EXCLUSIVE Guide: Public vs Private • Expert advice for expats • Mandatory coverage explained • 2M+ customers trust our expertise
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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.
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Gesetzliche Krankenversicherung
Private Krankenversicherung
Enhance your public insurance with additional private benefits. Get dental coverage, private rooms, and alternative treatments.
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.
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EHIC provides temporary emergency coverage but you need proper German insurance for residency registration and employment. EHIC cannot replace mandatory German insurance.
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.
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.
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.
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.
Public insurance covers basic dental care, but for crowns, bridges, and better materials, consider supplementary dental insurance. Private insurance offers better dental coverage.
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