German Health Insurance Setup
Expert guidance to help you understand, compare, and set up the right health insurance for your move to Germany. Public vs. private, students vs. workers, family vs. solo, all covered.
What you get
Mandatory requirement
Health insurance is legally required for everyone living in Germany. You must show proof of coverage for your visa application and residence permit.
Two systems
Germany has two types of health insurance: public (statutory) and private. Each has different eligibility criteria, costs, and benefits.
Comprehensive coverage
German health insurance provides excellent medical care, covering doctor visits, hospital stays, basic dental care, and prescription medications.
Cost structure
Public insurance costs are income-based (about 14 to 15% of gross income). Private insurance premiums depend on age, health status, and desired coverage.
Family coverage
Public insurance often covers non-working spouses and children at no extra cost. Private insurance requires separate policies for each family member.
Multiple providers
Choose from numerous public insurers (TK, AOK, Barmer, DAK) and private companies (Allianz, DKV, Ottonova, Debeka) based on your needs.
Pricing
Insurance premiums are set by the provider, not by us. Our setup assistance is consultation-based: we assess your situation, compare providers, and share a fixed quote during the call.
How it works
Step 1
Personalized consultation
We assess your status (student, worker, family), age, health needs, and budget to recommend the right option.
Step 2
Provider comparison
We compare public and private providers and explain differences in coverage, services, and support.
Step 3
Application and documents
We help you complete the application forms and obtain the insurance documents your visa or residence permit requires.
Apply for Health Insurance for Germany
Submit the form below. Our team will follow up within 60 minutes (working hours) to walk you through public vs. private options and help you complete the enrolment.
