Accident Insurance
Starting From Just
€5.6 per month
Private Health Insurance in Germany
Health Protection That Puts You First
Tailored Health Care Solutions
Private Health Insurance in Germany caters to those seeking personalized health care coverage. This option is available for higher-income earners, self-employed individuals, and civil servants.
Why Private Health Insurance
cashback upto 5 months
extensive dental coverage upto 90%
lower monthly premium
Key Features
- Global Coverage
Offers comprehensive health insurance coverage that extends beyond Germany, providing access to medical services and facilities worldwide.
- Faster Doctor appointments
you'll enjoy priority access to medical appointments, ensuring timely healthcare services and superior coverage compared to public insurance, particularly in areas such as dental and vision care.
- Wellness Rewards Program
Offering discounts, cashback incentives, or premium reductions for members who actively engage in preventive care activities, such as fitness programs, annual check-ups, and healthy lifestyle initiatives.
Do You Have Any Questions?
Who is eligible for Private Health Insurance in Germany?
Private Health Insurance is available to self-employed individuals, freelancers, civil servants, and employees with an annual income above a certain threshold (€69,300 in 2024).
Is Private Health Insurance mandatory in Germany?
No, Private Health Insurance is not mandatory, but every resident must have health insurance, either public (GKV) or private (PKV).
What does Private Health Insurance cover?
Coverage depends on the chosen plan but typically includes inpatient and outpatient treatment, dental care, prescription medications, alternative therapies, and sometimes vision care.
Can I switch from Statutory to Private Health Insurance?
Yes, if you meet the eligibility requirements (such as income threshold or self-employment status), you can switch from statutory to private health insurance.
Are pre-existing conditions covered under Private Health Insurance?
Pre-existing conditions may be excluded or may require a higher premium, depending on the insurer’s underwriting policies.
Is there a waiting period for Private Health Insurance coverage?
Yes, many private health insurance plans have waiting periods, particularly for dental treatments, maternity benefits, or pre-existing conditions.
Can I switch back to Statutory Health Insurance from Private Health Insurance?
Switching back is challenging and usually only possible under specific circumstances, such as losing self-employed status or a significant drop in income below the statutory threshold.
Can I customize my Private Health Insurance plan?
Yes, private health insurance plans are highly customizable, allowing you to choose the level of coverage for different types of care, including dental, inpatient, and alternative therapies.
Are family members covered under my Private Health Insurance plan?
Family members are not automatically covered under your private health insurance plan; each member must have their own policy, although family discounts may be available.
Does Private Health Insurance cover dental care?
Yes, private health insurance typically offers more extensive dental coverage, including preventive care, orthodontics, and major dental procedures like implants and crowns.
Can I choose any doctor or hospital with Private Health Insurance?
Private health insurance often allows you to choose any doctor or hospital, including private and specialized clinics, without the need for a referral from house doctor.
Are Private Health Insurance premiums tax-deductible?
Yes, a portion of your private health insurance premiums may be tax-deductible in Germany, depending on the type of coverage and tax regulations.
Does Private Health Insurance cover maternity and childbirth?
Most private health insurance plans cover maternity and childbirth, but waiting periods and specific conditions may apply.