German Health Insurance


Health Insurance Germany



+49 1626978128

for freelancers

Regardless of whether or not you’re a citizen of a European Union state, or working temporarily or permanently in Germany, since 2009 ...

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for employees

The health insurance Germany requires are either state-run or private. They operate in parallel, but are both equally valid for workers ...

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residence permit

Since 2009, those living and working in Germany have been legally required to have valid health insurance. People from countries outside the EU ...

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In summary, we are proud to offer:

  • Immediate, free insurance quotes
  • Friendly, knowledgeable service
  • Specific plans for employees, freelancers and the self-employed
  • Assistance with form completion
  • Fast, simple processing
  • Guaranteed 48-hour turnaround for residence permit applications
German Health Insurance

Germany Health Insurance

If you are a resident working in Germany, you can choose between statutory health insurance, also referred to as Gesetzliche Krankenversicherung (GKV), or you can opt for private health cover, which is also referred to as Private Krankenversicherung (PKV). However, your choice of private health insurance is limited because only people with a certain level of income qualify for private insurance. If you are self employed you can apply if proven you can qualify for the same.

As every health insurance Germany professional will advise, private health insurance is offered by both local and international companies. What you need to understand is that not every international company offers services that can fulfil legal obligations in Germany. Most of them operate within their own regulations that reflect the international standards and market, so you need to consult before buying a policy from any international insurance company. Once you choose to buy private insurance from an international company, you must prove that it offers the compulsory minimum as expressed in the statutory health insurance, whereby any company operating in line with the regulations should provide for elderly care and chronic illnesses.

It is vital to note that unlike statutory insurance, private health cover depends on your risk profile or, in simpler language, your health condition and age. Premium calculations factor in medical costs across specific demographics, meaning if you are an older person you will be charged more if you opt for private health cover. A young man will definitely have a better risk profile, so premiums charged will be relatively lower.

We as qualified health insurance Germany professionals will only offer referrals to companies that are fully compliant to the laws. As independent insurance brokers, it is our duty to offer clear and unbiased advice on the German health insurance sector. Most expatriates hold different opinions and expectations from the health insurance companies, so we are always committed to help you have a fruitful conversation about the health insurance legislation. This is in a bid to help you choose a cost-effective and ideal policy that will cover your health risks during your whole stay in Germany.

Generally, each policy offers different terms and conditions, so when choosing a policy it is necessary to consider whether the cover offered caters for all the things you would like. A policy that covers any illness or injury that you or your family suffers is ideal during your stay abroad. Just like you do with any other insurance policy, you need to weigh the cost of premiums attached to the cover against the benefits you are bound to receive. It is also necessary to understand that lack of emergency cover could leave you in a critical state in the event of the risk occurring, so get a cover that also includes emergencies.

In the event of an emergency, you can get admitted to a contracted health institution, which will communicate with your insurance provider to submit the total cost of treatment and to verify whether the company will meet these liabilities. If you do not have sufficient cover, you will be forced to pay a portion of the total cost of treatment.


This Company is perfect for any English-speaking families who are new to Germany and confused by the many health insurance options there are here. B-protected helped us to get the very best deal on our health insurance, both in terms of price and quality. I am very happy indeed to recommend B-Protected!

Dinah McL. 45 years, British
Director of Corporate Social Responsibility

I came across B-Protected Web page and I wrote them about my situation. They not only responded very quickly but the were very personal and professional with guiding me in the right direction. I truly recommend their Services because they have a personal touch in a very professional manner.

Rodney D. 49 years, American
lt Ingenieur

Based on my wonderful experience with B-Protected, I strongly recommend anyone living in Germany who need an insurance, to get in contact with them. They are very professional, efficient, customer warm & friendly and talking very good english. You will not miss anything! Vielen Dank.

Jerry Z. 32 years, Japanese
Marketing Director
German Health Insurance

Welcome Center Germany

Considering a move to Germany? If so, the Welcome Center Germany is here to help. The site was launched in 2015 with the aim of providing a hub with all the information you need in one place. Whether you're thinking of moving to Germany for work, study, or for personal reasons, you can be assured that everything you need to know can be found at the Welcome Center Germany.

Moving home is one of the most stressful experiences you can go through, and moving to another country only means more things to consider, and more arrangements to make. Not only are the usual concerns such as finding a home and arranging transportation made more challenging, but you may find it difficult to find reliable information on practical aspects of living in your new home. At the Welcome Center Germany, we can help you find answers to all your questions, at any stage of your move.

Before you go, it is vital that you find out any visa and work permit requirements. You might also need information on finding work, buying a car, opening a bank account or finding a suitable school for your children. At the Welcome Center Germany you'll find all the advice you need, plus links to good external sources, so you don't need to spend unnecessary time searching online.

Having a solid knowledge of the German language is essential for you to be able to integrate into society once you are in Germany. Whether you're a beginner or you just need to brush up on your skills, Welcome Center Germany can help. The site provides information on the ideal German language courses so you can get to the best possible standard.

Finding a place to live in another country can be a daunting experience. From getting reliable information on different locations, to advice on whether to rent or buy, you might feel overwhelmed. The Welcome Center Germany website features a comprehensive Housing and Rentals section, where you will find the help you need whatever your situation.

You might be unfamiliar with the German healthcare system and the types of insurance available. On the Welcome Center Germany site, you will find advice on the differences between private health insurance, state insurance, and international insurance so you can easily make an informed decision on what is right for your needs.

We are here to answer any queries or concerns you may have about moving to Germany, no matter how big or small. Contact the Welcome Center Germany today so we can help you have the best possible experience of moving to beautiful Germany!

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