{"id":2514,"date":"2026-04-15T23:57:51","date_gmt":"2026-04-15T21:57:51","guid":{"rendered":"https:\/\/bramexplus.com\/?page_id=2514"},"modified":"2026-07-01T19:06:49","modified_gmt":"2026-07-01T17:06:49","slug":"private-health-insurance-cost-germany","status":"publish","type":"page","link":"https:\/\/bramexplus.com\/en\/private-health-insurance-cost-germany\/","title":{"rendered":"Private Health Insurance Cost in Germany"},"content":{"rendered":"\t\t
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Private health insurance price \u00b7 Germany<\/div>\n

How much does private health insurance in Germany<\/span> cost?<\/h2>\n

\n 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.\n <\/p>\n

\n See the full comparison tool \u2192<\/a>\n Free advice<\/a>\n <\/div>\n
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\n From 250 \u20ac<\/span>\n indicative ranges for young employees<\/span>\n <\/div>\n
\n 50% approx.<\/span>\n your employer usually covers half<\/span>\n <\/div>\n
\n Personal tariff<\/span>\n based on age, coverage and deductible<\/span>\n <\/div>\n <\/div>\n <\/div>\n
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\n \"Private\n <\/div>\n <\/div>\n <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Consulta las tarifas\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Introduce tu a\u00f1o de nacimiento y accede al comparador con el c\u00e1lculo de precios.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n Mini comparador Bramex Plus<\/strong>\n El mini comparador se mostrar\u00e1 correctamente en la p\u00e1gina publicada.<\/span>\n <\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n <\/span>\n How it works\n <\/div>\n

How the cost of private health insurance is calculated<\/h2>\n <\/div>\n\n
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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.<\/p>\n

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.<\/p>\n

On this page we explain how much private health insurance in Germany costs, what affects the price and how to calculate your exact tariff.<\/p>\n <\/div>\n

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\ud83d\udca1 Worth keeping in mind<\/div>\n

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<\/strong>.<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n<\/section>\n\n\n\n

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\n <\/span>\n Indicative prices\n <\/div>\n

Private health insurance price in Germany for employees<\/h2>\n

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.<\/p>\n <\/div>\n\n

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25 \u2013 30 years<\/p>\n

250 \u20ac \u2013 350 \u20ac<\/p>\n

total monthly contribution<\/p>\n

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Your approximate share<\/p>\n

125 \u20ac \u2013 175 \u20ac<\/p>\n <\/div>\n <\/div>\n\n

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30 \u2013 35 years<\/p>\n

300 \u20ac \u2013 420 \u20ac<\/p>\n

total monthly contribution<\/p>\n

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Your approximate share<\/p>\n

150 \u20ac \u2013 210 \u20ac<\/p>\n <\/div>\n <\/div>\n\n

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35 \u2013 45 years<\/p>\n

350 \u20ac \u2013 500 \u20ac<\/p>\n

total monthly contribution<\/p>\n

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Your approximate share<\/p>\n

175 \u20ac \u2013 250 \u20ac<\/p>\n <\/div>\n <\/div>\n\n

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Over 45 years<\/p>\n

From 420 \u20ac<\/p>\n

total monthly contribution<\/p>\n

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Your approximate share<\/p>\n

From 210 \u20ac<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n <\/span>\n What your employer pays\n <\/div>\n

How much does your employer pay towards private health insurance?<\/h2>\n

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.<\/p>\n

This means that if your insurance costs, for example, 400 \u20ac a month, your real cost could be around 200 \u20ac a month. This contribution is one of the reasons why many employees opt for private health insurance.<\/p>\n <\/div>\n\n

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50%<\/div>\n
Employer's contribution<\/div>\n
Your employer pays roughly half the cost of private health insurance for employees.<\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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\n <\/span>\n What affects the price\n <\/div>\n

Factors that affect the price of private health insurance<\/h2>\n

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.<\/p>\n <\/div>\n\n

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01<\/div>\n

Age<\/h3>\n

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.<\/p>\n Younger = better price<\/span>\n <\/div>\n\n

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02<\/div>\n

Chosen coverage<\/h3>\n

You can choose different levels of coverage, such as a private room, better dental benefits or extended access to specialists.<\/p>\n More coverage = higher cost<\/span>\n <\/div>\n\n

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03<\/div>\n

Deductible<\/h3>\n

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.<\/p>\n Higher deductible = lower contribution<\/span>\n <\/div>\n\n

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04<\/div>\n

Profession<\/h3>\n

Some professions have more favourable risk profiles than others, which can affect the final price of the insurance.<\/p>\n Occupational risk matters<\/span>\n <\/div>\n\n

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05<\/div>\n

State of health<\/h3>\n

Before you sign up, the insurer assesses your medical situation. Depending on the case, this can affect the price or the conditions.<\/p>\n Your health profile counts<\/span>\n <\/div>\n\n

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06<\/div>\n

Daily sickness benefit<\/h3>\n

You can add financial coverage in case of sick leave. This option increases the price but provides more security.<\/p>\n More protection = higher contribution<\/span>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n \"Hospitals\n <\/div>\n
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\n <\/span>\n Private vs public\n <\/div>\n

Is private health insurance cheaper than public?<\/h2>\n

In many cases, private health insurance can be cheaper than public, especially for employees with high incomes or younger profiles.<\/p>\n

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.<\/p>\n

If you have any doubts or questions, we help you with everything you want to know so you can make the best decision.<\/p>\n

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Private health insurance is usually cheaper in these situations:<\/h4>\n