Health public insurance vs Health private insurance
We offer you the possibility of having more information about how much private insurance costs approximately compared to public insurance.
Please keep in mind that this private health insurance can only be accessed by people who have a gross monthly salary of more than €6150 (or if the gross monthly salary is less than this figure but you receive a bonus or additional payment during the year and, together, the total salary is over €73800).
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Private Health Insurance in Germany
If you’d like to learn more about private health insurance in Germany, you can visit our page dedicated to this topic. We explain what it is, who can access it, answer frequently asked questions from our clients, and highlight the benefits of choosing this insurance option.
We also offer free advice and provide clear answers to any questions or concerns you might have about private health insurance in Germany.
How to Choose Between Public and Private Health Insurance in Germany
Germany offers two main types of healthcare coverage: public health insurance (Gesetzliche Krankenversicherung – GKV) and private health insurance (Private Krankenversicherung – PKV). Both options have advantages and drawbacks depending on factors such as your income level, personal needs, and employment situation.
Public Health Insurance in Germany
Public health insurance is mandatory for most residents in Germany and is regulated by the government. Key features include:
- Costs: Contributions are based on a percentage of your gross salary, up to a maximum limit. As of 2024, this percentage is approximately 15% of your gross income.
- Coverage: Includes general medical services, hospitalization, and basic medications. Family members without income (such as spouses or children) are usually covered at no extra cost.
- Eligibility: Most salaried employees are required to join the public system unless they meet certain criteria to qualify for private insurance.
Private Health Insurance in Germany
Private health insurance provides greater flexibility and additional services but requires a higher financial commitment. Key features include:
Costs: Premiums are not based on income but instead on factors like age, health status, and the chosen level of coverage. For certain individuals, it can offer significant advantages, both in terms of medical care and cost savings.
Advantages:
- Priority access to medical appointments and specialists.
- Options for private hospital rooms.
- Customizable coverage tailored to your needs.
Comparison of Public and Private Health Insurance
ASPECT | PUBLIC INSURANCE (GKV) | PRIVATE INSURANCE (PKV) |
MONTHLY COST | Based on salary | Based on age and health. Depending on circumstances, it can be cost-effective and highly advantageous. |
FAMILY COVERAGE | Included at no additional cost | Individual payment, but with options for personalized family coverage. |
ACCESS TO SPECIALISTS | Standard | Priority access with shorter wait times and direct specialist selection. |
FLEXIBILITY | Limited | High, allowing exclusive and customizable coverage options. |