Insurance

From public to private plans, we help you choose the best fit for your life

Private Health Illustation

Private health insurance

We help you to compare options, guide you through the application process, and assist in choosing the best fitting private solution for you.

Public Health Insurance

Public health insurance

We explain how it works and support you in finding the plan that fits your needs best.

Dental Health Insurance

Dental insurance

Implants and crowns can be very expensive in Germany if you are in the public health care system. Dental insurance not only covers most of these costs but also helps cover routine dental care with check-ups, cleanings and treatments.

Supplementary Health Insurance

Supplementary insurance

Depending on your needs, supplementary insurance can cover extra treatments, services, or costs not included in your public health care plan, offering you optimal cover even if yo are not eligible for full private cover.

Public vs. Private health insurance — what’s the difference?

Public

Income-based contributionMonthly cost depends on income (approx. €275–€1,270).

Family includedNon-working spouse and children included at no extra cost.

Longer waiting timesAccess mainly via state doctors/hospitals; treatment priority based on medical urgency.

Standard benefitsStandardized by law; covers medically necessary basic treatments.

No health assessmentPre-existing conditions don’t affect acceptance or contributions.

Private

Risk-based premiumsPrice depends on entry age, health status, and coverage level (income-independent).

Individual coverageSeparate contract per person; premiums are calculated individually.

Faster appointmentsPriority access, typically shorter waiting times, faster specialists and diagnostics.

Customizable benefitsContract-based coverage tailored to needs, from high-deductible to premium plans.

Health assessment requiredMedical history may affect acceptance, pricing, or exclusions.

Income-based contributionMonthly cost depends on income (approx. €275–€1,270).

Risk-based premiumsPrice depends on entry age, health status, and coverage level (income-independent).

Family includedNon-working spouse and children included at no extra cost.

Individual coverageSeparate contract per person; premiums are calculated individually.

Longer waiting timesAccess mainly via state doctors/hospitals; treatment priority based on medical urgency.

Faster appointmentsPriority access, typically shorter waiting times, faster specialists and diagnostics.

Standard benefitsStandardized by law; covers medically necessary basic treatments.

Customizable benefitsContract-based coverage tailored to needs, from high-deductible to premium plans.

No health assessmentPre-existing conditions don’t affect acceptance or contributions.

Health assessment requiredMedical history may affect acceptance, pricing, or exclusions.

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Not sure which one fits you?

Why is health insurance essential in Germany?

Public Health Insurance

Access to healthcare

Only with valid insurance can you easily see doctors, get treatment, and use the German healthcare system without upfront payments whenever you need it.

Private Health Illustation

It's mandatory by law

Health insurance is required by law in Germany. Without it, you can't register, work, study, or get a residence permit to stay in the country.

Legal Expenses Insurance

Financial protection

Medical care can be expensive. Health insurance covers doctor visits, hospital stays, and treatments, protecting you from high unexpected costs.

SIMPLE STEPS
NO MORE STRESS

Describe your caseBook a free call: we speak English, answer all your questions and help you understand your options. Clear guidance and honest advice from the start.

Describe Case

01

Get your optionsWe don’t just show you plans — we compare top providers, explain the pros and cons, and help you choose the best match based on your needs and lifestyle.

Get Options

02

Skip the paperworkNo more stressing over German forms. We take care of the confusing parts, handle communication with providers, and keep you informed about what's happening in every step of the process.

Skip Paperwork

03

Immediate expert supportNeed help right away? Get connected to a qualified advisor now and get the guidance you need. Our team is ready to answer your questions immediately.

Advisor Help

04

What people say about us

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D

Darren S.Navigating German health insurance

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S

SonyaFreelancer

I have receive a very personalized attention since the beginning with a very high professionalism.

J

J.Starting work in Germany

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A

AnonymInternational specialist

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V

Vahid B.Newcomer to Germany