Private Health Insurance in Germany

What people say about us

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

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.

SonyaFreelancer

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

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.

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.

Vahid B.Newcomer to Germany

Why smart international residents switch to private insurance

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You might pay less than you think.

Public insurance premiums scale with your income — the more you earn, the more you pay. Private insurance is based on your health profile. If you're young and healthy when you join, your monthly cost is locked in at a lower rate. And it stays that way as you age.

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Better coverage isn't a luxury — it's a different system.

Private patients access the same doctors as everyone else, but without the waiting room. Private wards in hospitals. Direct specialist access. Coverage for treatments public insurance routinely denies.

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Built for your life, not a German citizen's.

Unlike public insurance, many private plans cover treatment internationally. Whether you're visiting family abroad or relocating again in a few years, your coverage travels with you.

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One plan, your rules.

Add the coverage you actually want, vision, dental, alternative therapies, private hospital rooms, and skip what you don't. No standard packages that don't fit your situation.

Check if you qualify before you switch.

Employees usually need to earn above €77,400/year in 2026. Freelancers and self-employed international residents can often join private insurance at any income. We check this first, before you waste time on the wrong route.

Public vs private, explained without jargon.

Public insurance is income-based. Private insurance depends on your age, health profile, and chosen cover. For the right profile, private can mean lower monthly cost, faster appointments, and stronger benefits.

Appointments in days, not months.

Private patients often access specialists much faster than public-insured patients. Same German healthcare system, different door — and we help you choose the plan that fits your real life.

How your life changes with private health insurance

See a specialist next week, not next quarter.

While public insurance patients often wait 3–6 months for specialist appointments, private patients are typically seen within days. Same doctor, different door.

Your plan. Your doctors. Your choice.

Choose any licensed doctor in Germany — no referrals, no gatekeeping. Add dental, physiotherapy, or vision coverage exactly as much as you want.

Covered abroad too.

Many private plans reimburse international treatment costs — ideal if you travel frequently or still visit doctors in your home country.

SIMPLE STEPS
NO MORE STRESS

Tell us about your situation (10 minutes)Share your income, health status, employment type, and what matters most to you. No forms. Just a conversation.

We do the comparison workAs an independent broker, we compare offers from Germany's leading private insurers, no bias, no commissions from a single provider. We find what fits your case.

Plain-language adviceWe walk you through our recommendation, the trade-offs, and the total cost, honestly. If private insurance isn't right for you, we'll tell you.

You're covered (usually within 2–4 weeks)We handle the application and coordination with the insurer. You start receiving better care.

What people say about us

Not sure if private insurance is right for you? Tell us about your situation. We'll compare your options and give you an honest answer, no sales pressure, no obligation.