Your trusted resource for private health insurance in Germany. Whether you're an expatriate, student, freelancer, or family, discover how PKV can provide premium healthcare tailored to your needs.
What Is Private Health Insurance (PKV) in Germany?
In Germany, healthcare is divided into two primary systems: public health insurance (Gesetzliche Krankenversicherung, GKV) and private health insurance (Private Krankenversicherung, PKV). While public insurance covers the majority of residents, PKV offers a premium alternative designed for individuals seeking customized healthcare plans with added benefits.
PKV provides faster access to specialists, private hospital rooms, comprehensive dental coverage, and even international health insurance options. It's a popular choice for expatriates, freelancers, and high-income earners who prefer personalized healthcare services.
Why Choose Private Health Insurance (PKV) Over Public Insurance (GKV)?
Private health insurance in Germany comes with several advantages that make it the preferred choice for many:
- Enhanced Coverage: Access to private doctors, shorter waiting times, and a wider range of treatments, including alternative medicine.
- Customizable Plans: Tailor your coverage to include benefits like advanced dental care, optical treatments, and mental health services.
- International Coverage: Ideal for expatriates and frequent travelers, PKV often includes global health insurance options.
- Fewer Restrictions: Choose from a broader selection of doctors and specialists, many of whom may not accept public insurance.
While public health insurance is cost-effective for families and lower-income individuals, PKV is ideal for young professionals, freelancers, and those who value premium healthcare.
Who Qualifies for Private Health Insurance in Germany?
Eligibility for PKV depends on your income and employment status:
- Employees: If you earn above the annual salary threshold (€69,300 in 2024), you can switch from public to private health insurance.
- Freelancers and Self-Employed: You are not restricted by income and can directly choose PKV.
- Expatriates: Many expats in Germany prefer PKV for its superior benefits and international coverage.
- Students: International students over 30 or pursuing a second degree often opt for affordable private insurance plans.
How Much Does Private Health Insurance in Germany Cost?
The cost of PKV varies based on factors like age, health, and coverage level. On average, premiums range from €300 to €800 per month. Younger and healthier individuals often enjoy lower premiums, making PKV an attractive option for young professionals and students.
Unlike public insurance, PKV is not income-based. Instead, you pay for the benefits you select, giving you greater control over your healthcare spending.
How to Apply for Private Health Insurance in Germany
Getting private health insurance in Germany involves the following steps:
- Compare Providers: Research reputable companies like Allianz, Mawista, and Bupa to find the best plan for your needs.
- Assess Your Coverage Needs: Decide what benefits are essential, such as dental care, vision, or international coverage.
- Consult a Broker: Insurance brokers can guide you through the process and help you find the most suitable plan.
- Submit Your Application: Provide necessary documents, including proof of income and health status.
- Review Your Policy: Understand the terms and conditions before signing.
Top Private Health Insurance Providers in Germany
Germany has many reputable private health insurance companies. Some of the best-known providers include:
- Allianz: Offers comprehensive coverage and excellent customer service.
- Bupa: Known for international health insurance options.
- Mawista: Specializes in insurance for students and expatriates.
Each provider offers unique plans tailored to different needs, so it’s essential to compare your options before deciding.
FAQs About Private Health Insurance in Germany
Looking for quick answers? Visit our FAQ page for detailed information on eligibility, costs, and more.