Question 1

Do I need health insurance as an expat in Germany?

Accepted Answer

Yes, health insurance is mandatory for all residents in Germany, including expats. You must have either public (GKV) or private health insurance (PKV) from your first day in Germany. Without proof of insurance, you cannot complete your visa registration at the Ausländerbehörde (immigration office). Expats with annual income above €73,800 or self-employed can choose private health insurance, which often offers better service and English-language support.

Question 2

How much does expat health insurance cost in Germany?

Accepted Answer

Private health insurance for expats starts from €217 per month for young, healthy individuals with basic coverage. Comprehensive plans with specialist treatment, private rooms, and dental coverage cost €400-700 monthly. If you're employed, your employer covers approximately 50% of the premium. Self-employed expats pay the full amount but benefit from premium service, no waiting times, and English-speaking doctors.

Question 3

Can I get health insurance with English support?

Accepted Answer

Yes! Many private health insurance providers in Germany offer dedicated English-language customer service. Companies like Ottonova, Allianz, AXA, and DKV provide English-speaking consultants, English documentation, and online portals in English. Our comparison tool connects you with insurance providers that specifically cater to international clients and expats in Germany.

Question 4

What's better for expats: public or private health insurance?

Accepted Answer

For expats earning above €73,800 annually or self-employed, private health insurance (PKV) is often the better choice: faster appointments (often same-day), English-speaking doctors, treatment by specialists and chief physicians, private hospital rooms, comprehensive dental coverage, and better international coverage. Public insurance requires German language skills and offers longer waiting times. PKV provides premium service tailored to international lifestyles.

Question 5

How quickly can I get health insurance in Germany?

Accepted Answer

With our digital comparison service, you can secure expat health insurance within 24-48 hours. The process: 1) Complete online application (10 minutes), 2) Health questionnaire (simplified for expats), 3) Receive quotes from multiple insurers, 4) Digital approval (usually within 24 hours), 5) Start coverage immediately. Many insurers now offer fully digital onboarding in English specifically designed for expats.

Question 6

Will my expat insurance cover me when I travel?

Accepted Answer

Yes! Private health insurance in Germany typically includes worldwide coverage. Most plans cover emergency treatment globally, planned treatments in EU countries, and medical evacuation if needed. This is especially valuable for expats who travel frequently between Germany and their home country. Coverage limits and conditions vary by tariff, so check specific terms in your plan.

Expat Health Insurance Germany

Key German Terms

Compare Expat Health Insurance

Tip for Newcomers

Why Expats Choose Private Health Insurance

English Language Support

English Language Support

Specialist Treatment

Specialist Treatment

Worldwide Coverage

Worldwide Coverage

Premium Healthcare

Premium Healthcare

Nationwide Network

Nationwide Network

Expat-Friendly Process

Expat-Friendly Process

Secure & Trustworthy

Secure & Trustworthy

Tip for Expats: Act Early

Tip for Expats: Act Early

Expat Health Insurance FAQ

Häufig gestellte Fragen

Get Your Expat Health Insurance Today!

Expat Health Insurance Germany

Key German Terms

Compare Expat Health Insurance

Tip for Newcomers

Why Expats Choose Private Health Insurance

English Language Support

English Language Support

Specialist Treatment

Specialist Treatment

Worldwide Coverage

Worldwide Coverage

Premium Healthcare

Premium Healthcare

Nationwide Network

Nationwide Network

Expat-Friendly Process

Expat-Friendly Process

Secure & Trustworthy

Secure & Trustworthy

Tip for Expats: Act Early

Tip for Expats: Act Early

Expat Health Insurance FAQ

Häufig gestellte Fragen

Do I need health insurance as an expat in Germany?Requirements

How much does expat health insurance cost in Germany?Cost

Can I get health insurance with English support?Language Support

What's better for expats: public or private health insurance?PKV vs GKV

How quickly can I get health insurance in Germany?Speed

Will my expat insurance cover me when I travel?Travel Coverage

Get Your Expat Health Insurance Today!