Health Insurance Comparison for Expats in Germany 2026
Compare over 40 health insurance providers and find the perfect coverage for your situation in Germany – whether you qualify for public (GKV) or private (PKV) insurance.
- Full coverage for dental treatments
- Fast appointments with specialists
- Up to 6 months premium refund
- Free & non-binding comparison
Free & non-binding – takes only 2 minutes
What is your employment status?
This determines which insurance types are available to you.
“With over 1,200 tariff combinations and more than 400 recommended plans, finding the right health insurance requires professional comparison. Independent advice helps you navigate Germany's complex insurance landscape.”— Based on Stiftung Warentest / Finanztest (2025)
Outstanding Health Insurance Coverage
Germany offers one of the world's best healthcare systems. As an expat, you have the opportunity to access premium medical care through the right insurance plan.
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
In Germany, health insurance is mandatory for everyone. The system is divided into public health insurance (GKV) and private health insurance (PKV).
Public insurance (GKV) charges premiums based on your income (around 14.6% of gross salary, split between you and your employer). It offers standardized coverage and free family insurance.
Private insurance (PKV) offers customized plans with premium benefits. Premiums are based on your age, health, and chosen coverage – not your income. Often 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.
Frequently Asked Questions
What is the difference between public and private health insurance?▾
Public insurance (GKV) is income-based. Private insurance (PKV) is available for high earners, self-employed, and civil servants, with premiums based on health and chosen benefits.
Who can switch to private health insurance?▾
Employees earning above €77,400/year (2026), self-employed, freelancers, civil servants, and students at the start of their studies can choose PKV.
How much does health insurance cost for expats?▾
Public insurance costs about 7.95% of your gross salary. Private insurance ranges from €250–600/month depending on age, health, and coverage.
What are the benefits of private health insurance?▾
PKV offers faster specialist access, private hospital rooms, comprehensive dental coverage, alternative medicine, and potential premium refunds.
How long does the comparison take?▾
Our form takes about 2 minutes. An English-speaking advisor will contact you within 24 hours with a personalized comparison – completely free.
What Our Clients Say
Competent and honest advice
“As a British expat, I was lost with the German insurance system. The team found me a PKV plan that saves me €120/month.”
James R.
Berlin
Professional and reliable
“Moving from India was overwhelming. Having an English-speaking advisor made the whole process stress-free.”
Priya S.
Munich
Uncomplicated and transparent
“Honest comparison without sales pressure. They found me excellent dental coverage I wouldn't have found on my own.”
Carlos M.
Hamburg
Health Insurance Comparison 2026
Find the best health insurance for your life in Germany. Free, independent, and tailored to expats.