Health Insurance Germany
Healthcare Living

The Health Insurance Choice: Public or Private?

August 10, 2017

It’s one of the first choices you have to make when moving to Germany. By law, all legal residents must have health insurance coverage. So, we’ve teamed up with James Meads, British expat and Founder of LiveWorkGermany, to look at the options which are available and to whom.

If you are self-employed, then you automatically have the option of whether to pay into the public health system (gesetzliche Krankenversicherung) or whether to opt out and take a private health insurance policy (Private Krankenversicherung).

Employees don’t automatically have this choice: It depends on how much you earn. In 2017, as an employee, you have to earn over €57,600 gross per annum to have the choice. Anyone earning below this threshold is automatically obliged to go with public insurance.

For employees, you will have to advise your employer during the first month on the job which health insurance you have taken, and produce a letter from your provider confirming your monthly bill. This is because regardless of which option you take, your employer is obliged to pay a contribution towards your healthcare costs and therefore need to know how much to deduct, or contribute to, your first payslip.


Choosing Public Insurance 

If you choose public insurance, this is calculated at 14.6% of your gross monthly salary. Your employer will contribute half of this sum and you will pay the other half, which is deducted directly from your salary and paid to the public insurance company, known in German as Gesetzliche Krankenkasse or GKV. Additionally, you have the option to purchase extras which are not covered under the normal policy, e.g. physiotherapy and dental care, at an additional cost. This is a voluntary and as such is not subsidized by the employer.

There are many gesetzliche Krankenkassen, each one with their own specific advantages or disadvantages depending on what an individual is specifically looking for. Do your homework and use a comparison website such as Check 24.

Going private means that the cost of the policy is determined by a number of factors pertaining to how risky you are perceived to be to insure. It could be considerably cheaper or more expensive than public insurance, depending on your individual circumstances.


Choosing Private Insurance

Opting for private insurance (PKV) means that your employer will provide a contribution towards your policy. You will receive the employer’s contribution (typically 50% of the monthly policy, with a few exceptions) directly on your payslip as part of your monthly salary. You are then directly responsible to pay for your health insurance costs.


So, if you have the choice available to you, should you go public or private?

While there are a number of different types of health insurance options in Germany, a younger person, single, in good health, with no pre-existing conditions, and with no dependent family members, is better off going private in most cases. Public insurance, calculated as a percentage of their income, would almost definitely be more expensive. This applies to both freelancers and employees. The only difference is employees don’t automatically have the choice.

Public insurance, calculated as a percentage of their income, would almost definitely be more expensive. This applies to both freelancers and employees. The only difference is employees don’t automatically have the choice.

If that same person were somewhat older, married with kids, with a view to reside in Germany permanently, then a whole new set of factors come into play. A private health insurance company would consider them to be a higher risk. They also have kids who have to be insured on the policy. And they can’t just easily jump on a plane home if the costs become unaffordable in the same way that a single person could. In this case, public insurance would probably make more sense.

You cannot simply opt into the public system when a private insurance company jacks up the cost of the insurance policy. Otherwise, everyone smart enough would do it. There is a grace period but then after that, you can’t opt back in.

Since 2013, EU law states that insurers may not discriminate between male and female insurance policies. Therefore the two examples I used above are not gender-specific.

This is a summarized version of a longer article published on LiveWorkGermany, where you can read the full version. Do you have questions about living #LifeInDüsseldorf? Feel free to send us an email with your question at If you have tips you’d like to share with others, we’re also accepting guest posts which include the author’s name, bio and photo.

Looking for some more tips? Join our group of community explorers and register for our monthly newsletter (packed with the hottest events, seasonal activities, upcoming job opportunities and more)!

  1. Reply


    August 10, 2017

    Hi..nice Article…i am new to germany and want to opt private insurance directly because there is no dependency and salary criteria is meeting. But i am told its difficult to enter private directly instead i can switch later after 4 months. Is that true ? Any way to enter private direct? Thanks

    • Reply


      August 10, 2017

      Hi Ankit,
      It’s correct that some insurers will impose a waiting time before accepting you into their system. This is quite normal because it stops people taking out insurance and then immediately claiming urgent treatment. Often they will accept you without any waiting time if you undertake a medical examination to satisfy that you have no urgent healthcare requirements.
      James –


Life in Düsseldorf
Düsseldorf, Germany

This is our online publication for sharing the best about life in Düsseldorf in a generous and honest way. We spend our mornings writing content and our afternoons interviewing locals, participating in forums and calling businesses so you don’t have to.

Here We Are
Join us on Facebook
New to Düsseldorf?

Start Exploring

Proudly Supported By:

ISR Info Day

Fatty's Irish Pub




For monthly highlights, job opportunities, discounts, tips and events!

Enter your name and email to consent to joining the Life in Düsseldorf newsletter list, to process your email address to send you monthly updates. You can unsubscribe anytime via the unsubscribe link in all of our emails.
Looking for Another Language?
Join us on Instagram
Follow us on Twitter
Looking for a job?

Our Tip For Your $
The Best Weekend Getaways

Download the Full Guide

We’re Here to Help