medium_expat-student-hero.png

small_expat-student-hero.png

thumbnail_expat-student-hero.png

expat-student-hero.png

How student health insurance works in Germany

This is a complete guide to [health insurance](https://feather-insurance.com/health-insurance) for students in Germany.


You’ll learn all about:


- What health insurance is best for students
- How much do different options cost
- All the steps needed to get covered today


So if you want to ensure that your health coverage is up to speed and that you don’t ruin yourself doing so, you should get a lot of value from today’s guide.


## Do students need health insurance in Germany?


Students must have proof of valid health insurance to join a German university. This is required by law because it ensures that students can get the healthcare they need in the country. 


To do this, students have three options: private, statutory (public), and expat insurance (some students can stay on their home country’s insurance; more on that in a minute).


Let’s explore each in more detail.


## What options do students have for health insurance?


As mentioned, students in Germany have a few insurance choices:


1. [**Public insurance**](https://feather-insurance.com/health-insurance/public)**:** You should choose this option if you are eligible.
2. **Home insurance:** If you have coverage from your home country and Germany recognises it, continuing it can save you some money.
3. [**Expat or incoming health insurance**](https://feather-insurance.com/health-insurance/expat/)**:** If you can’t use the two options above, this is your best choice.
4. [**Full private insurance**](https://feather-insurance.com/health-insurance/private)**:** This is rarely available, as you or a family member needs to earn a lot annually to qualify. However, if you do, this offers the best benefits.


## Which health insurance is best when studying in Germany?


### Best choice: Continue your home country’s insurance


The best health insurance option for eligible people is to continue their home country’s health insurance. Students statutorily insured in one of these countries are allowed to stay on their home insurance for the duration of their studies:


- EU member states (find the complete list [here](https://www.gov.uk/eu-eea)).
- Norway
- Liechtenstein
- Iceland
- Switzerland
- The UK
- Serbia
- Montenegro
- Bosnia and Herzegovina
- Turkey
- Tunisia
- Macedonia


Here’s why we think this is the best health insurance option for those eligible:


1. By choosing to stay on your EU/EEA home insurance, you are not losing eligibility for German public insurance. This means that if you decide to stay in Germany after your studies, no worries, you can easily switch to German insurance at that point.
2. If your home insurance ends at any point during your studies, you can easily switch to German student public insurance.
3. You won’t need to pay to access healthcare in Germany; you can use your [EHIC/GHIC](https://ec.europa.eu/social/main.jsp?catId=559), or the document issued by your country’s social security institution.


If you choose to stay on your home country’s insurance, you will need to prove to your university that you are exempt from German statutory health insurance. You can do this by emailing a public insurance provider like TK and asking them to complete the “M10 Meldung.” [This article](https://faq.feather-insurance.com/en/articles/28597-insurance-status-confirmation-for-university-m10) will teach you the necessary steps, but TK should also help you complete this step.


Please note, if you start working during your studies (e.g., mini job or working student contract) you will have to switch to German insurance. More info in [this article.](https://faq.feather-insurance.com/en/articles/28594-i-want-to-work-while-studying-what-are-the-exact-rules)


### Strong alternative: Statutory health insurance (public)


If your home country does not have an agreement with Germany, public health insurance is the best for you.It provides good coverage at a discounted rate of around 125 EUR per month in 2025\. Plus, you can continue with public insurance as a voluntary member after your studies, which will ease the process of getting a [Chancenkarte (job\-seeking visa)](https://feather-insurance.com/blog/chancenkarte-how-to-apply/).

Sign up for public health insurance

However, there are a few reasons why you would not be eligible for public student insurance:


* You are over 30 years old
* You are studying at a non-state-accredited university


If you fall into one of these categories, you could still opt for private or expat health insurance.


### Premium option: Full private health insurance


Full private health insurance for students is a high-quality health plan that provides more services and quicker access to healthcare than standard plans. 


There is technically no rule stopping students from joining a private health insurance plan. However, these plans often have a minimum income requirement set by the insurance companies. Typically, students must earn at least €30,000 annually to qualify for these plans.


Unfortunately, most students don’t make enough money to meet this income requirement and, therefore can’t get full private health insurance. For students who do qualify, this type of insurance offers several benefits:


* Discounted rates, specifically for students, are usually more affordable.
* Covers a broader range of services compared to standard health insurance.
* Allows you to access healthcare services faster than than other types of insurance.


If you’re interested in this option but your income doesn’t meet the requirement, it’s still worth applying. You can talk to the insurance provider about other possible solutions, like considering a family member’s income, to help you qualify for the plan.

Sign up for private health insurance

### Ideal for non-eligible students: Expat health insurance


If you’re not eligible for any of the options above, you can choose expat health insurance. Some providers also call it incoming insurance.


It is the most affordable insurance in Germany, starting at €72 monthly, but provides limited coverage compared to public insurance. Rest assured, it meets all the legal requirements to stay in Germany as a student for up to 5 years.   
Remember that your university will still request a [notice of exemption](https://faq.feather-insurance.com/en/articles/28597-insurance-status-confirmation-for-university-m10) from public insurance.

Sign up for expat insurance

## How much is health insurance for students in Germany?


Health insurance for students in Germany can cost between €72 and €400 per month, depending on the type of insurance plan chosen. 


Let’s look at this in more detail…


### Public health insurance cost for students


In 2025, your monthly contribution is about €130. Here’s a breakdown:
1. Student Health Insurance: Students’ general contribution rate is 10.22% instead of 14.6% for employees. Since students don’t usually earn a salary, the government assumes their monthly income is €855, totaling €87.38.
2. Statutory Nursing Care Insurance: For parents and childless students under 23 years old, the rate is 3.4%, or €29.07. The rate for childless students over 23 years old is 4.0%, or €34.20.
3. Additional Contributions: Each health insurance company charges extra contributions beyond the standard rates. In 2025, the average between all insurers was 1.7%, or €13.68.

These costs are standardized across health insurance companies, except for additional contributions specific to each company. [TK](https://feather-insurance.com/health-insurance/public/tk) has one of the lowest contributions, with 2.45% (€10.26).


### Private health insurance cost for students


Students pay less for private health insurance than employees or self-employed individuals due to special student rates.


However, the actual cost depends on:


* Your coverage
* If you have a deductible and its amount
* Your age
* Your health condition when signing up


Private health insurance can cost as little as €130 monthly, but a high deductible can reduce monthly premiums to about €90. Plus, you may get a cashback bonus if you don’t make any claims in a year. 


### Expat health insurance cost for students


At Feather, expat health insurance costs €72 for the basic plan or €134 for the premium plan. 


## What is covered by German student health insurance?


Yet again, this varies depending on what insurance type you picked. However, the law dictates that insurance companies in Germany must cover the following:

* Doctor visits ([Outpatient medical treatment](https://feather-insurance.com/blog/inpatient-vs-outpatient))
* Hospitalization ([Inpatient treatment](https://feather-insurance.com/blog/inpatient-vs-outpatient))
* Prescription drugs
* Medical coverage in the EU & Schengen
* Basic dental treatments
* Psychological counseling


If you opt for private or expat insurance, you could also enjoy these benefits:


* Visual aids
* Fitness/health apps
* Private hospital rooms
* Physiotherapy


While these treatments and therapies are generally covered by insurance, it’s important to check the terms and conditions of your preferred plan to understand exactly what your provider offers. 


## How to get health insurance as a student in Germany





Here’s a step-by-step guide to getting student health insurance in Germany:


1. **Check eligibility:** First, determine if you qualify for public or private health insurance in Germany. Our [health insurance recommendation tool](https://app.feather-insurance.com/recommendation-tool/health) will give you the answer in less than 2 minutes.
2. **Choose a provider:** Research and pick a health insurance company. Look for one that matches your needs regarding benefits, coverage, and costs. Most importantly, look for providers like Feather, which is known for [great reviews](https://www.trustpilot.com/review/feather-insurance.com) and English-speaking support.
3. **Apply:** Get the health insurance application form from the provider’s website or apply online.
4. **Receive certificate:** Once your application is approved, you’ll get a health insurance certificate (Versicherungsbescheinigung). You need this to obtain your visa.
5. **Provide address and IBAN:** Once in Germany, finalize your public insurance application by giving a local address and IBAN. This step isn’t required before arrival but is necessary for processing.
6. **Obtain a residence permit:** Use your valid public insurance to apply for a residence permit in Germany.
7. **Pay your premiums:** After receiving your insurance certificate, pay the premiums promptly according to your chosen provider’s terms and payment schedule (usually monthly).


![Section banner introducing: Frequently asked questions](./Health Insurance for Students in Germany_ The Definitive Guide _ Feather Blog_files/Frequently-asked-questions-banner-1024x155.png)



## Student Health Insurance FAQ
### Do students need accident insurance? 
International students are automatically covered by accident insurance provided by their school. This insurance protects them if they get injured on campus or during school activities. However, it’s important to know that this insurance only covers accidents. It doesn’t replace personal health insurance, which is still required by law.
### How do I cancel my student health insurance?

To cancel your health insurance after finishing your studies, take the following steps:
1. **Notify your insurance company:** Let your insurance company know you want to cancel your coverage by calling, emailing, or writing a letter.
2. **Follow their instructions:** The insurance company will tell you how to complete the cancellation. Follow their instructions carefully.
3. **Confirmation of cancellation:** Once the insurance company receives your cancellation request and you complete whatever instructions they gave you, they will usually terminate your contract.
4. **Get proof of cancellation:** Ask the insurance company for a document that confirms your coverage has been terminated.
### What happens to my health insurance once I graduate?
**If you opted to stay on your home country’s insurance:** you can use it for at least another 6 months during your job search. To take advantage of this option, you must go to the Job Center and register as a job seeker. While it doesn’t entitle you to job benefits, it does allow you to stay insured on your EHIC.
**If you had private (incoming / expat) health insurance** while studying, it’s most likely limited to 5 years. As long as you are within these 5 years, it generally meets the requirements for a job-seeking visa. Just be aware that the job-seeking visa for students is 18 months, and if your expat health insurance expires before this visa ends, it’s almost impossible to use it.
**If you had statutory insurance,** it would expire when you complete your studies or turn 30. You can, however, continue as a voluntary member. Just contact your insurance provider (Krankenkasse). Remember that you will be paying a different amount for your voluntary insurance. If you do not have any income, it will be around €220 per month.
### Can I switch from public to private insurance as a student?
If you are a student under 30 years old and enrolled in a regular degree program, you can switch from public to private health insurance after being in the public system for at least 12 months.
Once you choose private health insurance, switching back to public insurance is usually impossible while you’re still in the same degree program. If you try to switch back to public insurance from private during that time, you’ll find it quite tricky.
You can only switch back to public health insurance under certain conditions, such as changing your degree program, completing your studies and finding a job, or turning older than 30.
### Does student health insurance cover pre-existing conditions?
**Public health insurance** provides coverage for everyone, regardless of any health conditions they may have had before getting insurance. 
**Private health insurance** might not cover health conditions that someone had before getting insurance. This could mean those conditions aren’t covered, or the insurance cost might increase. In any case, your insurer should inform you of this.
### How do I use my public insurance as a student?
You don’t have to pay on the spot when you receive medical care. Just make sure always to take your health insurance card to medical appointments. Show it at the clinic or hospital so they can bill your insurance directly for any services you receive that are covered by your insurance.
### Does private health insurance make sense for students?
Private health insurance can be beneficial for students in several ways:
* Students can easily switch back to statutory health insurance once they finish their studies.
* Choosing private health insurance early gets you excellent terms for the entire contract period. This is especially beneficial if students plan to continue with private insurance after they graduate.
* Due to their young age, students typically need fewer medical services, so they may pay lower premiums if they opt for private health insurance.

