Private health insurance in Germany
Unlike state insurance, private health insurance in Germany allows you to tailor your tariff to your individual needs.
The advantages of private insurance, depending on the tariff, include services such as: free choice of the attending physician, choice of hospital bed, for example in a single room, or coverage of the costs of alternative treatment.
Who can switch to private insurance?
If you're a civil servant, entrepreneur, or freelancer, you can join a private insurance plan regardless of your annual income. However, if you're employed, your annual income in 2023 must exceed €66,600 gross to be eligible for private insurance and enjoy the benefits it offers. private health insurance in Germany.
However, if you want to remain in the public insurance company or you have to because your income as an employed person does not exceed €66,600 per year, you can purchase additional private insurance.
What does private health insurance offer in Germany?
Private health insurance companies offer coverage across five sectors. When choosing private health insurance in Germany, you can decide which of these to include in your contract:
1. Outpatient care
2. Hospital care
3. Dental care
4. Krankentagegeld
5. Pflegeplichtversicherung
Outpatient care with private insurance
- choice of any doctor in any specialization, also without a referral
- use of all known treatments and medications
- valid in Europe or worldwide
- massages, glasses, contact lenses, hearing aids at no extra charge
Hospital care with private insurance:
- free choice of hospital where treatment is to take place
- no hospital fees
- treatment conducted by the head of the department
- a place in a hospital in a single or double room
Dental care covered by private health insurance:
- up to 100% reimbursement of dental treatment costs
- up to 90% reimbursement of costs for dentures, implants, crowns and other materials improving the aesthetics of the oral cavity
- up to 90% reimbursement of costs for surgical procedures
- no restrictions on treatment methods
Private health insurance comparison – How to find the right tariff?
Free afterThe grader will help you choose the right insurance. Thanks to it, we will find a tariff that will suit our needs. Private insurance companies compete with each other for customers, so it's worth using such comparison sites. Some insurance companies offer special rates for families or students.
How are private health insurance premiums calculated?
Unlike state insurance companies, the premium amount is not dependent on the insured's income but is based on the individual's personal data at the time of contract conclusion. These data include age, health status, lifestyle, and so on. The lower the risk of illness, the lower the insurance premium.