Health insurance Germany

Health Insurance in Germany

Health Insurance in Germany is crucial. When living in Germany you need to be insured against medical treatments and emergencies. Let me explain to you how Health Insurance in Germany works and let me introduce you to an insurance company that is not only the largest public insurance provider in Germany but has been named Germany’s best insurance fund by Focus Money business magazine for many years: Techniker Krankenkasse (TK). 

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How does Health Insurance work in Germany?

In Germany you have the option of private or public Health Insurance. EU citizens staying in Germany for a brief period can go for health coverage within the type of a ecu Healthcare Insurance Card or EHIC. This card must be issued by an applicable EU country.

When you are a resident in Germany, its compulsory that you get a Health Insurance card.

Public Health Insurance Germany

Health insurance Germany TK

Public insurance in Germany referred to as “Gesetzliche Krankenversicherung” (GKV) or statutory health insurance. Today almost 90 percent of the country’s population comes under the coverage of this statutory health insurance.

This automatically covers paid employees, including apprentices and vocational trainees, who have an income of up to 64,350 Euro per annum. Those earning above this limit may choose to stay with the public insurance. As an employee, you’ve must contribute 7.3 percent of your gross salary to public health insurance costs. Your employer pays half of your contribution. If you are self-employed you’ll pay the whole contribution of 14.6%.

Private Health Insurance Germany

Private Health insurance Germany

Private insurance in Germany or “Private Krankenversicherung” (PVK) take age and health conditions as factors to determine the price of this insurance. The coverage and price of the private insurance system vary. About 10 percent of Germany’s population have private health insurance.

Like public insurance, within the case of personal insurance, also the contribution is equally divided between the employer and therefore the employee. Again, self-employed individuals need to pay the total amount towards the insurance cost.

You can select which kind you’d prefer if your annual income is above 64,350 Euro pa or 5.362,50 Euro per month (Pflichtversicherungsgrenze in 2021) p.a.. Self-employed individuals and civil servants also can avail of this choice.

Which Health Insurance is better in Germany?

TK Health insurance for expats

For expats, public insurance is usually the safe option.

There are a lot of public health insurance companies and not every company caters to expats in English. That’s where Techniker Krankenkasse comes into play.

Over 10 million people in Germany have their Health Insurance from Techniker Krankenkasse. And – most important for you: It’s one of the top providers for English speaking expats.

Health insurance Germany English

TK insurance in Germany offers several advantages, such as:

  • Online registration – quick and straightforward process
  • Freedom to choose a doctor of your choice reckoning on your need.
  • Insurance coverage for all members of your family while TK charges you for only 1 contribution.
  • Avail TK benefits once you jaunt other European countries in addition.
  • Avail of treatment at several hospitals across Europe by just showing your TK insurance card.
  • Opt for an array of therapies and treatment from specialists for a number of health issues that range from outpatient surgery to chronic diseases.
  • Since the full application process for obtaining insurance is in English, you’ll easily follow every aspect of the procedure.
  • The company offers a good type of health classes to assist you lead a healthy life.
  • You can avail of any service from the corporate through the TK-App, a mobile application.

get more information and a quote in English


Please note: I am no doctor or medical expert. The content of this article reflects my personal view. Though I do write my posts with the most care I cannot be made responsible for mistakes or misunderstandings. 

*Affiliate link means that when you get the health insurance from TK after following the link provided in this article I get a compensation by TK. Your rate is not effected. This compensation helps me to maintain my blog. Thank you for your support 🙂