Private Health Insurance for Expats in Germany 2026
Compare over 40 private health insurance providers and find premium coverage tailored to your situation – with benefits that go far beyond public insurance.
- Full coverage for dental treatments & implants
- Fast appointments with top specialists
- Up to 6 months premium refund
- Free & non-binding comparison
Why Choose Private Health Insurance?
Germany offers one of the world's best healthcare systems. As an expat earning above the JAEG threshold (€77,400/year in 2026), you have the opportunity to access premium medical care through private health insurance (PKV).
Our independent comparison helps you find the optimal plan with the best price-performance ratio – tailored specifically to your situation as an expat in Germany.
Individual Needs Analysis
We analyze your specific situation – employment status, income, family, and health needs – to find insurance plans that truly fit your life in Germany.
Strong Contract Terms
We compare the fine print so you don't have to. Our experts focus on plans with excellent coverage terms, low deductibles, and fair premium development.
Support When You Need It
Our English-speaking advisors support you throughout the process – from initial comparison to claims assistance. We're here for the long term.
Public vs. Private Health Insurance
| Feature | Public (GKV) | Private (PKV) |
|---|---|---|
| Monthly premium basis | % of income | Age, health & coverage |
| Specialist access | Weeks to months | Days to 1 week |
| Hospital room | Shared room | Private/semi-private |
| Dental coverage | Basic (50-60%) | Comprehensive (80-100%) |
| Vision & alternative medicine | Limited | |
| Premium refund possible | ||
| Family insurance (free) | ||
| Income-independent premiums | ||
| Employer contribution | 50% automatic | 50% up to GKV max |
How Private Health Insurance Works for Expats
In Germany, health insurance is mandatory for everyone. The system is divided into public health insurance (Gesetzliche Krankenversicherung, GKV) and private health insurance (Private Krankenversicherung, PKV).
Who qualifies for PKV: Employees earning above €77,400/year (2026 JAEG threshold), self-employed professionals, freelancers, and civil servants can choose private health insurance.
How premiums work: Unlike public insurance, PKV premiums are based on your age at entry, health status, and chosen coverage level – not your income. This often means better coverage at a lower price for young, healthy professionals.
With more than 40 providers and over 1,200 tariff combinations, finding the right plan requires expert guidance. Our free comparison saves you time and money.
Personal Price-Performance Comparison
Tailored to your exact situation and needs.
40+ Providers Compared
All major insurance companies in one comparison.
Best Coverage at the Lowest Price
We focus on plans with excellent value for money.
Transparent Service
No hidden fees, no obligations – just honest advice.
Guaranteed Free & Non-Binding
Your personal comparison comes at no cost to you.
Personal Advice That Really Helps
With over 15 years of experience in the German insurance market, our team of English-speaking advisors helps you navigate the complex healthcare system. Start your free comparison today.
Get Your Personal Health Insurance Comparison
Answer a few quick questions and receive a personalized comparison within 24 hours – completely free and non-binding.
Free & non-binding – takes only 2 minutes
What is your employment status?
This determines which insurance types are available to you.
Frequently Asked Questions
What is the difference between public and private health insurance in Germany?▾
Germany has a dual system: Public health insurance (GKV) is income-based and mandatory for employees earning below the threshold (€73,800/year in 2025, €77,400/year in 2026). Private health insurance (PKV) is available for high earners, self-employed, and civil servants, with premiums based on health status and chosen benefits rather than income.
Who can switch to private health insurance (PKV)?▾
You can switch to PKV if you are: (1) employed with a gross income above €77,400/year (JAEG threshold 2026), (2) self-employed or freelancer, (3) a civil servant (Beamter), or (4) a student at the start of your studies. Once in PKV, switching back to GKV is limited.
How much does private health insurance cost in Germany?▾
PKV premiums vary based on age, health status, and chosen benefits. Young, healthy professionals often pay less than in GKV while getting significantly better coverage. Typical monthly premiums range from €250 to €600+, depending on coverage level. Our free comparison helps you find the best price-performance ratio.
What are the benefits of private health insurance?▾
PKV offers: faster access to specialists, private or semi-private hospital rooms, comprehensive dental coverage including implants, premium vision care, alternative medicine coverage, and potential premium refunds if you don't file claims. Many employers also contribute 50% to your PKV premium.
Can I switch back to public health insurance from PKV?▾
Switching back to GKV is possible but restricted: you must be under 55 years old and your income must drop below the JAEG threshold (€77,400 in 2026) for at least 12 months. Self-employed individuals can switch back by taking up employment below the threshold.
How long does the comparison take?▾
Our online form takes about 2 minutes to complete. After submitting, an English-speaking advisor will contact you within 24 hours with a personalized comparison of suitable health insurance plans – completely free and non-binding.
What Our Clients Say
Competent and honest advice
“As a British expat, I was completely lost with the German insurance system. The team explained everything clearly and found me a PKV plan that saves me €120/month compared to my initial quote.”
James R.
Berlin
Professional and reliable
“Moving from India to Germany was overwhelming. Having an English-speaking advisor who understood both my needs and the German system made the whole process stress-free.”
Priya S.
Munich
Uncomplicated and transparent
“I appreciated the honest comparison without any sales pressure. They found me excellent dental coverage that I wouldn't have found on my own. Highly recommended!”
Carlos M.
Hamburg
Private Health Insurance Comparison 2026
Find the best private health insurance for your life in Germany. Free, independent, and tailored to expats.