Services
Private Health Insurance
Navigate Germany's PKV system with confidence and find the right coverage for your needs.
Health Coverage
Understanding PKV in Germany
Germany has a unique dual health insurance system. As an expat earning above the threshold or working as self-employed, you have the option to choose private insurance (PKV)—a decision that can significantly impact your healthcare experience and finances.
Private insurance often offers better coverage, shorter wait times, and access to specialists. But it's not right for everyone, and choosing the wrong plan can have long-term consequences. That's where expert guidance makes all the difference.
Who Is PKV Right For?
Private health insurance isn't for everyone. Here's who typically benefits most.
High Earners
Employees earning above €69,300/year (2024 threshold) who want better coverage without paying percentage-based premiums.
Self-Employed
Freelancers and business owners who are often better served by PKV regardless of income level.
Young Professionals
Those in their 20s-30s can lock in lower premiums that remain stable over time, unlike public insurance which scales with income.
Expats Planning Long-Term
Those committed to staying in Germany who want premium healthcare and are willing to plan for the long term.
PKV vs. Public Insurance (GKV)
Understanding the key differences helps you make an informed choice.
| Factor | Private (PKV) | Public (GKV) |
|---|---|---|
| Premium Calculation | Based on age & health at entry | Percentage of income (~15.5%) |
| Coverage Scope | Customizable, often broader | Standardized by law |
| Wait Times | Typically shorter | Can be longer for specialists |
| Family Coverage | Each person pays separately | Free for non-working dependents |
| Switching Back | Difficult, especially after 55 | Always available if eligible |
| Retirement | Premiums can increase | Scales with pension income |
How I Help
From initial analysis to ongoing support, here's what you can expect.
Situation Analysis
We review your income, family situation, health status, and future plans to determine if PKV is right for you—or if public insurance is actually the better choice.
Plan Comparison
I compare plans from all major PKV providers, explaining the differences in plain English so you understand exactly what you're getting.
Long-Term Projection
We look at how premiums might develop over time, including provisions for retirement, so there are no surprises decades from now.
Application Support
I guide you through the application process, help with health questionnaires, and ensure everything is submitted correctly.
Ongoing Reviews
As your life changes—marriage, children, career moves—I help you adjust your coverage accordingly.
Frequently Asked Questions
Ready to Explore Your Options?
Book a free call to discuss your situation. I'll help you understand whether PKV is right for you—with no obligation or pressure.