The Definitive Guide to the Best Health Insurance in Germany

Navigating the health insurance landscape in Germany can seem like a daunting task, particularly for expats. However, with the right guidance, you can easily find the best health insurance coverage to suit your unique needs. In this article, we delve into Germany's top public and private health insurance providers, analyse the largest health insurance company in the country, and discuss the costs associated with health insurance for expats in Germany.

Understanding Germany's Health Insurance System

Germany's health insurance system is characterised by its dual nature, comprising both statutory public health insurance (Gesetzliche Krankenversicherung - GKV) and private health insurance (Private Krankenversicherung - PKV).

Public Health Insurance in Germany

Public health insurance is compulsory for most people living in Germany. It is funded by contributions from insured members and their employers. The benefits of public health insurance are comprehensive, covering preventative care, treatment in case of illness or accident, rehabilitation, and even care in old age.

Best Public Health Insurances in Germany

In Germany, there are several public health insurance providers, and their services vary slightly. Here are the top choices:

1. SBK (Siemens-Betriebskrankenkasse): When it comes to public health insurance, or Gesetzliche Krankenversicherung (GKV), the statutory health insurance fund SBK is among the top contenders. SBK is well-regarded for its high-quality service, comprehensive coverage, and a wide network of doctors and hospitals. They offer personalized care, digital services, and extra benefits like alternative treatments, travel vaccinations, and preventive health checkups.
2. Techniker Krankenkasse (TK): Known for excellent customer service and comprehensive coverage, TK is a favorite among many Germans and expats alike.
3. Barmer GEK: Barmer GEK is another well-respected public health insurance provider. It offers flexible options and additional services beyond the statutory requirements.

Private Health Insurance in Germany

Private health insurance in Germany is typically for high-income earners, self-employed individuals, and certain professionals. It often offers more personalised care and faster access to specialists.

Best Private Health Insurance in Germany

Choosing the best private health insurance in Germany largely depends on your personal needs and circumstances. However, here are some popular options:

1. Gothaer Krankenversicherung AG: Founded in 1820, Gothaer offers a range of insurance solutions, including comprehensive health insurance. Their customisable plans allow you to adjust your coverage according to your personal needs and budget. They are known for their quick appointment scheduling, extensive coverage for treatments, and the option for single-bed rooms during hospital stays. Their strong customer service and commitment to health innovation make Gothaer an excellent option for private health insurance.
2. Hallesche: Hallesche is a reputable insurance provider offering comprehensive insurance packages. They have earned a reputation for their prompt and efficient claims processing, ensuring that policyholders receive timely reimbursements for medical expenses. With a commitment to customer satisfaction, Hallesche strives to provide reliable and comprehensive health insurance coverage.
3. DKV: With a wide range of plans, DKV is particularly suitable for those looking for tailored health coverage.

Understanding Your Options

It's essential to understand that the "best" insurance depends on various factors, including your health, age, income, and employment status. For employed individuals earning less than €69,300 per year (as of 2024), public health insurance is compulsory. Those earning more have the option to choose between public or private insurance.

Health Insurance Costs for Expats in Germany

The cost of health insurance for expats in Germany is based on various factors, including age, income, and whether one opts for public or private insurance. For public health insurance, expect to pay approximately 14.6% of your gross income, with your employer covering half. Private insurance premiums are based on risk factors such as age and pre-existing conditions.

Navigating the health insurance system in Germany may initially seem overwhelming. However, with this information at hand, you are well-equipped to make an informed decision on the best health insurance in Germany that suits your needs.

Choosing between Public and Private Health Insurance

One of the essential decisions you'll make when considering the best health insurance in Germany is whether to opt for public or private coverage. Both systems have their unique advantages and drawbacks.

Public health insurance is generally more affordable and provides broad coverage. You are ensured access to a large network of doctors and hospitals, and your dependents can be covered at no extra cost. However, the public system may have longer waiting times for appointments and treatments.

Private health insurance often allows faster access to specialists and more personalized care. You may also have coverage for more treatment options and higher quality hospital rooms. However, premiums are typically higher and increase with age. Also, unlike public insurance, each family member must be insured separately in a private scheme.

Applying for Health Insurance in Germany

Obtaining health insurance in Germany is relatively straightforward. For public health insurance, you will need to fill out an application form provided by your chosen Krankenkasse. You will then receive your health insurance card, which should be presented whenever you visit a doctor or hospital.

For private health insurance, the application process is slightly more complex. Companies require a detailed medical history, and depending on your age and health status, you may need to undergo a medical checkup. Once your application is approved, you will receive your policy documents and an insurance card.

Frequently Asked Questions

What are the best public health insurances in Germany?

The best public health insurance providers in Germany are subjective and depend on your specific needs. However, SBK is known for its comprehensive coverage and excellent service.

What is the best private health insurance company in Germany?

This depends on your individual needs, but Gothaer Krankenversicherung AG is one well-regarded option for its comprehensive and customisable coverage.

What is the largest health insurance company in Germany?

Techniker Krankenkasse (TK) is currently the largest health insurance company in Germany, in terms of members.

How much is health insurance in Germany for foreigners?

The cost varies widely based on factors like income, age, and whether you choose public or private insurance. On average, public health insurance can cost around 7.3% to 8.2% of your gross income.

Conclusion

Finding the best health insurance in Germany requires some research and an understanding of your specific needs. Whether you choose public or private insurance, ensure it provides the coverage you need at a price you can afford. With the right insurance, you can feel confident in accessing Germany's world-class healthcare system.

Remember that while this guide provides a comprehensive overview, health insurance options can be highly individual. Therefore, it may be beneficial to consult with a professional insurance broker to ensure you're making the best choice for your personal circumstances.