Health Insurance
Germany 2025
Complete Expat Guide
Geprüft Guide: Public vs Private • Expert advice for expats • Mandatory coverage explained • 2M+ customers trust our expertise
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Compare Geprüft Health Insurance Options
Find the perfect health insurance for your situation in Germany
Compare public and private health insurance options in Germany. Our calculator helps you find the best coverage for your needs and budget.
Quick Health Insurance Types:
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Geprüft Health Insurance Types in Germany
Public Insurance (GKV)
Gesetzliche Krankenversicherung
Private Insurance (PKV)
Private Krankenversicherung
Supplementary Health Insurance
Enhance your public insurance with additional private benefits. Get dental coverage, private rooms, and alternative treatments.
Popular Health Insurance Providers
Techniker Krankenkasse (TK)
- ✓ Most popular among expats
- ✓ Excellent digital services
- ✓ English customer support
- ✓ Comprehensive app
AOK
- ✓ Largest public insurer
- ✓ Regional branches nationwide
- ✓ Comprehensive network
- ✓ Strong preventive programs
Barmer
- ✓ Good international coverage
- ✓ Modern mobile app
- ✓ Preventive health programs
- ✓ Telemedicine services
Geprüft Tip for Expats:
Choose your health insurance carefully! Techniker Krankenkasse (TK) is most popular among expats due to their English support and digital services. However, all public insurers offer the same basic coverage - the difference is in service quality and additional benefits.
Essential Guide for Expats
Mandatory from Day 1
- • Health insurance is required before residence registration
- • Cannot get Anmeldung without insurance proof
- • Must choose within 14 days of arrival
- • Avoid gaps in coverage at all costs
Important Warnings
- • EHIC is only for temporary emergencies
- • Foreign insurance usually doesn't qualify
- • Switching from private to public is very difficult
- • Choose carefully - decision affects your future
Step-by-Step for New Arrivals
Assess Your Situation
Employee, self-employed, student, or job seeker?
Check Eligibility
Income level determines public vs private options
Compare Options
Use our calculator to compare providers
Apply Quickly
Submit application within 14 days
Get Coverage Proof
Receive insurance certificate for Anmeldung
Register Residence
Complete Anmeldung with insurance proof
Frequently Asked Questions
Can I use my European Health Insurance Card (EHIC) in Germany?
EHIC provides temporary emergency coverage but you need proper German insurance for residency registration and employment. EHIC cannot replace mandatory German insurance.
What if I already have private insurance from my home country?
Foreign insurance typically doesn't meet German requirements for residency. You'll need German insurance, but may be able to cancel your foreign policy to avoid double coverage.
How do I find English-speaking doctors in Germany?
Many doctors in major cities speak English. Your insurance provider can help locate English-speaking practitioners. TK and other insurers offer online doctor finders with language filters.
What happens if I lose my job? Do I lose my health insurance?
No, you won't lose coverage immediately. If you have public insurance, you'll continue coverage through unemployment benefits. Private insurance holders must continue paying premiums themselves.
Can I switch from private back to public insurance?
This is very difficult and only possible in specific circumstances: becoming an employee earning under €69,300/year, turning 55+ with specific conditions, or through unemployment.
Do I need additional insurance for dental care?
Public insurance covers basic dental care, but for crowns, bridges, and better materials, consider supplementary dental insurance. Private insurance offers better dental coverage.
Get Your Geprüft Health Insurance Quote Now!
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Mandatory Coverage
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