Private health insurance in Germany

Fully digital application with policy management and
support in English.

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See our prices and coverage

You
Spouse
Child
Occupation

€— /mo

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Living in Germany temporarily?

Our plans

Use our calculator to see what’s available for you.

Our plans

Standard

Premium

Public

Your contribution

€—

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€—

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€—

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General doctors' visits

Private hospitals

Worldwide cover

What is private health insurance?

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.

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Less expensive than public

Since private health insurance takes on customers based on their health, it is generally more affordable than public, especially if you sign up while young and healthy. Once signed up, your premium will not increase because you become older.

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Faster appointments and better coverage

Most doctors reserve appointments for patients with private health insurance. This makes access to healthcare in your area easier, especially in big cities. In addition to that, you generally get better coverage than with public health insurance, for example in terms of dental and vision care.

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On certain plans only

Yearly cashback

If you make no claims during a calendar year, you will receive a payout the following year. The payout increases every consecutive year without claim.

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Good to know

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Getting older won’t affect your price

The price is based on your age when you sign up. It then only increases when overall healthcare costs or inflation go up – historically about 2.8% per year for private and 3.4% per year for public.

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Eligibility depends on your income and health

The minimum income threshold for private depends on your occupation and age. On the health side, we look at your medical history for any pre-existing conditions.

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Your dependents could be eligible at an extra cost

Thinking of adding your dependents? Check their eligibility now to make sure your whole family can be on private health insurance.

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How does health affect my eligibility?

If you have pre-existing medical conditions and still apply for private insurance through Feather, please keep in mind that some might lead to coverage restrictions or a surcharge. Check out which conditions always lead to denial in our comprehensive article.
Read more on pre-existing conditions

How to use private health insurance?

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Use your insurance card

At the doctor's office, use the digital insurance card you can find in your account.
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Collect the bill

Your doctor will issue an invoice to you. In contrast, you can ask hospitals to bill your insurance directly.
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Get reimbursed

Submit the bill through your account, and you'll be reimbursed within 3 weeks.

Why Feather?

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Best-rated support in Germany

If you’re unable to solve a problem, we can assist you online via video call or by email.
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Digital account management

Manage your health insurance policy online, including updating information or claims.
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Customized coverage

Choose between different plans to adjust your coverage to your needs
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Everything in one account

Health, liability, household, and other insurance policies can all be managed in one account.

How do I apply?

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Apply online

A call is optional. We’ll reach out if information is missing and refund if medical exams are required.
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Confirmation

After your coverage is confirmed, the confirmation for your employer, visa, and tax purposes will be in your account.
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Payment

You’ll be charged on the start date you’ve selected or within a few days of the confirmation if the start date is in the past.

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Frequently asked questions