Find the best health insurance for you

Support that saves me time

Expert health insurance help for expats

Amazing from start to finish

Our products

[BP] health insurance students germany guide

medium_Is-contents-insurance-worth-it.png

small_Is-contents-insurance-worth-it.png

thumbnail_Is-contents-insurance-worth-it.png

Is-contents-insurance-worth-it.png

How contents insurance works in Germany

Sign up for household contents insurance

Helpful and fast resolution

#1 peace of mind in Germany

English-friendly and stress-friendly

[BP] contents insurance germany guide

Team mates celebrating their health plan.

medium_company-private-health-usp.png

small_company-private-health-usp.png

thumbnail_company-private-health-usp.png

company-private-health-usp.png

How private health insurance works in Germany

This is a complete guide to German private health insurance in 2025\. 


Today we’ll show you exactly how to:


- Understand if private health insurance is the right option for you
- Pick the best insurance plan for your needs
- Calculate private health insurance costs
- And lots more


Let’s get started.


## What is private health insurance in Germany?


Private health insurance in Germany, also known as PKV, is one of two [healthcare systems in Germany](https://feather-insurance.com/blog/health-insurance-germany-guide/). It covers about 10% of people in Germany. It’s mainly used by self\-employed individuals, people with high incomes and civil servants. 


Here is what you need to know:


- PKV offers the flexibility to tailor coverage to your needs.
- It also provides access to a wider network of services.
- Wait times are much shorter than with [public health insurance](https://feather-insurance.com/health-insurance/public).
- Premiums are *usually* lower than those for public insurance.
- The costs are calculated based on the services you choose and your personal risk factors (age and health history), which is known as the **equivalence principle**.
- You need to pay medical bills first and then get reimbursed later.
- Switching from public to private is easy if you fit the **eligibility criteria**. Switching back is harder.
- Private insurers can deny applications based on risk factors, like pre\-existing conditions or age.


## Who is eligible to be privately insured in Germany?


In Germany, certain groups of people can choose private health insurance over the standard statutory health insurance. Here’s a breakdown of who can choose private insurance:


1. Self\-employed individuals or freelancers
2. High\-income employees
3. Civil servants
4. Students
5. Children, as long as one of the parents is privately insured


Let’s take a closer look at each of these…


### **Self\-employed individuals**


This includes freelancers, business owners, and specific professionals like artists and publicists. 


Technically, you can opt for private health insurance without any restrictions based on income. However, there is usually a minimum income requirement set by insurance companies. On average, this internal limit is set at €30,000 gross annually.


Private insurance for freelancers has lower fees than statutory insurance and offers better benefits.


Find out more with our guide to [health insurance for freelancers and the self\-employed in Germany](https://feather-insurance.com/blog/smart-co-op-for-freelancers-in-germany/).


### **High\-income employees**


Employees earning more than €**73,800** annually (as of 2025\) can [switch to private insurance](https://feather-insurance.com/en-de/health-insurance/private/switch-from-public-to-private).


This option can be more affordable since private insurance premiums aren’t based on income (which is the case for public health insurance). 


High\-income employees also get a subsidy from their employer for private insurance, up to the maximum allowed for statutory (public) insurance, which is €422 per month in 2025\.


Find out more with our guide to [health insurance for expats in Germany](https://feather-insurance.com/blog/germany-health-insurance-expats-guide/).


### **Civil servants**


Civil servants are partially covered by a government assistance program called “Beihilfe,” which pays for 50% of most health expenses. Private insurance can cover the rest of the health costs.


Civil servants and their children get particularly favorable rates. They also have the option to pause their insurance for a period with a guarantee that they can resume it later under the same conditions.


### Students


Students over 30 or in a non\-state\-accredited university are required to obtain either private health insurance or [expat (incoming) health insurance](https://feather-insurance.com/health-insurance/expat/short-term).


If you wish to switch to private health insurance as a student, you must satisfy one of these criteria:


- You started your studies less than 3 months ago.
- You just turned 25 years old, so you cannot stay on your parents’ statutory (public) insurance plan.


Private insurance for students is usually cheaper than for working individuals (thanks to special student rates) and provides better benefits than statutory (public) insurance.


Plus, students receiving BAföG (a type of educational aid) may get help with their health insurance costs, making it even more affordable.


Find out more with our guide to [health insurance for students in Germany](https://feather-insurance.com/blog/health-insurance-students-germany-guide/).


### Families \& children


In private health insurance, each family member needs their own plan, unlike statutory (public) health insurance, where one plan covers the whole family. Plans for children are typically cheaper, especially until they turn 21\. 


## What does German private health insurance cover?


The main advantage of private health insurance is that you can customize your coverage exactly as you want it. Here are some things you can choose to include in your contract:


- **Outpatient services:** plans usually pay for all the costs of regular doctor visits and visits to specialists.
- **Medication:** all plans cover the cost of prescription medications. The best plans also cover non\-generic drugs.
- **Choice of room:** You can choose a single, double, or shared room with multiple beds.
- **Choice of doctor:** You can choose to be treated by a senior physician or a specialist. The best plans will also allow you to be treated by heads of departments.
- **Dental:** The best plans cover a minimum of 90% of the cost for regular dental treatments and 75% for costly dentures. Most insurers set a maximum that can be reimbursed during the first years of coverage.
- **Visual aid:** Some plans cover expenses for glasses, contact lenses, or laser treatments.
- **Sickness benefits:** This benefit ensures that in case of sickness, you can still receive some income. This is crucial for the self\-employed to maintain a livelihood when they cannot work.


Once you sign up, the services outlined in your contract are guaranteed for the entire duration of the contract. This means your insurance cannot change your coverage (unlike public insurance), but it also means you cannot easily add coverage later if it’s not already included, which could lead to increased costs.


## How much does private health insurance cost?


According to the Association of Private Health Insurance, private health insurance costs an average of €529 monthly. Employers pay half of it, so you actually only pay €264\.50\. Self\-employed people will have to pay for it themselves, though.


However, the price you pay for private health insurance varies based on several factors:


- Your provider
- Your coverage level
- Your age at when you sign up
- Your occupation and employment status
- Your health status when signing up


If you’re wondering how much your premiums might be, you can use our [private health insurance cost calculator](https://feather-insurance.com/health-insurance/private#calculator).

## Private health insurance: Pros \& cons


Private health insurance offers comprehensive benefits compared to other types of insurance, but it may not always be the ideal choice. Here’s a detailed look at its benefits and drawbacks:


### **Advantages**


1. **Customizable coverage**: You can tailor your insurance plan to suit your specific needs, which may eliminate the need for additional health insurance.
2. **Choice of providers**: You have a wider selection of doctors and hospitals to choose from, giving you more control over your healthcare.
3. **Shorter wait times**: You can often get medical treatment faster than with public insurance, reducing waiting periods.
4. **Fair contribution system**: The cost of your insurance is based on the services you choose, not on your income level. You can also influence your costs through deductibles and cash\-back rewards.
5. Guaranteed services: The services you receive are guaranteed by your insurance contract, unlike public insurance, where benefits can change due to government decisions.


### **Disadvantages**


1. **Limited coverage**: Some medical treatments, such as psychotherapy, may not be fully covered under private insurance plans.
2. **Costly to switch providers**: If you want to change insurers for better terms, it can be expensive as new premiums might be much higher.
3. **Difficult to return to public insurance**: Once you switch to private insurance, it can be challenging to return to public health insurance.


## Who should get private health insurance?


We briefly mentioned the main pros and cons of private health insurance. Still, it’s important to note that whether or not private health insurance is the right choice always depends on a person’s lifestyle and situation. 


Here is who we think should seriously consider getting privately insured:


### Freelancers \& self\-employed individuals


Unlike employees, self\-employed people must pay their health insurance contributions entirely out of their own pocket. Private health insurance is, therefore, often the more cost\-effective option and also offers better benefits.


### Students


Students should stay on their parents’ family insurance for free if they qualify. However, if they are too old or earn too much, they need to get their own insurance and pay for it themselves. In this case, private health insurance or [expat health insurance](https://feather-insurance.com/health-insurance/expat/short-term) are the better alternative. 


### High earners


In the statutory health insurance system, contributions are based on income, so higher earners pay more. In contrast, private health insurance costs depend on the chosen services, making it often cheaper and more effective, especially since family members may not require separate contributions.


### Young people


Private health insurance is often better than public insurance, especially for young people. Joining private insurance early helps build savings that can lower costs when you’re older. Younger people also usually have fewer health issues, making it easier for them to qualify for private insurance.


## Switching from statutory to private health insurance


If you qualify for private health insurance, you can switch from public to private coverage. The usual notice period for leaving public health insurance is two months before the end of the month. However, if your annual income exceeds the legal limit (JAEG) for the first time, you can switch without notice.


Once you’ve chosen a private insurance plan, you need to apply by answering questions about your health. Our experts are available to assist you with this process. After your application is approved, you will receive a confirmation, which you must submit to your current insurer within the notice period for the cancellation to be valid. If the switch isn’t possible, you’ll stay with your current insurer.



[Switch from public to private insurance](https://feather-insurance.com/health-insurance/private/switch-from-public-to-private)

## 





## Private Health Insurance FAQ







### What happens to my private health insurance if I become unemployed?

If you are under 55 years old and receive unemployment benefits, you will automatically be covered by statutory health insurance. To remain privately insured, you must apply for exemption from compulsory insurance. If you are over 55 years old, you will generally remain privately insured.

