The freedom to choose what fits you
Private health insurance is available for self-employed expats, high earners (2025: from €73,800/year), or those staying in Germany temporarily.
Tailored for your journey
Private Health
Insurance
Health is personal and we are offering the best coverage for you. Whether you’re moving to Germany or starting a new chapter abroad, we help you find the private health insurance that fits your needs, your family, and your plans. With access to top international providers, we ensure you’re protected. Wherever life takes you.
Private vs Public Health Insurance Comparison (2025)
Feature
Smart tariff
Premium tariff
Incoming tariff
Sick Pay Allowance
€3,900 (recommended €130/day)
€3,900 (recommended €130/day)
Customizable up to €3,900
Worldwide Coverage
Vacation & abroad outpatient/inpatient, dental emergencies, return transport
Vacation & abroad outpatient/inpatient, dental emergencies, return transport
Vacation & abroad outpatient/inpatient, dental emergencies, return transport
Inpatient Stay
2-bed room & senior consultant
1-2 bed room & senior consultant
1-2 bed room & senior consultant
Bonus Payment
Annual bonus up to €600
Annual bonus up to €1,200
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Service
English documents & support
English documents & premium service
English documents & support
Dental
Treatment, dentures, children’s orthodontics; cleaning up to €40
Full cost via DentNet; orthodontics coverage
Treatment & dentures up to €1,500
Vision
Glasses & lenses up to €300 every 2 years
Glasses & lenses up to €600 every 2 years
Glasses & lenses up to €250 every 2 years
Health & Wellbeing
Spa, sanatorium, psychotherapy
Spa, sanatorium, psychotherapy, deductible screenings
Spa, sanatorium, psychotherapy
Childcare Allowance
€100/month
€100/month; osteotomy subsidy €120
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Family Coverage
Free for dependents
Free for dependents
Free for dependents
Best health insurance coverage in Germany
Benefit from fast access to specialists, dental care, preventive check-ups, and worldwide coverage, designed to keep you safe, wherever you are.
Plans that match your journey
Short-term stay or plan for the long term? We help you find the right coverage: flexible for a few years or full protection for the long run.
Because your family matters
Your partner and children can be covered too, with individual plans that protect what’s most important.
Focus on your journey. We’ve got you covered.
Our experts guide you to the best solution, so you can enjoy your new chapter with peace of mind.
Flexibility to adapt as your life changes
Private plans can be adjusted, if your income, family situation, or country of residence changes. We make sure that your coverage will be adjusted as well.
Cost transparency: Know what you pay for
Private health insurance offers clear cost structures. Premiums depend on age, health status, and chosen benefits, no hidden fees.
Switching to public insurance: Is it possible?
Once privately insured, switching back is limited. We explain your options upfront, so you make a decision that fits your long-term plans.