Our Health Insurance Service
No matter whether you are staying abroad for a long term or only for a short break – do not forget that health insurance is compulsory for the whole population in Germany.
On our website, you can find the health insurance option that best fits your budget and meets your needs.
Whether you are employed, studying, holding a German visa or applying for a residence permit — myGermanExpert is the easiest way to get settled in Germany.
Our Health Insurance Service Explained
Public or Private Health Insurance Plans for Employees, Freelancers, Students & Visa Holders.
In brief:
- If you are employed and earn less than 64,350€ a year, you have no choice but choose Public Health Insurance - Sign up with TK for free now! [Add-on: Dental Insurance].
- If you are employed and earn more than 64,350€ a year, we recommend you to choose Private Health Insurance. Get a free quote from an independent insurance broker today!
- If you are unemployed, self-employed or currently looking for a job and you've just moved to Germany from a non-EU country, then you should sign up for Expat Health Insurance (limited to 5 years). Once you have a steady income, you can easily cancel and switch to Public or Private Health Insurance. Get expat health insurance now!
- If you are already a freelancer working in Germany with a steady income (more than 5,400€ a year), take out Private Health Insurance. This is often the only solution you have. Get a free quote from an independent insurance broker today!
- If you need health insurance to get a visa or residence permit then we recommend that you take out Expat Health Insurance. You can cancel anytime. Once you find a job in Germany, you can easily cancel and switch to public health insurance. Get expat health insurance now!
- If you are a university student under the age of 30, be sure to take out Public Health Insurance. TK has an incredibly affordable offer made just for students so be sure to take advantage of it! Sign up here. [Add-on: Dental Insurance].
- If you are in any other situation (job seeker, au pair, holiday workers, language student, guest researcher, tourist, etc.), we recommend that you take out Expat Health Insurance. This will not only make sure that you are covered in case of an accident, but it will also fulfil the legal requirement for living in Germany. You can switch easily to Public or Private Health Insurance at a later stage. Get expat health insurance now!
- Extra:
- Get Private Liability Insurance: It protects you against personal & property damage (third-party liability).
- Take out Home Contents Insurance: All your belongings (home contents) are insured in your main residence.
- Sign up for a Dog Liability Insurance: It covers you against physical or material damages your dog might cause to others.
HEALTH INSURANCE FOR EMPLOYEES
Germany is home two two systems of health insurance: private health insurance and state health insurance. They are both equally valid and run in parallel. Find out if we can help you.
Are you employed in Germany and earn over 64,350€ per year?
If you earn over 64,350€ per year (gross), you are free to choose between public and private health insurance.
Get free private or public health insurance quotes from an independent and experienced health insurance broker.
Are you employed in Germany and earn under 64,350€ per year?
If you earn less than 64,350€ per year (gross), you are required to join a Public Health Insurance fund. You cannot take out private health insurance!
Become a member of TK – the largest health insurance fund in Germany. Fill in the online application in English and become a member of the Techniker Krankenkasse, named Germany’s best health insurance fund for 15 years in a row.
Do you need a Supplementary Dental Insurance?
When it comes to dental treatments, public health insurance generally covers the bare minimum. By signing up for a dental insurance (from only 9€ a month), you'll have access to the best treatments at any time.
This is only available for patients who have public health insurance in Germany.
HEALTH INSURANCE FOR FREELANCERS
What if you work as a freelancer in Germany? Yes, you still have to take out health insurance.
There are three options here. The first involves taking out private health insurance with a German company. The second involves taking out state health insurance with the German state and the third involves taking out insurance with an international company. Find our if we can help you.
HEALTH INSURANCE FOR FREELANCERS
What if you work as a freelancer in Germany? Yes, you still have to take out health insurance.
There are three options here. The first involves taking out private health insurance with a German company. The second involves taking out state health insurance with the German state and the third involves taking out insurance with an international company. Find our if we can help you.
Are you self-employed in Germany?
Free private or public health insurance quotes for freelancers in Germany.
HEALTH INSURANCE FOR STUDENTS
After that, you can still choose the public health insurance but on a voluntary basis. Find out if we can help you.
Become a member of TK
Welcome to TK – the largest health insurance fund in Germany.
Fill in the online application in English and become a member of TK, named Germany’s best health insurance fund for 15 years in a row.
HEALTH INSURANCE FOR RESIDENCE PERMIT HOLDERS
The German Residence Act (Section 5 (1) (1)) states that for a residence permit to be granted, the applicant needs to prove that (s)he will be self-sufficient while staying in Germany.
Section 2(3) of the act states that part of self-sufficiency involves having adequate health insurance coverage.
Find out if we can help you find health insurance that meets the requirements of your residence permit.
HEALTH INSURANCE FOR RESIDENCE PERMIT HOLDERS
The German Residence Act (Section 5 (1) (1)) states that for a residence permit to be granted, the applicant needs to prove that (s)he will be self-sufficient while staying in Germany.
Section 2(3) of the act states that part of self-sufficiency involves having adequate health insurance coverage.
Find out if we can help you find health insurance that meets the requirements of your residence permit.
Are you applying for a German residence permit?
Health Insurance Plans for Employees, Freelancers & Residence Permit Holders Applicants.
HEALTH INSURANCE PROOF [VISA APPLICATION]
For your short-term stay in Germany and other EU countries, opt for a comprehensive cover combining foreign health insurance cover with travel accident cover and travel liability insurance cover.
An expat health insurance could be the perfect solution for getting your visa quickly & easily accepted. Find out if we can help you.
Expat Health Insurance Starting at 72€/Month
Looking for an affordable German health insurance solution? Sign up online today!
100% digital and in English. No paperwork. Special expat rate. Cancel anytime.
Still some doubts? Request a free consultation with an expert now!
BProtected is a fully licensed, independent & experienced health insurance broker offering customer-friendly and personalized advice on every aspect of German health coverage. They can help you find the option that best fits your budget and meets your needs.