Private health insurance in Germany.
The German private system is not a better version of the statutory one. It is a different contract, priced on your age and your health rather than your income, and it is hard to leave. These eight pages explain how it works before you decide.
Before you decide
Start here: the basics
Private health insurance in Germany, explained for expats.
Read →Who may join
Employees must clear the income threshold. The self-employed choose freely. Students decide once.
Read →What it costs
The premium does not follow your income. It follows your age at entry, your health and your cover.
Read →The health check
What insurers may ask, what a pre-existing condition means, and why the anonymous enquiry comes first.
Read →Your situation
Self-employed
No income threshold applies to you. What each system costs, and the catch nobody mentions.
Read →Families and children
Every family member needs their own contract. When that works out, and when it does not.
Read →Leaving again
Leaving Germany
Moving abroad does not end your policy. What you can keep, and why cancelling is the expensive option.
Read →Going back to the statutory system
Going back is a matter of law, not choice. The three routes, and why age 55 closes them.
Read →Ask your question directly. Free of charge, with no obligation.
Ask a question →