Health Insurance Guide for Immigrants in Germany: Setup & Tips

1. Choosing an Insurance 2. Enrolment 3. Comparison of Providers 4. Notes & Tips

Key Considerations

Financial Situation:

Public insurance is generally more predictable in terms of cost, while private insurance can offer more benefits but at a higher and variable cost.

Health Needs:

Those with specific health needs or preferences for certain treatments might benefit more from private insurance.

Long-Term Plans:

Consider how long you plan to stay in Germany and your family’s healthcare needs.

Age and Health:

Younger, healthier individuals might find private insurance more advantageous, while older individuals might prefer the stability of public insurance.

Which Insurance Applies to Me?

Choosing between public and private health insurance in Germany depends on your employment status, income, and personal preferences. Here's a quick guide to help you determine which type of insurance applies to you:

If you are employed and earn below €66,600 annually

You are generally required to join a public health insurance scheme.

If you are self-employed, a high-earning employee, or a civil servant

You can choose between public and private health insurance. Generally, if you earn above the threshold of €66,600, you have to join a private health insurance.

If you are a student

You can opt for either public or private health insurance, but public insurance is often more affordable.

If you have a family

Consider that public insurance covers family members without additional costs, while private insurance requires separate policies for each member.