Learn more: [What happens to my health insurance during job loss?](https://feather-insurance.com/blog/job-loss-insurance)


### Does private health insurance also cover treatment abroad?

Generally, private health insurance covers treatment outside Germany as long as the treatment isn’t the main reason for traveling. Within Europe, there are usually no time limits for coverage. Many plans offer worldwide coverage for a certain period during travel, providing insurance outside Europe in emergencies.


However, since German fee schedules are used, there may be gaps in coverage. It’s often a good idea to have additional travel health insurance. Check your plan’s details to understand the exact coverage.





### Can I take out private health insurance even if I have pre\-existing medical conditions?

Yes, you can apply for private health insurance even with pre\-existing conditions, but there are a few things to keep in mind:


- **Health Questions**: Insurers will ask about your medical history. This can include treatments in the last five years or hospital stays in the last ten years, depending on the company.
- **Risk Surcharges**: Insurers might charge you extra or exclude certain services from coverage if you have serious illnesses or allergies. This can also apply if you’re significantly underweight or overweight.
- **Application Rejection**: In some cases, insurers may deny your application due to serious health issues.





### Can I include my family in private health insurance?

Private health insurance doesn’t offer a single\-family plan; you need to pay a separate premium for each person. This allows each family member to choose coverage that fits their specific needs. For example, couples can select different services based on their preferences.


Children’s private health insurance is relatively inexpensive, starting at about €100 per month, because it doesn’t include age\-related provisions. Additionally, employers often cover 50% of the children’s premiums up to a certain limit.





### How do claims work in private health insurance?

As a private patient, you pay your doctor’s bills upfront and are usually reimbursed by your health insurance within a month. For hospital stays, you can use Feather’s digital health insurance card not to pay astronomic sums.


Disputes can arise if doctors charge for treatments not covered by insurance, leaving you to cover the costs. It’s important to verify your insurance coverage and discuss potential charges with your doctor before undergoing complex treatments.





### Are private health insurance contributions tax deductible?

Yes, you can deduct private health insurance contributions on your tax return. Enter them as “special” expenses in the pension expenses section (line 48\). The maximum deductible amount is €1,900 for employees, retirees, and public officials and €2,800 for freelancers.


### Is private health insurance worth it?
Generally, yes. German private health insurance is worth it. On average, you'll get better coverage, shorter wait times and more affordable pricing. Learn more [here](https://feather-insurance.com/blog/private-health-worth-it).


### What if a private health insurance application is rejected?

If your private health insurance application is denied, you have a few options to consider:


- **Try Another Company:** Different insurance companies have different criteria. You might find another company willing to offer you coverage.
- **Apply for Basic Coverage:** Consider applying for the basic tariff, which provides services similar to statutory health insurance. You’ll need to meet specific requirements for this option.

[BP] private health insurance germany guide

Best contents insurance in Germany: Our top 3 plans of 2026

Let’s talk about one thing you definitely don’t want to overlook—protecting your stuff. 


Because accidents happen.


Ever wondered what would happen if…


- You dropped a box down the stairs while moving, and suddenly “fragile” really meant “broken”?
- Your sofa suddenly became a waterbed when the upstairs neighbor’s pipe burst?
- Your laptop became an unexpected victim when your upstairs neighbor’s bathtub overflowed?
- Or if your beloved guitar decides to run away with a burglar?


That’s where household contents insurance (also called [home insurance](https://feather-insurance.com/household-insurance/home)) comes to the rescue. 


But with so many options available, how do you choose the right one?


Well, in this post, we’ll share what we think are the top 5 options for the best household contents insurance in Germany.


But first, let’s get the basics out of the way:


## What is household contents insurance?


Household contents insurance or *hausratversicherung* in German (don’t worry, we’ll stick to English), covers your personal belongings against risks like theft, fire, and water damage. 


It saves the day when disaster strikes for renters and homeowners alike.


What does household contents insurance usually cover? Well, imagine you turn your apartment upside down: anything that falls down is covered.


For more details on how the policy works, check out our [comprehensive guide on household contents insurance in Germany.](https://feather-insurance.com/blog/contents-insurance-germany-guide/)


### Disclaimer:


*Policy details can vary, as insurers offer multiple plans. We selected the one we found most noteworthy, but exploring your options may lead you to a better fit. Our rankings are based on a specific methodology, which we encourage you to review to see if it aligns with your priorities. While we strive for accuracy, the decision is ultimately yours, and speaking with an insurance expert can provide more personalized guidance than this article alone.*


Ready to dive in? 


Let’s take a look at our favorite household contents insurance providers in Germany for 2025\.


## **Where to start looking for the best household content insurance plans in Germany**




| **Provider** | **Recommended for** | **Monthly premiums** | **English support** | **Trustpilot rating** |
| --- | --- | --- | --- | --- |
| **Feather** | English Speakers | From €2\.33 | Yes | [4\.8/5](https://www.trustpilot.com/review/feather-insurance.com) |
| **AXA** | Best\-in\-class coverage | From €5 | Limited | [1\.4/5](https://www.trustpilot.com/review/www.axa.de) |
| **Gothaer** | Families | From €3\.06 | No | [2\.3/5](https://www.trustpilot.com/review/gothaer.de) |
| **Ammerländer** | High\-end homes | From €3\.00 | No | [4\.2/5](https://www.trustpilot.com/review/www.ammerlaender-versicherung.de) |


## **1\. Feather:** **Recommended for English Speakers**


**Our recommended plan:** Extended coverage


**Pricing:** from €2\.33 per month




| **Pros** | **Cons** |
| --- | --- |
| ✅English support | ❌No coverage for pickpocketing |
| ✅Fully digital experience via the app | ❌Coverage limits apply to high\-value items stored outside a safe (like watches made from gold |
| ✅Cancel anytime | ❌Single rooms cannot be insured (must cover the entire house or flat) |
| ✅Comprehensive coverage options |  |
| ✅Customizable coverage |  |


### Our Take


You might not be surprised, but Feather takes the top spot on our list in 2025\. 


With a Trustpilot rating of [4\.8/5](https://www.trustpilot.com/review/feather-insurance.com), Feather has the best online reputation from all the companies reviewed in this post. 


In fact, it’s the best\-rated insurance company in Germany.


The Extended cover plan goes above and beyond the basics by offering a range of customization options; you can easily add coverage for:


- Bicycle theft
- Broken glass
- Negligence
- And even for damage that happens while moving apartments.


In addition, should an insured event leave you unable to reside in your home, the plan covers hotel or rental costs for 180 days, providing you with six months of financial breathing room during tough times.


Customers can get assistance in English via email, chat, video, and voice calls any day of the week. 


Plus, managing your policy, from sign\-ups to claims, is a breeze, thanks to the Feather app. 


Overall, Feather’s Extended coverage is a perfect blend of affordability, flexibility, and excellent customer service—a smart choice for those looking for a mix of quality, peace of mind, and communications in English.

### Disclaimer


*This is our list, and with 7\+ years of insurance experience and great client reviews, we feel that we’ve earned a top spot for expats in Germany. That said, feel free to take it with as many grains of salt as you’d like.*


*Please note that the strengths and weaknesses related to coverage details are based on this specific plan.*




## **2\. AXA:** **Great premium option**


**Recommended plan:** L


**Starting price:** €5 per month




| **Pros** | **Cons** |
| --- | --- |
| ✅ Highly customizable | ❌ Poor online reviews on Trustpilot |
| ✅ Best performance guarantee in tariff L | ❌ Limited English support |
| ✅ Coverage for damage due to negligence in higher tariffs | ❌ With 3 main tariff options and 7 add\-ons, finding the right fit is challenging |


### Our take


AXA’s L plan is their **top\-tier** option, offering excellent benefits even though it starts at €5 per month. 


Its key feature is the **best performance guarantee**. If you find better coverage elsewhere, AXA will match it. This makes the L plan a strong choice for anyone who wants the best protection, no matter the cost.


This tariff also includes extra protection against damage from negligence, which is helpful for complete peace of mind.


However, there are some downsides:


- The Trustpilot rating is only [1\.4 out of 5](https://www.trustpilot.com/review/www.axa.de).
- There is limited English support.
- With so many tariff options and add\-ons, their coverage is anything but simple.


In summary, if you want top\-notch protection and are ready to pay a premium, AXA’s L plan offers great benefits and a performance guarantee that stands out in the market. Just be aware of their reviews and lack of English support.


### Disclaimer


*We focused on the L plan because we think it is worth your consideration if you want to have the best possible coverage. However, other insurance companies may offer similar benefits at this price range. AXA offers different plans with more or less comprehensive coverage, which may better suit your preferences. Visit AXA’s website for details.*


## **3\. Gothaer:** **Recommended for families**


**Recommended plan:** Can vary based on your family’s needs


**Starting price:** €3\.06 monthly




| **Pros** | **Cons** |
| --- | --- |
| ✅Innovation clause included in all tariffs. | ❌Limited English support |
| ✅ Extended coverage for children’s belongings when they move out for the first time | ❌Poor online reviews on Trustpilot |
| ✅ Gross negligence included in all tariffs. |  |
| ✅Receive reimbursement for travel expenses if you need to cut your vacation short due to an insured event (in the Premium plan) |  |


Gothaer is an excellent choice for families, starting at just €3\.06 per month. 


This plan is **built to grow with your family**. For example, when your children move out for the first time, they get extra coverage. 


There are three levels of coverage: Base, Plus, and Premium. 


In the Plus plan, children setting up their households are **covered for up to €20,000 for six months**. The Premium plan extends this protection to **12 months**, so it’s difficult for us to recommend one specific plan from Gothaer. 


In the Premium plan, you can even get **travel cost compensation** if you cut your vacation short due to an insured event at home. And, you also get protection during moves and **coverage for theft and pickpocketing** up to €3,000\. 


Gothaer also has an “**innovation clause**” in all plans. 


This means that if changes are made solely for the benefit of customers—like covering extra risks or increasing coverage amounts—you automatically get those improvements without additional cost.


However, there are a few downsides:


- Support is only available in German
- Their Trustpilot rating stands at [2\.3 out of 5](https://www.trustpilot.com/review/gothaer.de), with only 30% of reviews being 5\-star.
- Also, the basic plan has limited coverage for valuable items.


Overall, Gothaer offers strong, family\-oriented coverage with valuable features that grow as your family does. It’s a solid option if you need comprehensive protection, but be aware of the language barrier and potential challenges with customer service.


### Disclaimer


*In this section, we focused on multiple plans because Gothaer’s plans seem to offer some value to families in different situations. Still, other companies may provide comparable coverage, sometimes at a higher or lower price. Please visit Gothaer’s website for more details.*


## **4\. Ammerländer:** **Recommended for digital protection**


**Recommended plan:** Excellent


**Starting price:** From €3\.00 per month




| **Pros** | **Cons** |
| --- | --- |
| ✅ Unique features like psychological care after incidents | ❌ Significant price increase for those living in big cities |
| ✅ 100% coverage for valuables in higher\-tier plans | ❌ Limited English support |
| ✅ Extensive cyber protection in top\-tier plans | ❌Digital protection is only applicable in the most expensive plan |


Starting at just €3\.00 per month, Ammerländer is perfect for those who want **strong digital protection**. 


