Private Health Insurance
for employees

Everyone who visits or lives in Germany must have health insurance. If you become an employee, you’ll be automatically signed up for public health unless you meet the gross income threshold of €69,300 per year or €5,775 per month (in 2024). The threshold changes annually.

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Advantages of private health insurance for employees

Better coverage for less money. Save up to 4,000 € per year

Example premium for a 32 years old employed

Public
Insurance

Basic insurance protection

€ 506

Premium
Economy

Good tarif for best price

€ 262

We recommend

Business
Class

Best value for money

€ 296

First
Class

Outstanding coverage

€ 336

Outpatient services

All doctors and appointments through our Concierge

Direct access to specialist

Glasses and contact lenses

up to 100€ every 3 years

up to 250€ every 2 years

up to 450€ every 2 years

Alternative practitioners

up to 500€ per year

up to 1.000€ per year

up to 2.000€ per year

Coverage in hospitals

Treatment by chief physician

Accomodation

muti-bed room

double room

private room

Access to hospitals that only accept private patients

Dental Services

Dental treatments, including teeth cleaning and prophylactic treatments

up to 25%

100%

White fillings, crowns and implants

0% / 200 € / 0%

100% / 70 % / 70%

100% / 80% /80%

100% / 90%/ 90%

Other services

Premium refund

up to 2 monthly premiums

up to 4 monthly premiums

Worldwide coverage and repatriation

Preventive health checkups without age limits

Second opinion

Benefits of Choosing Private Health Insurance for Employees

Employees who earn more than the annual income threshold often find private insurance coverage to be their best option. Here are the main benefits:

Lower insurance contributions that aren’t based on your income
More comprehensive coverage
Flexibility in choosing the services included in your coverage
Shorter waiting times for appointments
Premium refunds and bonuses when you don’t file any claims

Compulsory Insurance

If your income, as an employee, does not reach the income threshold, you’re classified as a compulsorily insured employee. This means that you don’t have a choice between public and private insurance — you must use public health insurance. Your employer will automatically register you.

Voluntary Insurance

If your income surpasses the income threshold, you are considered as a voluntarily insured employee and can choose private health insurance. Get your quote now !