Insurance in GermanyComplete Guide for Newcomers 2026
New to Germany? Learn which insurances are mandatory, which are recommended, and how to find the best rates.
Important: Health Insurance is Mandatory!
In Germany, everyone must have health insurance. Without health insurance, you cannot legally reside in Germany. This should be your first priority after arrival.
Insurance Types Overview
Which insurances are important for newcomers?
Health Insurance
MandatoryRequired by law for everyone in Germany
Liability Insurance
RecommendedCovers damages you cause to others
Household Insurance
OptionalProtects your home contents
Car Insurance
Mandatory**Only if you own a vehicle
Disability Insurance
RecommendedProtects against work disability
Legal Protection
OptionalCovers lawyer and court costs
Key German Insurance Terms
Understanding these terms will help you navigate the system
GKV vs PKV - The Difference
GKV - Statutory
- Premium: ~14.6% + additional contribution of gross income
- Employer pays half
- Family covered for free
- Mandatory under 73,800 EUR/year (2026)
PKV - Private
- Premium: based on age and health
- Often better coverage
- Family needs separate insurance
- For self-employed and high earners
Tip for Newcomers
As an employee, you'll typically be automatically enrolled in GKV. Your employer handles the registration. You just need to choose a health insurance provider (e.g., TK, AOK, Barmer). Compare their additional contribution rates first!
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Frequently Asked Questions
What insurance is mandatory?
Health insurance for everyone, car liability for vehicle owners. Others are voluntary but recommended.
GKV vs PKV difference?
GKV: income-based, mandatory under 73,800 EUR/year. PKV: risk-based, for self-employed and high earners.
Do I need liability insurance?
Not mandatory but highly recommended. Covers damages to others from about 5 EUR/month.
Which to get first?
1. Health insurance (mandatory), 2. Liability, 3. Household, then others as needed.
We work with partners including Tarifcheck. This comparison is free and non-binding. Last updated: January 2026. This is not insurance advice.
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