Free online check
Answer a few quick questions in our free tool to see whether incoming insurance or private health insurance (PKV) fits your situation.
For long-term residents
Full health insurance (PKV), built around your life in Germany
Planning to stay in Germany for the long run — 5 years or more? Private health insurance is one of the most consequential decisions you'll make as an expat. Our team will help you get it right.
English-speaking guidance
Independent
100+ insurers compared
Example for a 30-year-old
Two private health insurance options
Full package
€579.71 / month
- No deductible
- Private room + chief physician
- Sick pay if unable to work
Budget package
€307.76 / month
- €1,000/year deductible
- Standard outpatient & inpatient care
- Dental treatment included
Free & non-binding · Takes about 3 minutes
Why this decision matters
A decision that's hard to reverse later
Once you're settled in Germany long-term, you'll typically choose between statutory insurance (GKV) and private insurance (PKV) — and depending on your income and employment status, PKV may be the better fit, or even the only option available to you.
The catch: switching back from PKV to GKV later is difficult and, past a certain age, close to impossible. Getting independent advice before you commit — not after — is what protects you from a choice you can't undo.
That's why we want to understand your situation before we make a recommendation. Start your free check — it's the quickest way to see what fits, and we'll take it from there.
Is this you?
Built for expats settling in for the long run
Whatever brought you to Germany, PKV needs to be matched to your specific employment and income situation.
Employees above the income threshold
Earning above Germany's compulsory insurance limit opens up private cover as an option — often with better benefits than statutory insurance for the same or lower cost.
Self-employed & freelancers
As a freelancer or self-employed professional, you'll typically need to arrange your own cover — with contributions based on your chosen tariff rather than a percentage of income.
Founders & company directors
Starting a business or leading a company in Germany brings its own insurance rules — we'll help you navigate what applies to your specific setup.
What we cover together
- Comparing tariffs across 100+ statutory and private insurers
- Matching coverage to your income and employment status
- Planning around future changes — job switch, family, retirement
- Explaining deductibles, waiting periods, and pre-existing conditions
- Ongoing support after you sign up, not just at the point of sale
What to expect
A recommendation you actually understand
Every situation is different — your income, your career plans, your family, your health history. Rather than a generic tariff comparison, we'll go through what's specific to you, so the plan you choose actually fits.
You'll leave the first call with clarity on your options, even if you decide not to move forward right away.
How it works
Simple, transparent, and built around you
Personal consultation
If it makes sense based on your check, we set up a short call — by video or phone, in English — to go through your situation.
Independent comparison
We compare options across 100+ insurers based on what actually fits you.
Clear recommendation
You get a recommendation you understand, and stay our point of contact for job or family changes down the line.
What clients say
Trusted by clients navigating Germany for the first time
"Friendly, professional, and always reachable. The team helped me find the right insurer efficiently, explaining everything clearly whenever I had questions."
Anna W.
"More than satisfied with the advice I received. They take real time to understand individual needs and always have your best interest in mind — honest recommendations, not sales tactics."
Thomas P.
Get started
Ready to find out what fits?
Run our free health insurance check first — it takes about 3 minutes. If it makes sense to talk it through afterwards, we'll set up a personal call.
Free & non-binding · Takes about 3 minutes.