Ammerländer uses a 4\-tiered system: Classic, Comfort, Exclusive, and Excellent. The Excellent plan gives you top\-tier digital protection (including coverage for online trading fraud and smart home devices).


Another of the standout features is the unique offering of psychological care after events like fire, robbery, or burglary. 


The company is highly rated with a Trustpilot score of [**4\.2/5**](https://www.trustpilot.com/review/www.ammerlaender-versicherung.de). However, customer support is mainly in German, which might be a drawback if you need help in English.


Overall, Ammerländer is a strong option if you’re comfortable with German\-language services and need extra digital protection. Its comprehensive coverage and unique features make it a standout choice for those who want more than just basic insurance.


### Disclaimer


*We focused on the Excellent plan because it offers the best digital incident coverage, which is a useful feature for some. However, Ammerländer offers a range of plans that cater to individuals in different situations, which could offer better value depending on your priorities. Visit Ammerländer’s website for more information.*


## **Our methodology, step\-by\-step**


### 1\. Identifying top contenders


Our process begins by consulting with our internal insurance experts to identify 15 potential contenders. 


Their insights and industry knowledge helped us establish an initial list of companies offering some of the best household contents insurance policies.


### 2\. Data collection


We then proceeded with gathering detailed data by:


- Obtaining quotes and policies: We requested quotes and acquired sample policies from each of the 15 companies. This resulted in a pool of approximately 50 distinct policies, providing a broad spectrum for comparison.
- Document review: Each policy was scrutinized to extract key details such as:
	- Price: The overall cost of the plan.
	- Coverage: Specific benefits and services included.
	- Exclusions: What is not covered by the plan.
	- Coverage Limits: Maximum amounts payable.
	- Deductibles: Out\-of\-pocket costs required before coverage begins.


### 3\. Reading the fine print


Our review extended beyond headline figures. We delved into the fine print of each policy, ensuring that we understood each plan’s nuances and potential limitations. 


### 4\. Customer sentiment evaluation


We reviewed customer feedbackby leveraging customer reviews on Trustpilot as a satisfaction indicator. 


However, we acknowledge that this metric may introduce a negative bias (given that dissatisfied customers are more inclined to leave reviews), yet it is a helpful proxy.


**Please note:** A more rounded view of customer sentiment could be achieved by consulting other review platforms such as Google Reviews, Yelp, and similar sites. Also, the customer review data was last updated on February 25, 2025\.


### 5\. English\-speaking support assessment


Lastly, we evaluated the responsiveness and quality of each company’s customer service by contacting each company’s helpline on 10 separate occasions spread over three weeks. These interactions were conducted at various times and days to ensure a representative sample of their service capabilities. 


Specifically, we assessed whether the companies could connect us to an English\-speaking representative.

[BP] best contents insurance germany

 what is household contents insurance and what does it cover hero image

medium_home-insurance-germany.png

small_home-insurance-germany.png

thumbnail_home-insurance-germany.png

home-insurance-germany.png

What is household contents insurance? What does it cover?

Like most insurances, household contents insurance is what you wish you had gotten after something happens like a burglary or fire. Plans also start €2\.5 per month depending on the size of your home and the amount of coverage you want. 


## What can you expect from your household contents insurance coverage?


There will most likely be different reasons why you’ll need to use household contents insurance, so we can start off with an example: 


Imagine Charlie has moved to Berlin to freelance and is told that he needs to get household contents insurance by a coworker. After signing up and working for a few years, the apartment underneath his catches fire. 


The fire starts right after Charlie leaves to go see a new client, so he is unaware of what is happening. While someone is able to save his dog, everything else in the apartment is too damaged to be salvaged and fire has made it unsafe to live in. The damages include a lot of technology that Charlie normally uses when working. If Charlie’s dog has any injuries, he could make use of his [dog health insurance](https://feather-insurance.com/pet-health-insurance/dog).


Household contents insurance would not only cover replacements for things in the home, but it would also cover an apartment for Charlie and his dog to stay in while they search for a new place to live.


He will need to provide pictures and photos of the contents in his home when filing the claim. This can all be done from his Feather account.


## **What exactly is covered?**


Household contents insurance covers everything in your house that’s not part of the structure. This includes:


- Furniture, rugs, carpets, and decorations;
- Clothing;
- Electrical appliances;
- Curtains and blinds;
- Cash and valuables like jewelry (in limited amounts).



[Get a quote](https://feather-insurance.com/household-insurance)

## **When can I ask for compensation?**


Most household insurance policies cover a wide variety of incidents (known as *insured events*) that result in damage to or loss of property. Coverage under the Feather policy includes: 


- Damage by fire and lightning;
- electrical surges;
- explosions;
- civil unrest;
- strikes;
- Loss of or damage to property caused by burglary and attempted burglary and robbery;
- Damage caused by tapwater and leaks (e.g. if a pipe bursts and damages your stereo system, you’ll be reimbursed);
- Damage caused by acts of nature, including storms and hail.


In many cases, you can also be compensated for costs related to insured events, including:


- Hotel stays, if the damage renders your home unusable;
- The cost of changing locks (e.g. following a burglary);
- Transport or travel costs (e.g. if you need to return from a trip in order to handle your affairs following an insured event).


## **Are my belongings insured even when they’re not in my home?**


For the most part, your policy covers property inside the insured location on your contract. But in some cases, it may also cover theft of belongings that are temporarily outside the home (e.g. if your gym bag or purse is stolen at your office or fitness studio). 


## **When does my contract start and how can I end it?**


Your policy begins from the day agreed upon in the contract with the condition that the first payment is made on time. If you’re late, this means that you might have to contact us to see when your insurance will start. 


You have the right to cancel your contract at any time, and your policy will be inactive from the moment we get your request (or the date named on your termination). 


Looking for other [add\-ons insurance plans](https://blog.feather-insurance.com/supplemental-insurance/) like dental or legal insurance? Explore all our plans below:



[Take a look](https://app.feather-insurance.com/questionnaire/year_of_birth?utm_source=blog&utm_medium=organic&utm_campaign=what_is_household_contents)

Other policies

[BP] what is household contents insurance and what does it cover

 health insurance expats guide hero image

medium_01-Header-image-2.png

small_01-Header-image-2.png

thumbnail_01-Header-image-2.png

01-Header-image-2.png

Definitive Guide to Health Insurance for Expats in Germany

Today, we’ll show you precisely what you need to know about health insurance for expats in Germany.


Here’s what we’ll cover today:


- Learn if you need German health insurance and how it works.
- Discover the different types of health insurance and their benefits.
- Get some actionable tips on choosing your health insurance as an expat.


Without further ado, let’s get started.

## **Do I need health insurance as an expat in Germany?**


All expats living in Germany need health insurance for the entirety of their stay, including their family and dependents.


It has been legally required for every German citizen since the 2009 [Fifth Book of the Social Code](https://www.gesetze-im-internet.de/englisch_sgb_5/englisch_sgb_5.html) amendment. The law requires citizens to obtain insurance through either the statutory or public system, or private health insurance.


The goal is to ensure expats can access [Germany’s healthcare system](https://feather-insurance.com/blog/health-insurance-germany-guide/) without worrying about the financial repercussions of expensive treatments. 

## **What health insurance do I need?**


Expats can choose between two types of health insurance in Germany: statutory (public) and private. 


The type of insurance you need depends on your job, visa, income, and how long you plan to stay in Germany. 


We’ll break each of your options for you in more detail later in this post, but here’s a quick rundown so you can skip ahead to the section that’s important to you:


**Public health insurance:**


- is mandatory for employees earning less than **73,800**.
- is cheaper for those with multiple dependents.


**Private health insurance:**


- allows you to access the best treatments available in Germany.
- is cheaper for young, healthy individuals.
- is easy to access for freelancers.


**Expat health insurance:**


- is the best insurance for visa and [chancenkarte applicants](https://feather-insurance.com/blog/chancenkarte-how-to-apply/).
- is the cheapest of all insurance options.
- can only be taken out if it’s your first health insurance AND you’re not an employee of a German company.


### **Public Health insurance (Gesetzliche Krankenversicherung or GKV)**


Most expats in Germany enroll in public health insurance. This system covers about 90% of citizens. 


When you start a new job, this is what you can expect:


- Your employer will ask you to choose between providers like [TK](https://feather-insurance.com/health-insurance/public/tk), [Barmer](https://feather-insurance.com/health-insurance/public/barmer), or [DAK](https://feather-insurance.com/health-insurance/public/dak).
- You will complete an [online public health insurance](https://feather-insurance.com/health-insurance/public) registration form.
- Your employer will then automatically enroll you into the Social Security system, which includes your health insurance.
- You and your employer then share the cost of insurance until the end of your employment.
- You'll receive confirmation of your coverage within a few days. Here's [how long it takes to get public health insurance in Germany](https://feather-insurance.com/blog/public-insurance-when-approved).

You can opt out of public insurance only if you meet at least one of these conditions:


- You earn more than EUR **73,800** annually as an employee (as of 2025\).
- You are self\-employed or a freelancer.
- You are a civil servant.
- You are a student over 30 years old.


If you decide to opt\-out, you will need private health insurance.


### **Private Health Insurance (Krankenversicherung or PKV)**


You can choose private insurance if you are eligible based on income or job status (criteria are listed above). It covers around 10% of people living in Germany.


*In most cases*, private insurance provides better coverage and is cheaper.


Unlike public insurance, privately insured individuals must first obtain an employer certificate (Arbeitgebersbescheinigung) to get their employer to share the cost of insurance.


### **Expat Health Insurance (International Health Insurance or Incoming Insurance)**


If you’ve moved to Germany as an expat and still need to secure insurance through public or private providers, this insurance covers you in case of accidents, emergencies, and new illnesses.


The most common use case for this type of insurance is for visa applications, for freelancers and [American expats](https://feather-insurance.com/health-insurance/expat/short-term/us). 


This insurance provides coverage for up to 5 years from the date you enter Germany. If you want coverage for more than 5 years, consider [long\-term expat insurance](https://feather-insurance.com/income-protection-insurance).


*Generally*, it’s the most affordable health insurance available to expats. However, you must fulfill at least one of the eligibility requirements:


- You’re looking for your first health insurance plan.
- You’re seeking a health insurance plan for your visa or [Chancenkarte application](https://feather-insurance.com/blog/chancenkarte-how-to-apply/).
- You have German citizenship but have never lived in Germany.


