Germany’s Dual Health Insurance System
– A Quick Overview
1.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 a good idea to apply before any health concerns arise, since private health insurers typically exclude pre-existing conditions from coverage.
Supplementary Health Insurance
2.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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What My Clients Say
Setting up expat insurance
Mona was genuinely one of the kindest and most patient people I have met. She was recommended to me and took the time to email me a questionnaire, explain a few options, and then she called me via Zoom and helped me set everything up right there and then. I asked a lot of questions as the insurance matters quite a bit for immigration and she was able to comprehensively answer each one.
I highly, highly recommend making your life easier and going with Mona for all insurance needs.
Emma S.
Expert Advice and Outstanding Support
Mona was very professional and friendly with us! Every question we had was answered, we received all the information we need, she has been available to us quickly and to the fullest. I would definitely recommend Mona to anyone that requires help in this field.
Luke T.
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