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
private room
Access to hospitals that only accept private patients
Dental Services
Dental treatments, including teeth cleaning and prophylactic treatments
up to 25%
100%
100%
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:
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Lower insurance contributions that aren’t based on your income
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More comprehensive coverage
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Flexibility in choosing the services included in your coverage
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Shorter waiting times for appointments
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Premium refunds and bonuses when you don’t file any claims
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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 !
Private Health Insurance For Germany
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health insurance broker -
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