Are you eligible for private health insurance?
Three quick questions and we will tell you which side of the system you are on, and what to do next.
What best describes your situation?
Frequently asked questions
You may qualify if you fall into one of these groups:
- Employees earning above the annual income threshold (€73,800 in 2025, €77,400 in 2026)
- Self-employed and freelancers, regardless of income
- Civil servants (Beamte)
- Students under 30, before joining a statutory plan
If none of these apply, you generally have to stay in public insurance.
For 2026 the gross annual income threshold (Jahresarbeitsentgeltgrenze) is €77,400, which equals around €6,450 per month. Your income must reliably stay above this level for you to be allowed to leave the public system.
Yes. Freelancers and self-employed workers are not bound by the public system at all. They can pick a private plan from day one. The premium depends on your age at sign-up, health status, and the coverage level you choose.
If you have a job offer above the income threshold, are coming in as a freelancer, or arrive as a student under 30, you can usually start with private insurance right away. Newcomers on a residence permit must show valid health insurance, and a private plan that meets the legal minimum qualifies.
Family members are not automatically included like in public insurance. Each person gets their own private plan with an individual premium. Children's plans are generally inexpensive. We compare options for the whole family in one quote.
No. The check is a free, no-obligation tool to show whether private insurance is even an option for you. There is no contract and no email required to use it. If you want to go further, you can book a free consultation with us.
Under one minute. You answer a few questions about your job, income, age, and residency status, and the tool tells you immediately whether you qualify.
If you qualify, the next step is a free consultation by phone or Zoom. We look at all major private insurers, match the right plan to your situation, and walk you through the application. The service is free for you, paid by the insurer under German law.
Switching back is possible but restricted. Most commonly it happens if your income drops below the threshold (for employees), you become unemployed, or you reach a certain age limit. We explain the rules before you switch so there are no surprises.
No. We handle everything in English: the consultation, the application paperwork, and ongoing claims support. You do not need to read a single German document on your own.