Also, you won’t be able to obtain this type of insurance if you:


- Are employed by a German company and earn over €520 per month.
- Have lived in Germany for over 5 years.
- Are older than 75\.
- Are applying for a secondary visa or visa renewal.
- Have pre\-existing conditions with treatment costs exceeding €416\.66 per month.
- Need permanent or high levels of care.
- Are a professional athlete.

## **How much is health insurance for expats in Germany?**


The cost of health insurance for expats in Germany can drastically vary based on:


- If you opt for public, private, or expat health insurance
- Your employment status and income
- Your provider
- Your level of coverage
- Your age


### **How much is public health insurance for expats?**


Public health insurance for expats costs between €400 and €1,000 per month. You’re only expected to pay half, as your employer will cover the rest. 


The actual cost of public insurance is proportional to your income:


- If you earn over €5,512\.50 per month, your contribution will be based on that amount.
- If you earn less than €1,178\.33 per month, your contribution will be based on that amount.
- If you earn anywhere in between, your contribution will be based on your income.


Here is what your contribution is made up of in 2025:




| Cost Factor | Price | Additional note |
| --- | --- | --- |
| Health insurance | 14\.6% of your income | This is the same across all public health insurers in Germany |
| Provider\-specific additional contribution | 1\.2% – 2\.7% of your earnings | Your public health insurance provider sets it. |
| Long\-term care insurance | 3\.40% of your income | It decreases by 0\.25% per child (max 1%); if you’re over 23 and have no children, you pay an additional 0\.6%. |



[Calculate your public insurance cost](https://feather-insurance.com/health-insurance/public)

### **How much is private health insurance for expats?**


Your monthly premium for private insurance is dependent on a few factors:


- Your age
- Your health status
- The level of coverage you choose


So, for example, if you join at a young age with no [preexisting conditions](https://feather-insurance.com/blog/pre-existing-conditions/), your premium will be lower than if you enter when you’re older or have chronic health problems. 


At Feather, the price of private health insurance averages between €371 and €556, but you’ll only pay half. 


Like public health insurance, you and your employer split the cost of your private health insurance, each paying 50%. 


However, the split changes if your private insurance costs more than your employer would pay for statutory insurance. Here’s a quick breakdown:




| Insurance Plan Cost | Employer Contribution | Employee Contribution |
| --- | --- | --- |
| Less than €1,020 | 50% of the plan cost | 50% of the plan cost |
| More than €1,020 | €510 | Plan cost minus €510 |



[Calculate your private insurance cost](https://feather-insurance.com/health-insurance/private#calculator) 

### **How much does expat health insurance cost?**


Expat health insurance at Feather starts at €72 per month and goes up to €134 monthly for plans with more extensive coverage.


Unlike private or public health insurance, the price of expat health insurance is the same for everyone.

## **Public vs private: Which is better for expats?**


It depends on your situation and needs.


This should help you understand the general factors to consider when deciding whether public or private insurance is better for you.


Generally speaking, if you’re eligible, private health insurance is the better option. Here’s why:


- It’s *usually* cheaper than public insurance.
- Far better coverage. You get the best available treatment, whereas you get “economically sensible” treatment with statutory insurance.
- You get cash backs if you’re not using the insurance.
- You get access to more doctors, as some only treat private health patients.


But, don’t sign up for private health insurance just yet, because there’s some nuance. If you’re not single, young, and healthy, considering public health insurance might be a good idea. Here’s why:


- With private health insurance, you have to add each family member to your policy, which can get a little expensive.
- With private insurance, your risk profile determines your cost. Hence, it can become expensive if you’re older or less healthy.

## **5 steps to get German health insurance**


1. **Choose Between Private, Public, or Expat health insurance**


Determine if you qualify for private or expat health insurance or must get statutory health insurance. 


Since this is such a complicated question, we’ve created a [recommendation tool](https://app.feather-insurance.com/recommendation-tool) for you to identify which is better for you.


2. **Choose a Health Insurance Provider**


You should explore various health insurance providers that tailor services to expatriates. 


Compare their benefits, coverage options, and costs. Opt for a provider with excellent reviews ([Feather’s rating is 4\.9/5](https://www.trustpilot.com/review/feather-insurance.com)) and those offering English\-speaking customer service.


3. **Complete the Application Form**


You can complete your application form online on our website. Make sure all your information is accurate, up to date, and complete to avoid any administrative hassles down the road.



[Complete application form](https://feather-insurance.com/health-insurance)

4. **Get Insured**


If you’ve completed your application form, you should wait a few days until your provider confirms if you’re eligible for your preferred policy. 


Once you complete that, you should receive important documents:


##### If you are privately insured (PKV)


Once your application is approved, you will receive:


Your Confirmation of Coverage (Versicherungsbescheinigung), which you’ll need for visa applications. 


You’ll also get a Letter for Employer, which you’ll need to get your employer to pay you their part of the contribution. You’ll also need it to enroll at a university, change employers, or join an employment agency or a job center. 


Once your policy is active, our team will directly upload these to your account.


You won’t receive an insurance card because you’ll pay for medical expenses upfront, and your provider will reimburse you after reviewing your claim.


##### If you are publicly insured (GKV)


For public health insurance, you’ll receive a health insurance card (Versichertenkarte). Unlike private insurance, you won’t need to pay bills by yourself. Instead, you must present your insurance card to access healthcare services. 


5. **Pay Your Premiums**


The method and frequency of premium payments will vary depending on whether you are under a public or private plan. 


#### **Paying premiums with Public Health Insurance**


You won’t need to worry about paying for your insurance. The premiums are automatically deducted from your salary if you’re employed.


#### **Paying premiums with Private Health Insurance**


At Feather, your payment is debited automatically on the 1st of the month.


The 1st payment is debited once your coverage is confirmed and active. If the start date for your coverage is in the past, the first payment will be made as soon as the coverage is confirmed.


You should note that your bank account is debited the total monthly payment. Your employer pays his share of the insurance to your bank account simultaneously with your salary. 


## What is covered by health insurance in Germany?


In Germany, the type of health insurance you choose—public or private—and the provider you select determine what medical services and benefits expats receive. 


Here’s a breakdown of the general services covered by both public and private health insurance:


- In\-patient hospital services: includes care when you stay in the hospital overnight.
- Out\-patient hospital services: covers treatment where you do not need to stay overnight.
- Dental care: covers basic procedures and check\-ups.
- Medications: covers all prescribed generic drugs.
- Ambulance services: Transportation in case of emergencies.


Below, we compare the differences in coverage between public and private insurance at Feather:


### General Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| General doctors’ visits | 100% | 100% |
| Specialists | 100% | 75\-100% |
| Medication | 90% | 80\-100% |
| Vaccinations | 100% | 100% |
| Transportation | 100% | 100% |
| [Income protection](https://feather-insurance.com/income-protection-insurance) | Limited to €3,491 per month | Up to 100% of net income per month |
| Digital health apps | Certified apps | 80\-100% |


﻿


### Dental Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| Annual coverage limit | Limited | Up to unlimited |
| Dental checkups | 100% | 100% |
| Dental cleanings | Not included | 1\-2x per year |
| Dentist procedures | 100% | 100% |
| Inlays | 30% | 70\-90% |
| Tooth replacement | 50% | 70\-90% |
| Orthodontics for children | 80\-100% | 70\-90% |


﻿


### Treatment and Therapies Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| Preventive care treatments | Partially covered | 100% |
| Therapeutic measures | 90% | 80\-100% |
| Mental health therapy | 100% | 70\-100% |
| Radiation therapy | 100% | 100% |
| Natural health treatments | 100% | 80% |
| Medical aids | 75\-90% | 80\-100% |


﻿


### Vision Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| Vision aids | Not included | €150\-€450 every 2 years |
| Refractive eye surgery | Not included | €3,000\-€5,000 |


﻿


### Pregnancy and Childbirth Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| Pregnancy coverage | 100% | 100% |
| Fertility treatment | Rarely | 80\-100% |
| Midwife support | 100% | 100% |


﻿


### Hospital Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| Board and room | Shared room | Shared room to private room (1\-2 beds) |
| Private hospitals | Not included | Included |
| Treatment by a head physician | Not included | 100% |


﻿


### Outside of Germany Coverage




| Benefit | Public | Feather Private Insurance |
| --- | --- | --- |
| Worldwide coverage | Included | Included |
| EU\-wide coverage | Partially covered | Included |
| Repatriation costs | Not included | Included |

## Health Insurance FAQ







### Are pre\-existing conditions covered by health insurance?

Public healthcare plans include, by law, coverage for all pre\-existing conditions. 


On the other hand, private insurers are not required to cover you for pre\-existing conditions. Here’s what they could do:


- Refuse coverage for individuals with existing health conditions
- Impose higher costs depending on the person’s medical background
- Deny to cover specific ongoing or planned treatments
- Provide full coverage; not all conditions will result in changes!


The only way to know for sure is to [apply for private health insurance](https://feather-insurance.com/health-insurance/private).





### Does My Health Insurance Plan Cover My Family as well?

If your family lives in Germany, they must be registered with a health insurance provider. 


If you have public health insurance, your policy covers your family members. There’s one condition: your dependents must not earn more than €538 per month.


Here’s who your public policy can cover:


- Your spouse or civil partner under the Civil Partnership Act
- Your biological and adopted children, typically until they turn 18\. If they are not employed, coverage may extend until age 23\. If they are in school, vocational training without pay, studying, or doing volunteer work abroad without pay, coverage may extend until age 25\.
- Children of your family\-insured children
- Stepchildren and grandchildren living with you
- Foster children, as long as they are not under professional care


If you have private health insurance, you can cover your family members for an extra cost. However, they cannot earn more than €470 per month; if they do, they will need their own policy.


Here’s who your private policy can cover:


- Your biological or adopted children
- Your spouse or registered life partner


Please note that private health insurance may not cover certain health conditions and treatments, such as asthma, arthritis, cancer, diabetes, ADHD, mental health conditions, and recent or longer\-term psychotherapy.





### How do I find an english\-speaking doctor for expats in Germany?

Finding a doctor in Germany is hard if you don’t speak the language. Luckily, there are resources online to [help you find an English\-speaking doctor](https://feather-insurance.com/blog/tips-for-finding-a-doctor-in-germany/) (or your native language). 


For example, Doctolib is an all\-in\-one doctor search and booking tool. After choosing the type of doctor you’re looking for and the area code you’re searching in, you can filter doctors by:


- Languages spoken
- Whether they take private or public insurance
- Dates of availability


After you find a doctor who fits your needs, you can make an appointment through [their platform](https://www.doctolib.de/).





