Health insurance in Germany
Opting for health insurance in Germany guarantees peace of mind during your stay, providing essential cover in the event of unforeseen medical needs. Don't leave home without adequate protection!
Whatever your situation and the reason for your longer or shorter stay in Germany: a new secondment, a new professional opportunity, an internship, a university exchange or simply a vacation, it’s important to think about insurance. International health insurance offers many advantages, so you can leave with peace of mind. Don’t forget to ask for a health insurance quote for Germany! What do you need to know about the German healthcare system?
Student insurance Germany
The insurance that covers your stay for your studies in Germany.
From
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Germany
Health insurance to cover your expatriation to Germany.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance Germany
International health insurance to cover your trip to Germany.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of luggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
Information on health insurance in Germany
Political system: Federal Republic
Capital: Berlin
Surface area: 357 027 km²
Population: 82.5 million
Languages spoken : German
Currency: Euro
How does the German healthcare system work?
The German healthcare system has a very particular way of working, which depends entirely on your situation.
– You work in Germany, do not have secondment status, earn less than €62,550 gross per year, but more than €450 per month (which is often the case for trainees):
You must be affiliated to the German public health system. Your employer takes care of the administrative formalities. The choice of doctor or hospital is free, and the quality of care is generally very good. On the other hand, the fees charged are rather high, and the public health fund covers only part of the cost. Foreigners can be exempted from the German public health system if they are in possession of the European Health Insurance Card and plan to stay in Germany for less than a year. Whatever your situation, complementary international health insurance is highly recommended, as reimbursement ceilings are fairly limited.
– You earn more than €62,550 gross per year, or you are self-employed or a student:
You have the choice of taking out private health insurance or joining the public system. It may therefore be worthwhile to take out international health insurance for expatriates, known as “1st euro” insurance, or supplementary health insurance, so that you can benefit from the best possible health cover during your stay in Germany, whether short or long term. Beware: for long-term expatriates, the return to the German public health system is very complicated when you come from the private sector.
Do I need health insurance for Germany?
Whether you’re just a traveler or an expatriate in Germany, we strongly advise you to take out private insurance. Different health care facilities charge different prices in different parts of the country, and the reimbursement rates of the German public system do not cover all costs. That’s why it’s so important to take out insurance before you leave for Germany, so you don’t end up without cover. Coverage such as third-party liability should also be taken into account, as it is not usually included in EHIC cover.
What are the healthcare costs in Germany?
Here are some more precise figures on healthcare costs in Germany:
– Consultation with a general practitioner: approx. 35 euros.
– Specialist consultation: approx. 80 euros.
– Hospitalization: Hospital costs vary according to many factors, including length of stay, care required and room type. The average cost of a day in hospital in Germany is around 400 euros.
– Dental care: The cost of dental treatments, such as crowns, bridges and implants, varies according to the type of treatment and region, but can easily run into the hundreds or even thousands of euros.
