There are two main types of health insurance in Germany: public health insurance (Gesetzliche Krankenversicherung, GKV) and private health insurance (Private Krankenversicherung, PKV).
Public health insurance
Public health insurance is mandatory for all employees in Germany who earn less than €66,600 per year (as of 2023). Self-employed people and students can also choose to join the public health insurance system.
Public health insurance is funded through a combination of contributions from employees and employers. The contribution rate is 14.6% of gross income, with half being paid by the employee and half being paid by the employer.
Public health insurance covers a wide range of medical services, including:
- Doctor’s visits
- Hospital stays
- Prescription drugs
- Preventive care
- Dental care
- Maternity care
Private health insurance
Private health insurance is an option for people who earn more than €66,600 per year (as of 2023), self-employed people, and civil servants. Private health insurance is also an option for people who are not satisfied with the coverage offered by public health insurance.
Private health insurance plans vary in terms of coverage and cost. It is important to compare different plans before choosing one.
Which type of health insurance is right for you?
The best type of health insurance for you depends on your individual circumstances and needs. If you are on a tight budget, public health insurance is a good option. Public health insurance is also a good option if you have pre-existing medical conditions.
If you can afford it, private health insurance may be a good option if you want more comprehensive coverage or if you are not satisfied with the coverage offered by public health insurance.
How to choose a health insurance provider
If you are choosing a public health insurance provider, you have a choice of over 100 different providers. You can compare different providers on the website of the National Association of Statutory Health Insurance Funds.
If you are choosing a private health insurance provider, you have a choice of over 50 different providers. You can compare different providers on the website of the Association of Private Health Insurance Companies.
Tips for getting the most out of your health insurance
- Get to know your coverage: Read your policy carefully and understand what is and is not covered.
- Ask questions: If you have any questions about your coverage, contact your health insurance provider.
- Shop around: If you are not satisfied with your current health insurance provider, you can switch to a different one.
- Use preventive care: Preventive care can help you to stay healthy and avoid expensive medical problems in the future.
Health insurance is an important part of living in Germany. By understanding the different types of health insurance available and choosing the right plan for your needs, you can ensure that you have the coverage you need to stay healthy and happy.