Germany’s Dual Health Insurance System
– A Quick Overview

Statutory Health Insurance (GKV)

Coverage:
👉 Solid basic coverage without extras
👉 Limited dental benefits
👉 Long waiting times for specialist appointments

Contribution:
👉 Approx. 21% of gross income
👉 50% paid by employer

Eligibility:
✅ Employees
✅ Individuals transferring from another European public health insurance system

Advantages:
✅ Free co-insurance for non-working family members.
✅ Since the premium is income-based, it’s especially affordable for people with lower incomes.
✅ No health check is needed, so it’s a good option for people with pre-existing conditions.

Gaps in coverage (e.g. dental) can be perfectly closed with a supplementary private insurance plan.

💡 Tip: It’s smart to apply before any health problems are diagnosed, because a health check is required.

Supplementary Health Insurance

Private Health Insurance
(PKV)

Changing between systems isn’t simple and can have lasting effects. I’m here to help you make the right decision with expert guidance.

Coverage:
👉 Tailored to your personal needs

Contribution:
👉 Depends on entry age, health status, visa-type and the chosen level of coverage, starting from €150 up to over €1,000
👉 50% paid by employer

Eligibility:
✅ Employees earning above the annual income threshold (in 2025: €73,800)
✅ Self-employed individuals with regular income
✅ Civil servants
✅ Students over the age of 30
✅ People in good health without major or long-term illnesses

Advantages:
✅ Very affordable for young and healthy individuals who value high-quality medical care.
✅ Because the premium isn’t based on income, it’s usually much cheaper for people with higher earnings.
✅ Especially attractive for people who value personalized treatment and alternative healing methods.

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