Header Icons 10 - Health Insurance

Health Insurance in Germany

Public, Private & Travel Health Insurances for Germany.

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 Services Page 10 - Health Insurance

HEALTH INSURANCE FOR EMPLOYEES

Since 2009, health insurance is compulsory for the whole population in Germany. This applies to everyone, no matter if you are a German citizen or an non-EU national.

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 under 62,550€ per year?

If you earn less than 62,550€ 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 in 2020.

Are you employed in Germany and earn over 62,550€ per year?

Get free private or public health insurance quotes from an independant and experienced health insurance broker.

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.

Our Services Page 11 - Health Insurance
Our Services Page 11 - Health Insurance

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.

Our Services Page 20 - Health Insurance

HEALTH INSURANCE FOR STUDENTS

As a foreign student enrolled at an officially recognized university in Germany, you must insure yourself with a statutory health insurance if you are under the age of 30 (until you reach your 30th birthday or until your 14th term of study).

After that, you can still choose the public health insurance but on a voluntary basis. Find out if we can help you.

TK Logo - Health Insurance

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 in 2020.

TK Beste Krankenkasse - Health Insurance
TK insurance card - Health Insurance
TK Beste Kasse Studierende - Health Insurance

Expat health insurance starting at €72 a month

University students who are over the age of 30, language students, scholarship holders and doctoral candidates are NOT allowed to sign up for Public Health Insurance.

Instead, those students should sign up for Expat Health Insurance. After they finish their studies and find a job, they can easily switch to Public Health Insurance.

HEALTH INSURANCE FOR VISA & 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 a health insurance that meets the requirements of your visa (and/ or residence permit).

Our Services Page 22 - Health Insurance
Our Services Page 22 - Health Insurance

HEALTH INSURANCE FOR VISA & 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 a health insurance that meets the requirements of your visa (and/ or residence permit).

Are you applying for a German visa or residence permit?

Travel Health Insurance Plans for Employees, Freelancers & Visa/ Residence Permit Holders/ Applicants.

Our Services Page 12 - Health Insurance

TRAVEL INSURANCE FOR GERMANY

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. 

A travel insurance could be the perfect solution for getting your visa quickly & easily accepted. Find out if we can help you.

Travel Insurance Plans

Looking for a fast and easy solution to get your visa accepted?

EXPAT HEALTH INSURANCE IN ENGLISH

Booking doctor's visits in Germany can be daunting, but this private health insurance for expats puts an end to this!

# Appointments with English-speaking doctors booked for you;

# 24/7 specialist support via phone & chat;

# Great coverage & tailored tariffs;

# Zero paperwork, just one app.

Insurance Low Income - Health Insurance
Insurance Low Income - Health Insurance

EXPAT HEALTH INSURANCE IN ENGLISH

Booking doctor's visits in Germany can be daunting, but this private health insurance for expats puts an end to this!

# Appointments with English-speaking doctors booked for you;

# 24/7 specialist support via phone & chat;

# Great coverage & tailored tariffs;

# Zero paperwork, just one app.

Your expat health insurance in English & in one app!

Looking for an affordable German health insurance solution? Start with getting a consultation with an English-speaking expert now!

No paperwork! Special expat rates!

Still some doubts? Request a free consultation with an expert now!

MW is a fully licensed, independent & experienced health insurance broker offering customer-friendly and personalized advice on every aspect of the German health coverage. They can help you find the option that best fits your budget and meets your needs.