German Health Insurance


Health Insurance Germany



+49 1626978128

Health insurance in Germany for employees

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

State Health Insurance

The German government has the responsibility to provide state health insurance. Workers pay a fixed amount of their salary based on their income. Employees earning less than €57.600 annually are mandated to receive state health insurance. The current 2016 percentage of state health insurance payment is 15.5%. Long-term nursing cover is also required, consisting of 2.2% of a worker's contribution. This percentage applies to monthly salaries of up to €4237.50, with a flat rate of €383.62 required for higher salaries. Employers are required to cover 50% of the state health insurance payment, up to a limit of €346.50 a month including the nursing care element.

Private Health Insurance

IHealth insurance Germany provides has experienced a reduction in scope over recent years. Private health insurance is therefore a wise investment to cover previously included services. Those earning over €57.600 annually can opt for private health insurance, which provides a more cost-effective variety of cover. Private health insurance provides a wider range of services and better value when considering the range it offers over state insurance, such as:

  • Option of private/semi-private hospital facilities
  • Prescribed glasses or contact lenses
  • Access to a variety of additional health services

Privately insured patients can also receive priority services from a range of medical services, including some exclusive healthcare experts. Employers will also still cover half of private health insurance premiums, up to a maximum of €309.34 for health cover and €49.79 for long-term nursing care, as with state health insurance.

I operate as an independent insurance broker specializing within the German health insurance system. I offer a range of separate products and options to provide a custom health insurance plan suitable for your needs, with advice for you and your family. I can also offer:

  • Complimentary immediate insurance quotes
  • Friendly, professional service
  • Specific options for freelancers, employees and those self-employed
  • Help with completing forms
  • Quick and simple processing
  • Guaranteed 48-hour permit completion for all residence applications

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


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