A Complete Health Insurance Guide for Expats in Düsseldorf

If you’re an expat living or planning to move to Düsseldorf, understanding the German healthcare system is crucial for a smooth transition. Health insurance is compulsory for all residents in Germany, and navigating the public and private systems can feel overwhelming, especially for newcomers!

This guide breaks down everything you need to know about securing health insurance as an expat in Düsseldorf, ensuring you’re fully covered from day one.

 

Arriving in Düsseldorf

Health insurance is mandatory for all residents in Germany, including expats.

If you arrive in Düsseldorf without valid health insurance, you could face serious complications. These include visa issues, potential back payments, and delays in receiving your salary — your employer can’t legally pay you until you’ve secured adequate coverage, so obtaining health insurance should be top of your list when planning your move, especially as international expat health insurance plans or travel health insurance plans are only suitable for the first few days or weeks upon arrival in Germany, and aren’t recognized by German law in the long run.

It’s also important to know that travel health insurance will only cover you in the event of an emergency. So, annual visits to the English-speaking gyno you love or that birth prep class you’ve been looking into will likely not be covered.

 

Health Insurance for Foreigners in Düsseldorf Explained

The German healthcare system is composed of two types of insurance: Public Health Insurance (Gesetzliche Krankenversicherung or GKV) and Private Health Insurance (Private Krankenversicherung or PKV). Choosing the right system depends on several factors including your income, employment status, age, and whether you have pre-existing conditions.

Consulting with an independent health insurance broker like KLforExpats, can be incredibly helpful in navigating these options. Brokers offer their services for free as required by German law and can help you compare different plans without the pressure to buy.

Whether you’re unsure about which system fits your needs or simply want to understand your options better, a broker’s expertise can save you time and money and help you read the fine print of health insurance contracts so you can avoid any surprises. 

 

Key Differences Between Public and Private Health Insurance in Germany

There are some major differences between public and private health insurance in Germany that you need to consider before you pick a provider that’s right for you.

 

Public Health Insurance (GKV)

Most employees earning below the income threshold of €73,800 (*as of 2025 – this number changes every year so double check) must enroll in the public system. If you are not employed but have prior statutory insurance from another European country, you may also qualify for voluntary membership. 

 

Advantages:

• Offers basic but comprehensive coverage that covers essential inpatient and outpatient medical treatments and appointments
• Cost-effective for families as dependents can be added at no additional cost
• Guaranteed acceptance, even if you have pre-existing health conditions

 

Disadvantages:

• High earners may find it expensive since contributions are based on income
• Limited customization in coverage, which could mean added costs for supplementary insurance, less convenience with access to specialists, and longer appointment wait times

 

Private Health Insurance (PKV)

Expats earning above the income threshold or self-employed individuals can opt for private health insurance. Düsseldorf, being an international business hub, is home to many high earners who may benefit from the flexibility and perks of PKV.

Plans are more customizable, offering access to private hospitals, faster specialist appointments, and a greater pool of doctors that may include more English-speaking doctors if you’re still improving your German language skills!

 

Advantages:

• Attractive for high earners without dependents because it is not calculated based on your income but based on your age and health status at the time you enter the insurance contract
• Tailored benefits to meet individual preferences

 

Disadvantages:

• Higher costs for families, as each member needs to be insured separately
• Cost of premiums can be impacted by pre-existing health conditions

 

Applying for Health Insurance in Düsseldorf

To apply for health insurance in Düsseldorf, follow these steps:

1. Research: Start by researching both public and private providers. If you’re unsure where to begin, platforms like Quickity and brokers like KLforExpats can simplify the comparison process, especially for non-German speakers.
2. Gather documentation: Ensure you have all necessary documents, including your passport, residence permit, proof of previous insurance (if applicable), employment contract, and any relevant medical reports.
3. Submit application: You can apply directly with a provider or through an independent health insurance broker. Working with a broker can help ensure all paperwork is completed correctly, and they can also liaise with providers on your behalf.
4. Activate Your Insurance: Once your application is approved, you’ll receive your health insurance card, which grants you access to medical services in Düsseldorf. Make sure to register with your provider’s online portal or app for easy access to services and billing, which a broker can also support you with

 

Local Healthcare Facilities in Düsseldorf

Düsseldorf has an excellent healthcare system, with several top-tier hospitals and clinics in all fields (dentistry, psychology, etc.). The University Hospital Düsseldorf (Universitätsklinikum Düsseldorf) is renowned for its high standards and caters to both locals and expats.

Many private clinics also provide specialized care, with many offering services in English for non-German speakers, especially in areas like Oberkassel and Pempelfort, which are popular among international residents.

If you’re on private insurance, you may find shorter waiting times and more personalized services at these private facilities.

 

Need Help Understanding Your Public and Private Health Insurance Options?

If you’re feeling overwhelmed by the process of finding health insurance as an expat in Düsseldorf, help is just a click away!

Headquartered in Cologne, just a a stone’s throw away from Düsseldorf, KLforExpats is a trusted independent brokerage with over 25 years of experience, and offers free, English-speaking advice tailored to expats in Germany over video consultation.

Whether you’re deciding between public or private health insurance or simply have a ton of questions about health insurance and need some guidance, their expertise can make settling into your new home a little bit easier!