Every Expat Deserves the Right Health Cover in Germany
Whether you're arriving for the first time or have lived here for years, we help you understand GKV, PKV, incoming insurance, and every option in between.
What Brings You Here?
Select your situation and we'll point you to the most relevant information.
Just Arrived in Germany
You need insurance from day one. Find out which short-term and long-term options are available.
Learn moreEmployed in Germany
Understand your employer's role, GKV vs PKV eligibility, and how to maximize your benefits.
Learn moreFreelancer or Self-Employed
No employer to split costs with — learn your options for GKV, PKV, and Krankentagegeld.
Learn moreBringing My Family
Free co-insurance for dependents, coverage for children, and what changes with a growing family.
Learn moreNot Sure What I Need
Take our quick eligibility check to find out which insurance type fits your situation.
Learn moreThree Steps to the Right Cover
Finding the right health insurance in Germany is easier than you think.
Understand Your Options
Learn what types of health insurance are available and which ones apply to your visa and work status.
Read the GuideCompare Plans Side by Side
Use our tools to see how GKV, PKV, and incoming insurance stack up for your specific situation.
Open Cost EstimatorSpeak with a Licensed Broker
Get connected with an independent, English-speaking insurance broker who will find the best plan for your situation — at no cost to you.
Connect with a BrokerHealth Insurance Options for Every Expat
From public insurance to private plans and short-term arrival cover — find the right protection for your situation in Germany.
Public Insurance (GKV)
Understand how Germany’s statutory health system works and whether it’s the right choice for you.
Private Insurance (PKV)
Explore premium coverage with flexible plans tailored to your health profile and budget.
Incoming & Arrival Cover
Short-term policies for your first months in Germany while you sort out long-term insurance.
Travel Health Insurance
Stay covered during trips home and holidays abroad with add-on travel policies.
Family & Dependents
How to insure your partner and children, including free co-insurance options under GKV.
Employer-Sponsored Plans
What your employer pays, how to maximize benefits, and what changes when you switch jobs.
Freelancer & Startup Cover
Special insurance considerations when you’re self-employed or launching a business in Germany.
Dental & Vision
Learn about supplemental dental and vision coverage to fill the gaps in your base health plan.
Nursing Care Insurance
Understand Pflegeversicherung — Germany’s mandatory long-term care insurance and how it works.
Popular Topics
Dive into the questions expats ask most about health insurance in Germany.
Real Stories from Expats in Germany
Hear from expats who navigated the German health insurance system with our help.
“When I arrived in Berlin, I had no idea I needed insurance from day one. This site walked me through incoming insurance and then helped me transition to GKV once I started my job.”
Sarah Mitchell
UX Designer · British
“As a freelancer, I was told PKV was my only option. Turns out I could also join GKV voluntarily. The comparison tool here saved me over €200 a month.”
Marco Rossi
Graphic Designer · Italian
“The guide on family insurance was a game-changer. I learned my wife and kids could be covered under my GKV for free — something no one else explained clearly.”
Raj Patel
IT Consultant · Indian
Not Sure Which Insurance You Need?
Take our quick assessment and get a personalized recommendation — whether it's GKV, PKV, incoming cover, or something else entirely.