Get Health Insurance in Germany

Everyone who is registered in Germany must have health insurance. This is written in the law. There are different types of health insurance. Which kind of health insurance you need depends on your individual situation. Are you a student, employed or do you work as a freelancer? How long will you be in Germany for? Are you here for a limited period of time, or are you planning to stay in the long term? Do you need a proof of health insurance for your visa application? All of this influences which health insurance you should opt for. And you can find the solution on this page. Fill out questionnaire now.And make a free consultation to explore your personal options.

Public Health Insurance – BARMER

Who is eligible?

√ anyone with an employment contract
√ students
√ self-employed with an income
√ registered as unemployed

Apply now!

Public Health Insurance – Techniker Krankenkasse

Who is eligible?

√ anyone with an employment contract
√ students
√ self-employed with an income
√ registered as unemployed

Apply online!

Private Health Insurance – CareConcept

Who is eligible?

√ Persons with residency in other countries of the world who are staying in Germany
√ Persons in any country worldwide with residency in Germany
√ Persons with residency in Germany

√ You need proof of health insurance for a German visa or residence permit
√ Interns, language students, au-pairs, tourists, expats
√ Anyone with no income in Germany

Get insurance online!

Private Health Insurance – ottonova

Who is eligible?

√ Non-EU citizens with temporary visa working & staying in Germany up to 5 years or more
√ Self-employed & employees
√ Income limit for employees is €64,350 per year

Get informed here!

Public Health Insurance – BARMER

Apply online & get a FREE consultation

You want to choose the best health insurance for your start in Germany? Do you care about quality, especially when it comes to your health? Then BARMER is your partner in health insurance. BARMER works with the best doctors, whose health and treatment plans are particularly varied and flexible. Digital offerings, such as the BARMER app, support you in your everyday life, improve your health and enhance your work-life balance.

The BARMER provides public health insurance and offers special support to foreigners in Germany. Over 9 million people place their trust in BARMER. If you have BARMER public health insurance, your spouse and children are co-insured for free. This is not the case with private insurances. Here you must pay for each member of the family.

BARMER offers its service in over 16 languages. You can call the English service hotline for free. An English-speaking employee will help you find an English-speaking doctor or specialist. You can also call the hotline, if you want them to book an appointment at the doctor’s for you. It is the only public health insurance, which offers this service.

4 Steps to get public health insurance in Germany:

1. Fill out form online.
2. Receive necessary documents & a BARMER representative contacts you within 48 hours.
4. Get a free personal consultation to answer all your questions.
5. Get immediate proof of your public health insurance.

Features	BARMER Public Health Insurance
Free family co-insurance	√
Electronic Health Card	√
Service and info in English	√
List of English-speaking doctors	√
European Health Card	√
Free English hotline	√
Local branch offices	√
	Apply now

Main advantages

At the largest German cash register comparison, FOCUS-MONEY (issue 7/2018) of BARMER certifies an “outstanding service” and “excellent performance”. But more importantly: Flexible, powerful and also there for you in an emergency – BARMER offers you excellent service and attractive extras:

The best medical care and expertise, nationwide
100 percent reimbursement of the costs for travel vaccinations
Naturopathic and alternative medicine
24/7 Teledoctor
7Mind – one year for free
The BARMER App – manage all important communication from wherever you are
Rest well with our sleeping aid
Receive a payout of up to 100 euros or other attractive bonuses each year:
Optional tariff – up to 100 euros cashback annually
Lifelong learning – allowances for health-promoting courses up to 200 € a year

Health insurance card:

The electronic health insurance card gives you fast access to the best treatment an healthcare wherever you happen to be in Europe.

Benefits abroad

Are you planning a trip abroad? It’s always fun to go on vacation, but of course you might also be traveling for work (business trips, delegations, or interviews) or to receive targeted medical treatment.

We help you to stay healthy – prevention is better than cure

Our prevention programs go far beyond what is required by law. BARMER offers a wide range of preventive services to help you take an active role in improving your own health.

Personal support

From our local branch offices to online video telephony, through to mobile advice in your home – we are here for you.

Now, it`s your turn:

Get membership now and benefit from the many services that are included in BARMER medical insurance. We look forward to hearing from you.

How much does it cost 2022

Premium rates that are determined by the legislators apply. These are calculated as a percentage of income in line with the principle of solidarity – higher earners pay higher premiums.

For employees: The general contribution rate in 2022 is 14.6 percent of your gross monthly earnings. BARMER’s additional individual contribution rate is 1.5 percent. This means that BARMER members benefit from a consistently high quality of benefits and excellent customer service.

For students: If you are younger than 25, you are usually automatically covered by your parents’ family insurance – free of charge, of course. Are you older or do you earn more than 470 euros per month as a working student? Then you need your own health and nursing care insurance for students. BARMER offers this for as little as 111.07 euros per month.

