Health insurance in Germany by situation
Public or private? Expat cover while job-hunting? Find the right option for your situation.
Just arrived on an Opportunity Card or job-seeker visa
You're in Germany looking for work and not yet employed.
Employed with public health insurance (GKV)
You have a job earning below the compulsory-insurance threshold, or simply prefer public insurance.
High earner choosing private insurance (PKV)
You earn above the compulsory-insurance threshold and are weighing private cover.
International student
You're enrolling at a German university.
Freelancer / self-employed
You hold or want the freelance visa and insure yourself.
Bringing a family / co-insuring dependants
You're moving with a spouse and/or children.