How much does private health insurance in Germany cost?
Find out the price of private health insurance for employees and how much your employer pays. Calculate your tariff in seconds and compare the best options.
Consulta las tarifas
Introduce tu año de nacimiento y accede al comparador con el cálculo de precios.
Discover the rates of your private health insurance in Germany in seconds.
How the cost of private health insurance is calculated
The price of private health insurance in Germany depends on several factors, but for employees it is usually a very attractive option. Unlike public health insurance, the cost is not calculated based on your salary, but on your personal profile and the coverage you choose.
In addition, if you are an employee, your employer pays around 50% of the monthly contribution, which can make private health insurance even cheaper than public in many cases.
On this page we explain how much private health insurance in Germany costs, what affects the price and how to calculate your exact tariff.
In many cases, the real cost for the employee can end up clearly below public health insurance thanks to the employer's contribution. The cost is not calculated based on your salary, but on your personal profile and the coverage you choose.
Private health insurance price in Germany for employees
The cost varies depending on age, coverage and the deductible you choose. As an employee, you will usually pay only half, since your employer covers the rest.
25 – 30 years
250 € – 350 €
total monthly contribution
Your approximate share
125 € – 175 €
30 – 35 years
300 € – 420 €
total monthly contribution
Your approximate share
150 € – 210 €
35 – 45 years
350 € – 500 €
total monthly contribution
Your approximate share
175 € – 250 €
Over 45 years
From 420 €
total monthly contribution
Your approximate share
From 210 €
How much does your employer pay towards private health insurance?
If you work as an employee in Germany, your employer contributes towards the cost of private health insurance. In general, your employer pays around 50% of the cost, up to a maximum set by law. The contribution to long-term care insurance is also included.
This means that if your insurance costs, for example, 400 € a month, your real cost could be around 200 € a month. This contribution is one of the reasons why many employees opt for private health insurance.
Factors that affect the price of private health insurance
The price of private health insurance in Germany is not the same for everyone. It is calculated individually based on your profile and the coverage you choose.
Age
The younger you are when you sign up, the cheaper it usually is. Age is one of the most important factors in calculating the price.
Younger = better priceChosen coverage
You can choose different levels of coverage, such as a private room, better dental benefits or extended access to specialists.
More coverage = higher costDeductible
The deductible is the part of the expense you cover yourself before the insurance covers the rest. A higher deductible usually reduces the monthly contribution.
Higher deductible = lower contributionProfession
Some professions have more favourable risk profiles than others, which can affect the final price of the insurance.
Occupational risk mattersState of health
Before you sign up, the insurer assesses your medical situation. Depending on the case, this can affect the price or the conditions.
Your health profile countsDaily sickness benefit
You can add financial coverage in case of sick leave. This option increases the price but provides more security.
More protection = higher contribution
Is private health insurance cheaper than public?
In many cases, private health insurance can be cheaper than public, especially for employees with high incomes or younger profiles.
While public health insurance is calculated based on salary, private health insurance depends on personal factors. This can mean that, in certain situations, the contribution is lower.
If you have any doubts or questions, we help you with everything you want to know so you can make the best decision.
Private health insurance is usually cheaper in these situations:
- Young employees
- Salaries above the public insurance threshold
- Interest in personalised coverage
- Preference for fast medical care
Ready to calculate how much your insurance would cost?
Request your free analysis today. Our team will review your situation and guide you clearly, with no obligation.