Understanding health insurance in Germany: GKV, PKV, and supplementary insurance for expatriates

When moving to Germany, it is crucial to understand the options available for your health insurance. Here is an overview of the main health insurance options in Germany to help you choose the coverage that best suits your situation.

Public health insurance (GKV)

Public Health Insurance (Gesetzliche Krankenversicherung, or GKV) is mandatory for employees whose annual income is below approximately €66,600 in 2024. Contributions are based on your income and are shared between the employer and the employee. The GKV covers a wide range of benefits, including medical consultations, hospital stays, medications, and preventive care. It is also available to students, retirees, and unemployed individuals.

Private health insurance (PKV)

In contrast, Private Health Insurance (Private Krankenversicherung, or PKV) is available to employees whose income exceeds the threshold, as well as to self-employed individuals and civil servants. PKV premiums are calculated based on age, health status, and chosen benefits, providing more personalized coverage but often at a higher cost. PKV can also offer additional services, such as enhanced dental care or private hospital rooms.

Supplementary insurance

To complement your primary coverage, you can purchase supplementary insurance. This can cover additional expenses such as dental care, optical care, or private hospital rooms. Using online comparison tools or consulting a specialized broker can help you find the insurance that best meets your specific needs.

Registration process

To register for health insurance in Germany, you will need to provide the following documents:

• An identity card.

• An address in Germany.

• An employment contract or proof of income.

• Proof of previous insurance, if applicable.

Conclusion

It is essential for expatriates to understand the differences between GKV and PKV, assess their specific needs, and check the exclusions or waiting periods of private insurance.

Contact us today to get personalized advice on your health insurance in Germany and find the coverage that perfectly meets your needs.