Accident Insurance
Starting From Just
€5.6 per month
Public Health Insurance in Germany
Reliable, Inclusive, Secure
Health Care for Everyone
Public Health Insurance in Germany is a fundamental part of the nation’s commitment to ensuring health care for all its residents.
This system operates under a principle of solidarity, meaning everyone, regardless of income or health condition, is entitled to receive comprehensive medical care.
Why Choose Us
Free Professional Dental Cleaning
Extended Dental Coverage
Cashback Benefit up to 180 Euros per Year
Key Features
- Wide Range of Services
Covers a vast array of medical treatments including general practitioner visits, hospital care, dental care, and prescriptions.
- Income-Based Contributions
Contributions are based on income, ensuring affordability for all segments of the population.
- Supportive Guidance
Provides assistance and guidance through customer service, making health insurance and health care system navigation easier.
Do You Have Any Questions?
Is Public Health Insurance mandatory in Germany?
Yes, it is mandatory for most residents in Germany to have health insurance, either through the public health insurance system (GKV) or private health insurance (PKV).
Who is eligible for Public Health Insurance in Germany?
Employees with an income below a certain threshold (€69,300 in 2024), students, pensioners, unemployed individuals, and certain self-employed people are eligible for Public Health Insurance.
What does Public Health Insurance cover?
GKV covers a wide range of medical services, including doctor visits, hospital treatments, dental care, prescription medications, maternity care, rehabilitation, and preventive health check-ups.
How are Public Health Insurance premiums calculated?
Premiums are income-based, typically around 14.6% of your gross salary, with an additional supplemental contribution set by the individual insurer; employers usually pay half of the premium.
Can family members be covered under Public Health Insurance?
Yes, spouses and children can be covered under a family insurance plan (Familienversicherung) at no additional cost, provided they meet certain conditions.
Are there co-payments or deductibles in Public Health Insurance?
Yes, there are co-payments for certain services, like prescription medications, hospital stays, and specific treatments, but there are no deductibles in the traditional sense.
Does Public Health Insurance cover dental treatments?
Basic dental care, such as routine check-ups, fillings, and certain dental surgeries, is covered. However, more complex or cosmetic procedures may not be fully covered.
Does Public Health Insurance cover vision care?
Basic coverage for vision care, like standard eye exams, is provided, but costs for glasses or contact lenses are usually not covered unless there is a severe vision impairment.
Is there a waiting period for Public Health Insurance coverage to start?
No, coverage generally begins immediately upon enrollment, but specific treatments or procedures may require a referral or prior approval.
Are alternative treatments covered under Public Health Insurance?
Some alternative treatments, like homeopathy or acupuncture, may be partially covered, depending on the insurer and if they are provided by a licensed practitioner.
Does Public Health Insurance cover emergency medical care abroad?
Yes, GKV covers emergency medical care within the European Economic Area (EEA) and countries with bilateral agreements, but coverage may be limited outside Germany.
Does Public Health Insurance cover maternity and childbirth?
Yes, maternity care, including prenatal care, delivery, and postnatal care, is fully covered by public health insurance.
Can self-employed individuals join Public Health Insurance?
Self-employed individuals can join the GKV if they previously had coverage through it, or they may join voluntarily, but premiums will be based on their income.
What is the difference between Public and Private Health Insurance in Germany?
Public Health Insurance offers standardized coverage based on income, while Private Health Insurance offers more flexible, personalized plans with premiums based on age, health status, and coverage level.