Comprehensive coverage, no surprises
The public system covers medial necessary measures with equal access for everyone.
Solid, reliable and mandatory: Germany's healthcare standard
Public
Health
Insurance
Gesetzliche Krankenversicherung (GKV) is mandatory for most employees earning below the annual threshold (2025: €73,800). Expats working in Germany or studying long-term are usually required to join.
Family benefits: One plan protects all
Spouses and children without their own income are automatically covered, free of charge. This makes public insurance attractive for families.
Contributions based on income, fair and predictable
You pay a percentage of your income (around 14.6% plus additional contribution), no risk surcharges, no exclusions for pre-existing conditions up to a certain limit (66.150€ in 2025)
Long-term security, simple and stable
Public insurance is designed for life in Germany. It guarantees lifelong coverage and easy access to care, wherever your journey leads within the EU.
Switching or combining: we guide your choice
Switching between public and private is complex. We help you understand the rules and find the best solution for your personal plans.
Focus on what matters. We take care of the process
With us, you get clear guidance through the German system, so you can settle in and feel secure.