The top private health insurers in Germany

There is no single best. It depends on age, income, occupation and what matters most to you (digital service, dental cover, low entry premium, civil-servant Beihilfe). Debeka, Allianz, DKV and Hallesche are all top of the list for different profiles. For a profile-by-profile ranking, see the best private health insurance in Germany.

Yes. You have a legal right to transfer the aging reserves you've built up to a new private insurer when you switch. The reserves only travel between private insurers, never back into the public system.

No. For the same age and tariff level, premiums can vary by 30–50% between providers. Equally important: how much each provider raises premiums over 20–30 years differs sharply. Comparing both is what our advice covers.