Private Health Insurance Germany Plans – Cost & Comparison 2025
Apr 16, 2025
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Private Health Insurance Germany: Compare Costs & Benefits of Each Plan
Choosing the right private health insurance plan in Germany can be challenging, especially for expats who are new to the system. While all private health insurance plans offer better services than public health insurance, the level of benefits and costs can vary greatly.
In this guide, we compare the three common tiers of private health insurance in Germany: Basic, Comfort, and Premium. We also highlight cost examples, eligibility, key considerations, and how you can make the best decision for your specific needs – with the help of our independent, free, and non-binding consultation service.
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Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
Understanding the Three Levels of Private Health Insurance
Private health insurance providers in Germany typically offer plans in three performance categories:
Basic – Good benefits, low premiums
Comfort – Very good benefits, affordable pricing
Premium – Best benefits, fair price for high-end coverage
Even the basic tier usually offers more benefits and shorter wait times than public health insurance. The Comfort and Premium plans often include private hospital rooms, chief physician treatment, higher dental reimbursements, and full coverage for alternative treatments.
What Does Private Health Insurance Cost?
Here are estimated monthly costs for a healthy, 35-year-old employee in Germany:
Basic plan: €350 – €550
Comfort plan: €450 – €700
Premium plan: €550 – €900
💡 Tip: If you're employed, your employer pays up to 50% of your premium, capped at the legal maximum.
Premiums are not based on income but on:
Age
Coverage level (Single Room, Chief physician, 100% dental, etc.)
Deductible ("Selbstbehalt")
The younger and healthier you are, the lower your monthly premium will be.
Choosing Flexibility for the Future
As your healthcare needs grow, your plan should grow with you. That’s why it’s important to choose a policy that lets you upgrade to a better plan later without a new health check.
Many providers offer modular systems so you can adjust coverage over time – ideal for expats who want to start with affordable plans and scale when needed.
Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
Private Insurance vs. Public Insurance: Cost Logic
Private insurance = risk- and benefit-based. Each family member needs their own contract.
Public insurance (GKV) = income-based. High earners pay more, low earners pay less. Children/spouses are often covered for free.
✅ For high-earning individuals, private health insurance can be significantly more cost-effective.
But for families with several dependents, public insurance might still be more economical.
Who Should Consider Private Health Insurance?
Private health insurance could be right for you if:
You earn more than €73,800/year (2025 threshold)
You want faster doctor appointments
You want a better health coverage
You prefer English-speaking service and digital tools
You want tailored benefits and more control over your care
However, it's not a one-size-fits-all solution. That’s where independent advice becomes essential.
Why Work With an Independent Consultant?
Unlike insurance companies or comparison sites, we’re independent. That means we’re not pushing any specific provider – we’re focused on finding the best fit for you.
✅ We compare all major private insurers in Germany
✅ Unbiased advice
✅ 100% free & non-binding consultation
✅ Transparent advice in English
✅ Zero pressure, zero commitment
Not Sure Which Plan Fits You Best?
Choosing between Basic, Comfort, and Premium depends on your lifestyle, budget, and long-term plans.
Let us help you navigate the system and find the best private insurance – with no cost or obligation.
Book Your Free Consultation Now!
Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.
