the application process, helping you understand and complete all required forms and documentation correctly.
Document Support
We'll help you obtain the necessary insurance documents for your visa application or residence permit, ensuring everything meets German requirements.
Provider Communication
Our multilingual team can communicate with insurance providers on your behalf, resolving any issues that arise during the application process.
Long-term Support
We remain available to help with questions or issues that may arise after your insurance is set up, providing ongoing support throughout your time in Germany.
Service Pricing
Customized assistance based on your specific insurance needs and situation.
Personalized Service
Our health insurance setup service is tailored to your specific situation and requirements. During our consultation, we'll discuss your options and provide a quote based on your needs.
Initial consultation and needs assessment
Provider comparison and recommendation
Application form assistance
Document review and preparation
Provider communication support
Ongoing assistance throughout the process
For pricing information specific to your situation, please request a consultation with our team.
Frequently Asked Questions
Find answers to common questions about health insurance in Germany.
Health Insurance FAQs
Everything you need to know about setting up health insurance for your stay in Germany.
Ready to Set Up Your Health Insurance?
Our experts will help you navigate the German health insurance system and choose the best option for your needs.