### What are the health insurance requirements for expats in Germany?

In Germany, the health insurance requirements for expats state the policy must cover a range of medical treatments and services. 


Specifically, your insurance must provide “adequate” medical care in these areas:


- Medical Coverage:
	- Visits to doctors
	- Access to dentists
	- Access to psychotherapists
	- Hospital treatments
	- Medical rehabilitation
	- Home nursing
- Supplies and Medicines:
	- Necessary medicines, like prescriptions.
	- Medical dressings, like bandages.
	- Medical devices, like pacemakers
	- Medical aids, like crutches
- Additional benefits:
	- preventive and rehabilitation measures
	- midwifery services during pregnancy and maternity
	- artificial insemination
	- non\-prescription pharmacy\-only medicines
	- household help


On top of that, another requirement for your health insurance is cost\-effectiveness. Treatments and services covered must be sufficient and appropriate without being overly expensive. 


[BP] germany health insurance expats guide

medium_01-Header-image-14.png

small_01-Header-image-14.png

thumbnail_01-Header-image-14.png

01-Header-image-14.png

What is the best legal insurance in Germany? Here's our top 4 of 2026

Did you know that about [40% of German households](https://academic.oup.com/book/36825/chapter-abstract/321993776?redirectedFrom=fulltext) have legal insurance? That’s a lot of savvy people protecting their rights! 


Why? 


Let’s say you’re caught in a legal tangle in Germany… 


Maybe it’s a dispute with your landlord, a work contract gone wrong. Or maybe your boss hands you a surprise contract change that seems… well, illegal. 


Now, the million\-euro question: Are you prepared for the potential financial impact of hiring a legal team?


That’s where legal insurance kicks in, and covers the costs for you.


But with so many insurance companies out there, how do you choose the best legal insurance?


Well, don’t worry, we’ve got you covered. We went ahead compared 20 different companies, and analysed their policies to help you get started in your search for the best fit.


Let’s get started!


##What is legal insurance and why do you need it?


[Legal insurance](https://feather-insurance.com/legal-insurance), or “[Rechtsschutzversicherung](https://feather-insurance.com/de-de/legal-insurance)” in German, is your financial backup plan for legal disputes. 


Here are some common legal issues you might face:


- Employment disputes (unfair dismissal, wage claims)
- Tenancy conflicts (security deposit disputes, eviction threats)
- Traffic violations and accidents
- Consumer rights issues (faulty products, service disagreements)


German courts handle [over a million civil cases annually](https://rm.coe.int/germany-2021-data-/1680ab89b8), That’s roughly one case for every 83 Germans.


And those don’t come cheap:


- The average lawyer charges between €180 to €500 per hour.
- Court fees range from a few hundred to several thousand euros, depending on the case.


Without insurance, every cent comes straight from your bank account. Even if you win.


**So, how does legal insurance work?** Let’s say your employer dismisses you and refuses to give you your three months notice. With legal insurance, you can:


1. Contact your insurance provider
2. Get connected with a lawyer, or choose one on your own
3. Pursue your case without worrying about legal fees


Your insurance typically covers:


- Lawyer fees
- Court fees
- Expert witness expenses
- Costs of the opposing party if you lose the case (ouch, but at least you’re covered!)


You pay a monthly or yearly premium, and when legal trouble strikes, you’re covered up to your policy limit.


**Need more details on legal insurance?** [**Check out our comprehensive guide.**](https://feather-insurance.com/blog/legal-insurance-germany-guide)


**Now that we’ve got the basics covered, let’s get to the list of what we think are great options for legal insurance.**


### Disclaimer


*Policy details can vary, as insurers offer multiple plans. We selected the one we found most noteworthy, but exploring your options may lead you to a better fit. Our rankings are based on a specific methodology, which we encourage you to review to see if it aligns with your priorities. While we strive for accuracy, the decision is ultimately yours, and speaking with an insurance expert can provide more personalized guidance than this article.*


## Where to start looking for the best legal insurance in Germany




| **Provider** | **Recommended for** | **Trustpilot reviews** | **English Support** | **Monthly price** |
| --- | --- | --- | --- | --- |
| Feather | English speakers | [4\.8/5](https://de.trustpilot.com/review/feather-insurance.com) | Available | From €13\.51 |
| Advocard | Additional services | [1\.5/5](https://de.trustpilot.com/review/advocard.de) | Limited | From €35\.44 |
| HUK\-COBURG | Seniors | [3\.9/5](https://de.trustpilot.com/review/www.huk.de) | No | From €14\.71 |
| Allianz | Customizability | [4\.1/5](https://de.trustpilot.com/review/www.allianz.de) | Limited | From €14\.69 |


## Feather: For English speakers




| Pros | Cons |
| --- | --- |
| ✅Full English support. | ❌Does not cover immigration matters. |
| ✅Worldwide coverage. | ❌Not suitable for the self\-employed looking to protect their business. |
| ✅Free legal consultations when you first encounter legal challenges. | ❌In some cases, waiting periods of 3 or 6 months apply. |
| ✅Flexible cancellation. |  |
| ✅Add your partner to the policy for only €10 per month. |  |
| ✅You can go to any lawyer in Germany – there is no preferred network. |  |


Feather’s legal insurance is a smart choice for expats in Germany, especially if you prefer dealing with matters in English.


One of the great things about Feather is their online reputation: it is the best rated insurance company in Germany, scoring [4\.8 out of 5](https://www.trustpilot.com/review/feather-insurance.com) on Trustpilot.


The 100% digital services make it easy to understand and manage your policy without any language barriers. 


Plus, at just €13\.51 per month, it’s one of the most budget\-friendly option in our analysis.


Feather offers two legal insurance plans:


- **Basic Plan:** Provides coverage up to €250,000 and covers personal, traffic, and professional areas.
- **Advanced Plan:** Coverage jumps up to €500,000 and includes extra benefits like home and criminal protection.


While Feather has many advantages, there are a few drawbacks:


- **Limited scope:** the policy does not cover immigration matters or situations where self\-employment is your primary occupation.
- **Offline support:** If you prefer in\-person interactions, you’ll need to opt for another company, as Feather only offers support via video calls, emails and chat.


Overall, Feather stands out with its clear focus on the needs of expats, making legal insurance less of a headache. With easy policy management and a flexible, customer\-friendly approach, it’s a reliable choice for those living in Germany.



Sign up for legal insurance

### Disclaimer


*This is our list, so we can’t be completely unbiased. But, backed by more than seven years of insurance expertise and excellent client feedback, we feel we’ve earned a top spot among expats for German legal insurance. Naturally, you’re encouraged to weigh our suggestions with your judgment.*


## Advocard: For additional services




| Pros | Cons |
| --- | --- |
| ✅Comprehensive digital protection | ❌ Highest starting price |
| ✅Free legal consultations when you first encounter legal challenges. | ❌ Limited English support |
| ✅High coverage limit | ❌ Yearly cancellation only |
| ✅Additional services like fine checks, employment reference checks, and contract checks available | ❌ Complex range of services may be confusing for some users |
| ✅ID\-Protect service to protect personal data on the Internet from identity theft | ❌ Higher premiums may not be justifiable for those who don’t need all the additional services |


Advocard offers a lot beyond ordinary legal protection. 


They offer extra services like:


- Personal digital data protection
- Support for tax legal protection (right after you file an objection)
- Family and inheritance law issues, such as child access rights after a separation.
- Legal advice up to €1,000 per year on topics that are not insured.
- 24/7 telephone and online legal advice.


While Advocard offers a lot, there are a few things to keep in mind:


- The monthly cost is the highest in our review, at €35\.44\.
- Advocard has limited support in English, which could be a challenge for expats.
- You can only cancel after one year, which means less flexibility.
- They have the worst online reviews from our rating, averaging [1\.5 out of 5](https://de.trustpilot.com/review/advocard.de), with 89% of reviews being 1\-star.


Overall, Advocard is the best choice if you value comprehensive legal and digital protection along with extra services. However, consider the higher cost, online reviews and language limitations before making your decision.


### Disclaimer


*We focused on Advocard’s 360° Privat plan, because we’ve found it to offer some of the most comprehensive benefits on the market. Still, other companies may offer similar coverage at a different cost. Please note that the strengths and weaknesses related to coverage details are based on this specific plan. Advocard also offers more affordable plans (with a coverage tradeoff); please visit Advocard’s website for more information.*


## HUK\-COBURG: For seniors




| Pros | Cons |
| --- | --- |
| ✅Senior\-specific plans | ❌ No specific English support |
| ✅Comprehensive family coverage | ❌ Yearly cancellation only |
| ✅Free initial legal consultation | ❌ Billed annually, with no other payment options |
| ✅24/7 emergency call service | ❌ Limited online services compared to other companies in this post |


HUK\-COBURG offers specialized plans for people over 60\. Their “Rechtsschutz60” plan is designed just for retirees. 


It covers the same areas as private and traffic legal protection, and it even offers coverage for retirement benefits disputes. However, its coverage regarding employment matters is more limited. 


HUK\-COBURG provides extensive protection. You get comprehensive family coverage and a high coverage limit of €5 million. There is also a 24/7 emergency call service available.


They also have a decent online reputation, averaging [3\.9 out of 5](https://de.trustpilot.com/review/www.huk.de) on Trustpilot. 


Overall, HUK\-COBURG’s “Rechtsschutz60” is a well\-rounded option for seniors. It offers strong legal protection and affordable pricing, making it an ideal choice if you are over 60 and want a plan designed with your needs in mind.


### Disclaimer


*We focused on the Rechtsschutz60 plan because we believe the senior population is an underserved market and this tariff deserves additional publicity. However, HUK\-COBURG also offers a range of plans designed for individuals of all ages, many of which may offer comparable benefits and competitive pricing. We encourage readers to visit HUK\-COBURG’s website for details.*


## Allianz: For customizable plans




| Pros | Cons |
| --- | --- |
| ✅Highly customizable plans | ❌ Limited English support |
| ✅Worldwide coverage | ❌ Yearly cancellation only |
| ✅High coverage limit | ❌ Complex plan structure may be confusing for some customers |
| ✅Mediation costs covered for out\-of\-court settlements |  |
| ✅Premium tariff includes document checks and advice on will creation, parental allowance, pensions, and care |  |


Allianz offers highly **customizable legal insurance plans**. 


They let you choose and adjust your coverage to match your specific requirements. 


With flexible tariff options, you can select from Base, Smart, Comfort, or Premium plans—each offering different levels of legal protection. 


Additionally, the modular structure means you can **add or remove coverage** types, like private, professional, traffic, housing, social, and administrative protection. 


Overall, Allianz is a great choice for those who want a legal insurance plan that adapts to their lifestyle. With its customizable structure, you can build a policy that meets your exact needs, making it a strong option for anyone looking for tailored legal protection.


