Public or Private Health Insurance?

Most expats choose the wrong health insurance in Germany. Don’t be one of them.

Make the right choice.

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A patient receiving personalized, high-quality medical care in a calm and modern clinical setting.
A patient receiving personalized, high-quality medical care in a calm and modern clinical setting.
A busy waiting room with many patients waiting for care, illustrating public healthcare demand.
A busy waiting room with many patients waiting for care, illustrating public healthcare demand.

€ 470 / month*

(Private)

€ 1,250 / month

(Public)

*Example values: 30 years old, self-employed, no pre-existing health conditions

Common mistakes expats make with health insurance

A worried man sitting in a doctor’s office while receiving medical results from a doctor, showing concern and stress.
A worried man sitting in a doctor’s office while receiving medical results from a doctor, showing concern and stress.

→ Many only look into it after being diagnosed with a condition.

→Private insurance may then only be possible with higher premiums or restrictions.

A group of people sitting together in a casual setting, discussing and sharing advice, representing informal recommendations.
A group of people sitting together in a casual setting, discussing and sharing advice, representing informal recommendations.
 frustrated man sitting at home, looking at bills and insurance documents while talking on the phone.
 frustrated man sitting at home, looking at bills and insurance documents while talking on the phone.

🧩 Ignoring their personal situation

→ Not considering factors like home country coverage, visa status, and long-term plans.

→ What works for others doesn’t mean it works for you.

💰 Choosing the cheapest option

📉 Waiting too long

→ Without proper advice

→ Later realizing the insurance doesn’t fit their needs.

Find out if you’re eligible for private health insurance

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Not sure what’s right for you?

Send me a message — I’ll get back to you shortly.