Understand private health insurance in Germany and choose the best option with our help
Benefit from better services and personalised care. Find the private health insurance that fits your lifestyle and health needs.
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Your benefits with private health insurance
Private health insurance in Germany isn't only a question of cover. It's a different way of accessing the healthcare system — with more speed, more freedom and more personalisation.
Fast appointments with doctors and clinics
People with private health insurance get specialist appointments within a few days, close to where they live. If a procedure is needed, it can preferably be carried out in a private clinic.
For planned (non-urgent) operations, you usually get an appointment within around two weeks.
More about benefits →Money back / bonus
If you submit no medical bills throughout the year, depending on the tariff you can receive up to a 30% refund of the premiums paid.
That can mean between 600 € and 1.400 € a year paid straight back into your bank account.
More about benefits →High-level benefits
For standard dental treatment you can receive up to 100% reimbursement. Very high benefits are also offered for dental prosthetics and complex treatments.
In hospital you have the option to:
- Be operated on by the senior consultant
- Stay in a single room
Medical check-ups
Depending on the tariff, preventive check-ups can be carried out with no age limit and no mandatory intervals. So you're always covered when it comes to prevention.
More →Money and family
- Private health insurance is often cheaper than statutory insurance.
- Depending on the tariff, during parental leave (Elternzeit) you can pause premium payments for up to 6 months.
Private health insurance comparison tool
Work out the cost of your private insurance in seconds. We carefully select the best tariffs based on the optimal balance of cost, service and reliability.
All you need to do is enter your date of birth below
Discover the rates of your private health insurance in Germany in seconds.
Main benefits of private health insurance
We've grouped the market's tariffs into four clear levels. Compare and choose the one that best fits your needs.
BASIC
The essentials to be covered at a lower premium.
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Deductible 300 € / year
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Specialists With referral (no direct access)
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Hospital Public · shared room
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Medication 75%
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Dental prosthetics 60%
SMART
Better hospital cover and reimbursements. Ideal if you don't need premium extras.
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Deductible No deductible
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Specialists With referral (no direct access)
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Hospital Public + private · room max. 2 people
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Medication 80%
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Dental prosthetics 80%
PRO
More freedom: direct access to specialists and more key reimbursements.
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Deductible 0 € or 300 €
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Specialists Direct access
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Hospital Public + private · room max. 2 people
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Medication 100%
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Psychotherapy 80% → 100% from session 31
MAX
Maximum peace of mind: single room and higher limits.
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Deductible 0 € or 300 €
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Specialists Direct access
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Hospital Single room
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Glasses / lenses 600 € / 2 years
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Medication 100%
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Dental prosthetics 90%
PKV vs GKV — Private vs statutory health insurance
If you have access to private health insurance in Germany, you can benefit from the range of services it makes available to its clients.
More about the differences| Feature |
⭐
Private insurance Recommended for higher earners |
🛡
Statutory insurance Mandatory standard cover |
|---|---|---|
| Specialist waiting time | ✔ Immediate | – Weeks / months |
| Hospital room | ✔ Single or double | – Shared |
| Dental prosthetics | ✔ Up to 100% | – 30–45% |
| Premium refund | ✔ Yes | ✗ No |
| Worldwide cover | ✔ Included | ✗ No |
| Guaranteed benefits | ✔ For life | – Can change |
| Price based on salary | ✔ Doesn't depend on it | – Does depend on it |
| Unlimited prevention | ✔ No age or interval limits | – With limitations |
Private health insurance extras
On top of all the advantages private health insurance offers in Germany, it also includes extras that make the difference.
🔍 Doctor and clinic search
So you get treatment quickly, the insurer can find suitable doctors and clinics in under 48 hours and, if you wish, book the appointment directly.
⚖️ Legal protection for patients
If you've been treated incorrectly by a doctor or haven't received enough information, private health insurance (SMART, PRO and MAX tariffs) includes legal protection for patients.
💪 Personalised health coaching
A personal coach supports people with specific conditions such as type II diabetes, cardiovascular disease or chronic pain, helping them improve their quality of life.
Switching from statutory to private health insurance
Switching can be simple, but it's essential to find the right offer — the insurer that covers your needs and provides excellent benefits and reliable service.
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The most common questions about private health insurance in Germany
See all requirements →
See the full PKV vs GKV comparison →
See how much private health insurance costs →
See the benefits comparison →
See how switching insurance works →
Ready to improve your health cover in Germany?
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