## Our methodology


Below is an overview of how we researched the companies featured in this post:


1. **Expert consultations**: We began by consulting our in\-house insurance experts to identify 20 potential contenders.
2. **Policy collection and analysis**: We obtained quotes and sample policies for each company’s plans, gathering approximately 50 policies for comparison. We then carefully examined the fine print, focusing on price, coverage, exclusions, limits and deductibles.
3. **Customer feedback assessment**: To gauge customer satisfaction, we reviewed Trustpilot ratings as a proxy. (Please note that this metric may carry a negative bias, as dissatisfied customers tend to leave reviews more frequently than those who are satisfied.) For a broader perspective, we recommend checking additional sources such as Google Reviews and Yelp. We updated these ratings on February 7, 2025\.
4. **Helpline evaluation** We contacted each company’s helpline 10 times over three weeks, at various times and days, to confirm whether they could connect us with an English\-speaking representative.


## Conclusion


Here is our list of what we believe are the top contenders for the best legal insurance in Germany. 


While we have provided a comprehensive overview, the most impartial feedback comes from actual customers. 


We highly recommend reviewing a company’s online ratings to ensure the plan aligns with your needs, budget, and expectations. For personalized advice, consider consulting an insurance broker whose advice cannot be replaced by blog posts.


If you would like to find out whether Feather’s legal plans are right for you, feel free to [book a call](https://feather-insurance.com/support) with our experts. 

Support that clears the insurance confusion

Smooth setup, no status needed

Felt understood and supported

[BP] best legal insurance germany

 travel insurance trip cancellations hero image

medium_Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

small_Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

thumbnail_Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

Do You Really Need Travel Insurance for Trip Cancellation?

You’ve booked your flights, lined up the cosiest Airbnb and your holiday “to\-pack” list is coming together nicely. 


Whether it’s a weekend city break or a longer escape between remote working gigs, the countdown is well and truly on. 


But as any seasoned traveller knows, life doesn’t always go to plan.


An illness, a work emergency or even a cancelled event can suddenly derail your perfectly scheduled itinerary. When the unexpected happens, travel insurance for trip cancellation stops being a nice\-to\-have and becomes a trip\-saver.


For digital nomads, freelancers, and expats living abroad, travel insurance makes spontaneous living a whole lot less risky. 


In this guide, we break down exactly:


- What trip cancellation insurance covers
- When you really need it
- And how to find a policy that fits your lifestyle.


## What exactly is trip cancellation insurance?


Trip cancellation insurance is your financial safety net when your travel plans fall through before departure. 


It reimburses you for non\-refundable expenses like flights, hotel bookings, or prepaid tours if you have to cancel due to specific, unexpected events.


That means you don’t lose your entire investment if you get sick, lose your job, or have a family emergency that forces you to pull the plug on your holiday. 


It’s not just about peace of mind — it’s about not paying twice for the same trip.


## What does trip cancellation insurance cover?


Most reputable trip cancellation insurance policies will protect you against:


- Family emergencies or a death in the family
- Natural disasters or extreme weather that make travel impossible
- Unexpected job loss or a mandatory job obligation
- Legal or civic duties, like jury duty or court appearances
- Sudden illness or injury (for you or a travel companion)


Some policies go the extra mile by also offering “Cancel For Any Reason” (CFAR) coverage for maximum flexibility, particularly ideal for digital nomads whose travel plans are as fluid as their Wi\-Fi connections.


## What doesn’t trip cancellation insurance cover?


Even the very [best travel insurance policies](https://feather-insurance.com/blog/best-travel-insurance-germany/) have their limits. Most policies won’t reimburse you if you choose to cancel your planned trip because:


- You have changed your mind.
- You had a pre\-existing condition that was not disclosed in the policy.
- There was a change in your work schedule (unless covered).
- You missed your visa window.


It pays to always read the fine print — and if you don’t want to read the fine print, choose an insurer who will explain everything very simply.


## Who actually needs trip cancellation insurance?


Not every trip will require premium travel insurance coverage. 


However, if you’re spending some serious money on non\-refundable bookings, travelling long distances, or have any uncertainty around your schedule, it’s a sensible investment.


**You probably don’t need it if:**


- You’re travelling on a budget with fully refundable bookings.
- You’re flexible with dates and destinations.
- You’re using a credit card with decent built\-in coverage.


**You probably do need it if:**


- You’ve booked expensive flights or accommodations that aren’t refundable.
- You’re a freelancer or self\-employed.
- You’re travelling during cold/flu season or during a health crisis.
- You’re travelling with family, especially kids or elderly relatives.


### Why digital nomads and expats need travel cancellation insurance


When your office is anywhere with solid Wi\-Fi, flexibility isn’t just a perk — it’s a way of life.


But with that freedom comes unpredictability… 


Plans shift. Contracts change. Visas take unexpected turns. A client suddenly needs your time in person. Or maybe a family situation back home means rescheduling everything.


If you’re a digital nomad or long\-term expat, you’re likely booking international flights, long stays, and transport between multiple cities — all of which can come with high upfront, non\-refundable costs. 


Travel insurance for holiday cancellation gives you the confidence to book ahead, knowing that if life interrupts your itinerary, you’re not stuck footing the entire bill.


It’s not just about worst\-case scenarios either. It’s about supporting the lifestyle you’ve chosen. 


A missed opportunity shouldn’t also mean a missed rent payment. Trip cancellation coverage helps protect your travel investment so you can say “yes” to new adventures or last\-minute pivots without hesitation.


Feather’s [travel insurance](https://feather-insurance.com/travel-insurance) is especially well\-suited to this way of life. It’s fully digital, so you can manage everything from your phone — whether you’re in a Berlin coworking space or savouring the flavours of San Sebastian. 


And, with real human support that never leaves you stranded, it’s peace of mind you can actually count on. Think of it as part of your essential remote\-work toolkit, right alongside your backup charger and noise\-cancelling headphones.


## What makes Feather different?


There are many travel insurance providers out there, but if you’re looking for a policy that’s flexible, transparent, and digital, Feather could be the right partner.


Here’s why:


### 100% digital, zero paperwork


Forget printing forms or mailing documents. Feather is built for modern travellers: expats, nomads, and everyone who lives life through their phone. Sign up in minutes, manage your policy online, and get proof of insurance at your fingertips.


### Honest, human support


Feather’s support team isn’t paid on commission, so they’ll never try to upsell you or push a policy you don’t need. They’re real people who listen and guide you toward the right coverage for you — no fluff, no jargon.


### Real coverage for the realities of travel


Feather’s travel insurance includes trip cancellation as part of its comprehensive offering, alongside emergency medical, repatriation, and baggage loss. You’ll get the coverage protection you need, whatever happens.


### Trusted by expats across Europe


Feather is designed by and for people living internationally. Their experience with European healthcare systems and visa requirements means they know the ropes—and how to keep you covered from the day you book to the day you return.



## How much does trip cancellation insurance cost?


Surprisingly, less than you think. 


Travel insurance from Feather starts at just €25 a year for travel health insurance only. Or for €120 a year, cancellation protection, health coverage, luggage insurance, and more are included. 


When you’re investing hundreds or even thousands in a holiday, a few extra euros a day for insurance is a very small price to pay for a backup plan.


And with Feather, you won’t pay hidden fees or get caught up in confusing pricing tiers. It’s simple, transparent, and entirely online.


## Ready to travel smarter?


Trip cancellation insurance isn’t about being pessimistic—it’s about being practical. 


It’s for travellers who understand that plans change, life happens, and not everything goes to script. It’s for people who want freedom to explore the world, knowing they won’t be left financially stranded if things take an unexpected turn.


If you’re living abroad or working remotely, you already know the value of flexibility. So why not give yourself the flexibility to cancel without stress?


Don’t let uncertainty ruin your plans—or your bank account. Get travel insurance that works as hard as you do. Visit Feather Insurance today and discover digital\-first, people\-focused coverage designed for real life on the move.


Because the only thing better than booking your next adventure is knowing it’s protected.

In less than 2 minutes, all online and in English.

Sign up for travel insurance

Always helpful in a pinch.

Feather is my go-to.

Fast claims, friendly support

[BP] travel insurance trip cancellations

Young people looking at insurance options.

medium_public-hero.png

small_public-hero.png

thumbnail_public-hero.png

public-hero.png

How public health insurance works in Germany

Welcome to our comprehensive guide on [public health insurance in Germany](https://feather-insurance.com/health-insurance/public) for 2025\. 


In this guide, you will learn how to:


- Determine if public health insurance is for you.
- Select the best insurance company for you
- Calculate the **exact** cost of public health insurance


And if you’re new to Germany, we also have a guide explaining [how the German health insurance system works](https://feather-insurance.com/blog/health-insurance-germany-guide/), as well as [comparisons of public and private health insurance](https://feather-insurance.com/blog/public-vs-private-health-insurance-germany/).


With that said, let’s dive into the world of public health insurance.


## What is public health insurance in Germany?


Public health insurance, also called GKV or statutory insurance, is Germany’s most popular healthcare solution. It covers about 90% of the population, is usually mandatory for employees, and is highly recommended for most students. 


Here is what you need to know:


- Public health insurance provides solid benefits but lacks coverage in certain areas, so we recommend getting additional coverage (for example, with our [dental insurance policy](https://feather-insurance.com/dental-insurance)).
- The cost of statutory insurance is proportional to your income.
- You can change insurance companies yearly if you find one with better benefits, services, or lower premiums.
- Germany has over 100 statutory health insurance providers, but the best ones for English speakers are…
	- [TK](https://feather-insurance.com/health-insurance/public/tk)
	- [BARMER](https://feather-insurance.com/health-insurance/public/barmer)
	- [DAK](https://feather-insurance.com/health-insurance/public/dak)
- An alternative is [private health insurance](https://feather-insurance.com/health-insurance/private), but it has stricter eligibility criteria.



Here's what Julian Hennig, Head of Insurance at Feather, had to say:
“Private health insurance is an alternative to public health insurance for high\-income individuals and self\-employed individuals. It is a comprehensive insurance valid for all visas and residency permits. It offers numerous perks that public health insurance can’t match..”


## Who is public health insurance for?


### Employees


Employees under 55 years old earning less than €**73,800** per year must join public health insurance. Those earning more can also sign up, but only if it’s their first job in Germany or they are currently insured by public health in the EU. Otherwise, they have to go for private health insurance.


Luckily, employees also have the easiest time signing up, which will automatically start with the first day of work. If you don’t sign up yourself within two weeks, your employer will do it for you.


Read our [guide to private health insurance](https://feather-insurance.com/blog/health-insurance-guide-private-health-insurance).


