Mandatory for All German Residents
All residents in Germany must have health insurance. Without insurance, visa issuance/extension is impossible, and medical costs are very expensive.
Approx. 14.6% of income + additional contribution
Family included for free (spouse, children)
Regardless of age/health status
Lifetime coverage
Recommended: Most employees, those with families
Cheaper if young and healthy
Better medical services
Premiums increase with age
Family members separately insured (additional cost)
Difficult to return to public insurance
Recommended: High income (€66,600+), single, young
Decide between public or private insurance. Most recommend public
Apply online on chosen insurance company website
Passport, registration confirmation, employment contract, etc.
Receive insurance card by mail 1-2 weeks later
Submit insurance enrollment certificate to company
A: Public insurance is recommended in most cases. Premiums are stable even with family or as you age, and coverage is lifelong.
A: Public insurance is approx. 14.6% of income + additional contribution (split 50/50 with company). For €3,000 salary, about €220-250.
A: Very difficult. Must meet specific conditions (income reduction, under 55, etc.), so choose carefully.
Ask me anything!