Did you know?

In general a single person pays a lower premium for Private Health Insurance than for Public. A healthy person, 40 years of age will pay approx. € 470.00 per month of which the employer will pay 50%.
Compare: Premium for Public Health Insurance: approx. € 800.00. After employer contribution: approx. € 430.00

Some advantages of Private Health Insurance:

  • worldwide cover and return transport from abroad
  • free choice of doctors, dentists and hospitals
  • refund for glasses
  • refund for psychotherapy
  • refund for approved alternative treatments
  • semi-private or private room in hospital
  • no additional co-payments for medicine and treatments
  • advanced dental care

Private Health Insurance

There are around 32 German Private Health Insurance providers offering approximately 700 different tariffs. They act as state independent commercial enterprises.

Option 1:

Employees with a gross salary over € 59,400 in 2018 AND a global annual gross salary over € 57,600 in 2017 may OPT for PRIVATE or PUBLIC Health Insurance

Option 2:

Employees with previous comprehensive PRIVATE Health Insurance AND earnings shown at Option 1 are obliged to join PRIVATE Health Insurance.

Option 3:

Employees with first-time engagement in Germany AND with an agreed annual gross salary over € 59,400 in 2018 may OPT according to Option 1.

Option 4:

Cohabitants, single housewives/housemen or temporary employees with monthly earnings less than € 450 are obliged to join a PRIVATE Health Insurance, IF they cannot prove a pre-existing EUROPEAN PUBLIC Health Insurance coverage.


Spouse and children with monthly earnings less than € 450 have to be covered separately.

Premiums of PRIVATE Health Insurance are based on age, medical condition and tariff.
The premiums will be calculated separately for each insured person. A medical and dental examination will be requested by most PRIVATE Health Insurance providers before the policy gets effective. Risk-loadings or even refusal of application may be a result hereof!

Once premium is agreed the insurance cannot increase it due to the member’s individual expenses. Annual adaption of premium is based on the development of general health expenses. 
The employer contributes 50% (€ 379.45 at most) to the calculated employee’s premium and those for spouse and children. 

Applicants for a PRIVATE Health Insurance have to prove achievement of current and prior gross income threshold either generated in Germany OR ABROAD.

Income threshold in 2018: € 59,400
Expected and agreed gross salary excluding bonus payments during entire calendar year.
Income threshold in 2017: € 57,600
Gross salary excluding bonus payments generated during entire calendar year.

Persons with first-time engagement in Germany only have to gain threshold for 2018.
Persons with previous European PRIVATE Health Insurance coverage are obliged to join a PRIVATE Health Insurance scheme, if they gained the above stated annual thresholds.

Confirmation of income is to be presented to German employer.

In case of refusal the person to be insured has to join a Private Basic Tariff (“Basistarif”), offering same benefits and premiums as Public Health Insurance.

Once the prospective decided to join Private Health Insurance it is difficult to switch to Public Health Insurance.