### Students


Students must get health insurance coverage to be able to enroll in a German university. If you’re insured by your parents’ German family insurance, you can remain on it until you’re 25 years old. This also applies if you’re insured by your spouse’s policy. The only caveat is that you cannot work during that time.


If you’re over 25 or your parents live outside of Germany, you could also get discounted student health insurance.


For those over 30, it gets a little more complicated. You could sign up as a voluntary member, but it is much more expensive. The best alternative is [expat health insurance](https://feather-insurance.com/health-insurance/expat/short-term).


Read our guide to [health insurance for students](https://feather-insurance.com/blog/health-insurance-students-germany-guide/).


### Freelancers \& Self\-employed


Full\-time self\-employed individuals can choose between public or private health insurance. If you were insured for more than 24 four months in the last five years, you’d be accepted into the public system, no questions asked. The same thing applies to those insured for 12 or more months immediately before registering as self\-employed.


Members of the KSK are required to have public health insurance.


Read our guide to [health insurance for the self\-employed](https://feather-insurance.com/blog/health-insurance-germany-freelancer-guide/).


### Retirees \& Pensioners


If you worked in Germany and were publicly insured, you can stay with your current health insurance.


If you worked in the EU and were publicly insured, you can choose to sign up with a German public health insurance company. You’ll need to complete an S1 form, and you’ll receive the same benefits as with your home country’s insurance. 


## How much does public health insurance cost?


The cost of public health insurance is proportional to your income. The more you earn, the more you pay (up to a certain limit). In 2025, the limit is 62,100, meaning that if you earn more, your contributions (called [KV Breitag](https://feather-insurance.com/blog/the-difference-between-kv-av-rv-uv-and-pv-insurance-payments) in German) would be based on this amount.


In 2025, the contribution rate is 14\.6%, plus a company\-specific percentage (on average, it’s 2\.5%). However, TK’s CEO, Jens Baas, [says the cost of health insurance is expected to explode to 20%](https://www.rnd.de/politik/gesundheitssystem-wie-der-chef-der-tk-die-entwicklung-beurteilt-GHLH2PUCAREINKNRQWUHL2TKN4.html) by 2030\. You’ll also need to pay for long\-term care insurance, which is around 3\.6%.


On the bright side, whether it’s 14\.6% or 20%, employees and trainees won’t need to worry about paying the whole thing themselves. By law, employers must pay half of your contribution. 


Unfortunately, since the self\-employed, by definition, do not have an employer, they must pay the contribution rate independently. There are some workarounds, like becoming a KSK member.


Retirees’ health insurance cost is a mix of subsidized and unsubsidized payments. Here’s what we mean:


- With a statutory pension, retirees pay 7\.3%, with the Krankenversicherung der Rentner (pensioners’ health insurance) paying for the other 7\.3%.
- With a private pension or other types of income, they’ll pay the full contribution of 14\.6%.


As we mentioned earlier, [student health insurance](https://feather-insurance.com/blog/health-insurance-students-germany-guide/) is much more affordable, at around €130 monthly.


## What is covered by German public health insurance?


Generally, public health insurance covers all medically necessary interventions, with some preemptive measures also included, like cancer screenings. However, the exact coverage can vary from company to company. 


Here’s a general overview of what services are covered:




| Domain | Details |
| --- | --- |
| Specialists and general practitioners | You can freely choose your doctors. The only requirement is that they must participate in statutory health insurance. |
| Check\-ups and vaccinations | Check\-ups to detect and prevent diseases early are included.  Vaccinations are limited to “[standard](https://www.nali-impfen.de/impfempfehlungen/standardimpfungen/)” ones. |
| Long\-term illnesses | Therapies and treatments for long\-term or chronic illnesses are covered. |
| Accidents | Treatment and aftercare for accident\-related injuries are covered, too. |
| Medicines | Most medications are covered but require a 10% out\-of\-pocket payment from your end. The minimum is €5, and the maximum is €10\. For minors, the co\-payment is 0%. |
| Remedies | Treatments like physiotherapy, occupational therapy and speech therapy are covered. Like medicines, you’ll pay for 10% and an additional €10 per prescription. Once again, minors do not have to participate in the co\-pay. |
| Hospital stays | All hospital stays are covered, but you must pay for a €10 co\-payment per day, for up to 28 days. Minors are exempt. |
| Medical aids | Things like wheelchairs, hearing aids, prostheses, or crutches are covered if prescribed by a doctor. There is a 10% co\-payment (at least EUR 5\). |
| Cancer screening tests | Adults (women over 20 and men over 35\) are eligible for the full number of annual, medically recommended screenings. |
| Basic dental care | Basic checkups, pain relieving treatments, basic cleanings and fillings are covered 100%, aesthetic procedures aren’t covered |
| Dentures | 60% of denture costs are covered. Caveat: it only covers the most basic relevant procedure. If you want high\-quality, visually pleasing materials, consider getting [dental insurance](https://feather-insurance.com/dental-insurance). |
| Orthodontics | Usually, it only covers minors. |
| Medical repatriation | This is rarely covered, but if there is a strong reason to bring you back to Germany for treatment, your insurance will cover the travel costs. |
| Abroad treatments | Emergency treatments are covered in the EU, but only up to the cost that would be incurred for the same procedure in Germany.It’s highly recommended to obtain [travel health insurance](https://feather-insurance.com/travel-insurance) for trips outside the EU. |
| Psychotherapy | It will be covered if you have a diagnosis. |
| Alternative treatment | This varies from company to company. You should call the company’s helpline to determine if your desired treatment can be covered. |


## What is the best public insurer in Germany?


Overall, [TK (Techniker Krankenkasse)](https://feather-insurance.com/health-insurance/public/tk) is the best public insurer in Germany. Strong alternatives include DAK, BARMER, or AOK.


If you want to evaluate other insurers, you should consider three factors:


1. **The individual contribution** of the company. As we mentioned earlier, the average additional contribution is 1\.7%, the lowest is BKK Firmus’s 0\.9%, and the highest is BKK Textilgruppe Hof with 2\.8%.
2. **Their ability to communicate in English** (or in your preferred language). If you’re a fluent German speaker, this won’t be a problem, but if you’re not, this is crucial to ensure you can make the best use of your policy.
3. **Additional benefits they provide.** 95% of benefits and coverage are mandated by law and identical from one company to the next. However, the 5% remaining caters to different type of people. For example, if you want to reduce your premiums, you should look for a company offering deductibles. Or maybe you value special benefits for pregnancy and young families, in which case [public insurance with DAK](https://feather-insurance.com/health-insurance/public/dak) is your best bet.


## How to sign up for public health insurance


If you decide to sign up with one of our recommended insurance companies, the process is easy:


1. Click on the button below to compare them.
2. Click on the “Sign up” button of your preferred company.
3. Complete the questionnaire.
4. You will obtain a confirmation of coverage by email within 2 weeks.
5. When your application is approved, you can request your health card, which you can use to see a doctor (usually within 2\-3 weeks).



[Sign up to public health insurance](https://feather-insurance.com/health-insurance/public)

If you choose to sign up with another company, you can apply for membership by post, online, or personally at their office. The options that are available differ from one fund to another.


## How to switch between public health insurance companies


People with public health insurance can change health insurance, but there are some rules regarding notice and commitment periods. 


Here’s a step\-by\-step process for switching insurance:


1. To do this, you must have been with your current insurer for at least 12 months before you can switch.
2. There are two exceptions: if your employment changes (for example, with a new job or losing yours) or your insurer increases additional contributions, then you have a special termination right. This means you can switch immediately. You have a 14\-day window to enable this right.
3. If one of the cases above applies to you, then you can choose a new insurer.
4. Once you’re happy with your choice, you can apply for membership in a new health insurance fund. There’s no need to inform your current insurance company or your employer, your new insurer will handle all the details.
5. You’ll have a waiting period of two months before you actually switch insurers.





## Public Health Insurance FAQ







### Can I opt out of public health insurance in Germany?

Yes, you can opt out of public health insurance in Germany under certain circumstances. If your gross salary is more than €69,300 annually, or €5775 monthly, you can get private health insurance. 





### How do I pay for public health insurance?

To pay for public health insurance as an employee, your employer handles the process by deducting the required amount directly from your gross wage before you receive your paycheck. This means the payment is automatically managed, and you don’t need to take any additional steps or make separate payments yourself.


Students and freelancers pay by bank transfer directly to the provider





### Does public health insurance also cover treatment abroad?

Public health insurance covers emergy treatment abroad, but only in the EU/EEA and Switzerland. Coverage in these places is limited to the cost equivalent of treatment in Germany. Regular treatments must be postponed until returning to Germany.


Outside the EU/EEA, public health insurance does not cover treatments, which is why additional [travel medical insurance](https://feather-insurance.com/travel-health-insurance) is strongly recommended.





### Can I take out public health insurance even with pre\-existing medical conditions?

Yes, you can take out public health insurance even with pre\-existing conditions and chronic illnesses. They will be covered.

Learn more about [chronic illnesses and their impact on health insurance](https://feather-insurance.com/blog/what-is-chronic-illness-and-how-will-it-impact-my-insurance-application).




### Can I include my family in public health insurance?

Yes, you can include your family in your public health insurance policy, provided they earn less than €505 per month through alternative income (pension, rent, interests….) or less €538 through mini\-job. 


Dependants can be added for free, simply contact your current provider and let them know you’d like to insure a family member.





### How do claims work in public health insurance?

There are no claims in public health insurance. When you go to the doctor, dentist, or pharmacy, you simply show your health insurance card, pay the deductible if there is one, and your insurance will take care of the rest.


The only exceptions are special treatments that aren’t fully covered, like dental, which must be paid upfront. Afterward, you can claim the appropriate partial amount from the provider by sending invoices to the your insurance.



### How do I cancel my public health insurance?

If you’re leaving permanently, it is usually enough to inform your provider. To do so, you can use [our template](https://docs.google.com/document/d/e/2PACX-1vTdDv8y4hF3wyqrAzWYvrQmnIypc_R8Py436MYxeKcTKsEaLniehQWr3TT7j5bcRk4weY9TLBMyg2H-/pub). Most often, additional proof like an Abmeldung (de\-registration from your city) or flight tickets might be required.


If you leave temporarily, you can actually pause your insurance. This is called [Anwart­schaft](https://faq.feather-insurance.com/en/articles/28586-i-am-leaving-germany-for-a-while-shall-i-cancel-my-public-health-insurance), and by doing this, you will make sure you have the right to join the same public insurer after returning. If this case relates to you, it is best to contact your public insurance provider directly.
You can also read our [how to cancel your health insurance](https://feather-insurance.com/blog/cancel-health-insurance/) post.