Public Health Insurance – TK

Apply online

As a public corporation, TK does not operate for profit, nor is it beholden to shareholders. They see themselves as representatives of the interests of the insured. Their goal is to ensure that policyholders get the most out of their premiums.

You want a partner that focuses on your interests and needs from the very beginning when it comes to your health?

In that case, Techniker Krankenkasse (TK) may be just the right choice for you. TK is a modern healthcare provider where strong benefits, expert advice and convenient service are closely linked.

Online application TK

Fill out the online application form
We will immediately send you a confirmation of your application for membership. If necessary, submit the required documents to us.
We will forward everything to TK.
After your documents have been checked, you will receive confirmation of insurance from Techniker Krankenkasse.
You can upload your passport photo online. To do this, you will need a 10-digit number, which you will receive automatically from TK as soon as your membership application has been received by TK.

TK - Apply online

Main advantages

TK was named the best health insurer in Germany by Focus-Money-2022

In 2021, techniker kasse was also named Germany’s best health insurer for students by Fokus online. In this video, you can find out which advantages TK has specifically for students.

free choice of specialist and dentist – provided he or she is licensed as an SHI-accredited doctor
Treatment in approved hospitals
cost absorption for approved alternative medicine
medical check-ups
health insurance cover when traveling to other EU member states
TK-ReiseMediCall – for example, if you need information about vaccinations

TK-Benefits-EN-Download

Do you have further questions about TK health insurance in Germany?

The TK team will be happy to answer your questions personally. You can reach them around the clock, 365 days a year.

How much does it cost 2022

For employees: Since January 1, 2015, there have been new regulations for contributions to statutory health insurance. Employers and employees share equally in the nationwide uniform contribution rate of 14.6 percent.

In addition, each health insurance fund can levy an individual additional contribution, which must be borne solely by the insured person. At TK, the additional contribution in 2022 is 1.2 percent, which is lower than the statutory average of 1.3 percent.

For students: If you have not yet completed your studies but have already reached the age of 30, you can continue to insure yourself with TK. You pay the minimum contribution for voluntary insurance as long as your income subject to contributions does not exceed 1,096.67 € per month.

Students will pay 166.69 euros per month for continued health insurance from January 2022. The minimum contribution for long-term care insurance is 33.45 euros per month, and 37.29 euros per month for childless persons aged 23 and older.

After your insurance as a student ends, you pay the regular contributions for voluntarily insured persons. They depend on your income.

logo-auslandskrankenversicherung_care_concept

CareConcept – Private Health Insurance

Get IMMEDIATE insurance proof!

The Care Expatriate international health insurance is tailored to the specific needs of private and business travelers, as well as people on global assignment or emigrating worldwide. This health insurance can be taken out for long-term travel (stays abroad of at least 3 months up to a maximum of 5 years) up to a maximum entry age of 74.

You are even covered if you plan to temporary return to your home country
Insurance coverage applies to treatment in foreign countries worldwide

CareConcept is suited for foreigners in Germany in the following cases:

√ You need an official proof of health insurance for a visa or a residence permit.*
√ You want to stay in Germany for a limited amount of time as an intern, tourist, student etc.
√ You are planning to stay in Germany for an extended period of time as an expat.
√ You need health insurance to travel around Europe and other places.

Care Concept - Apply online

4 Easy Steps to get private health insurance:

1. Choose health insurance package.
2. Click on send, it is secure!
3. Submit and pay (startin at 1€ per day).
4. Get official confirmation within hours.

*Many users got the Care Economy Package and this was sufficient for their visa; others were asked by the Auslanderbehörde to get a Care Concept Package costing at least 100,- €/ month so that it be the equivalent to the value of public health insurance.

Private Health Insurance in Germany

ottonova – German Health Insurance for Expats

You can save much money if you sign up with ottonova and still get much better coverage than public health insurance. Non-EU Expats can save even more by joining our special expat coverage

How it works:

To help you with our online sign-up process, we’ll set up an appointment to chat on the phone.
We can answer any questions you might have and guide you through the steps, one at a time. In English!
Just click on “Get free Consultation” to get started!
It’s as simple as that.

Facts

Special expat rates – And excellent coverage
Get your visa – Fulfills all legal requirements
24/7 English support – To make your life easier
No paperwork – Sign up online & use the app
Top-up dental plan from 8,80€/ month

Features	Private Health Insurance
Comprehensive Cover	√
Most exclusive treatment	√
Fast appointments	√
24/ 7 Expat Support in English	√
Special Expat Rates	√
No paperwork – Sign up online & use the app	√
Click me	Start a request

Get Health Insurance in Germany

Public Health Insurance – BARMER

Public Health Insurance – Techniker Krankenkasse

Private Health Insurance – CareConcept

Private Health Insurance – ottonova

Public Health Insurance – BARMER

Public Health Insurance – TK

Online application TK

CareConcept – Private Health Insurance

Private Health Insurance in Germany

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