Find out which health insurance fits your life in Germany.
Get your personalized assessment in just a few minutes.
Free & non-binding · Takes about 3 minutes
Image: AI-generated
When were you born?
Health insurance premiums in Germany depend on your age at entry – we'll calculate it from your date of birth.
What's your employment status?
This helps us put together the right information for you.
What's your approximate gross annual salary?
This helps us assess whether you're required to have statutory health insurance.
Right now you still have the freedom to choose between statutory and private health insurance – but based on your salary, that choice will very likely no longer be available to you once the new threshold applies. If private health insurance is something you're considering, keep in mind: to switch effective 1 December, your notice to your statutory health fund needs to arrive by 30 September at the latest to meet the notice period.
How are you currently insured?
Choose your current situation so we can show you the right information.
What's your approximate annual profit?
As a self-employed person, your statutory health insurance contribution is calculated from your profit rather than a fixed salary. This lets us work out your personal Public (GKV) premium.
Gaps in your statutory health insurance
Statutory health insurance is solid basic coverage – but it only partially covers many services. Here are some common gaps:
Close the insurance gaps
Here are your personal premiums for matching supplementary plans – you can optionally pick one tier per category.
You have a choice: stay public or go private
You're above the mandatory insurance threshold (€77,400). That means you have a choice: stay in the statutory system as a voluntary member and close the insurance gaps through a supplementary health insurance, or switch to private health insurance (PKV).
What your private full insurance could cost
Example calculation for your age – non-binding and can be adjusted anytime.
How long do you plan to stay in Germany overall?
Almost done – your contact details
We'll get in touch with a non-binding quote for your selected supplementary plans.
Where can we send the offer to?
Where can we send you the offers?
Thanks, we've received your request!
We'll get back to you within 1–2 business days.
All information and premiums shown are an initial estimate, subject to the health assessment. This tool does not replace personal consultation or the individual acceptance decision of the respective insurer. Book your individual 1-on-1 consultation here.