Find out whether public or private health insurance suits you in Germany
We analyse your personal situation and help you decide which option is best for you. Clear comparison, no commitment and advice in your language.
Free guidance · We help you choose the best option for your profile
Looking for real private insurance rates in Germany?
At Bramex Plus you will find a complete private insurance comparator with up-to-date rates, detailed coverage and specialist advice. It is our platform dedicated specifically to private health insurance (PKV) in Germany.
For an exact analysis of your case, Bramex Plus is the most complete tool we have.
The comparator on this page gives indicative figures. At Bramex Plus you will find the real data.
Indicative comparator: public vs private insurance
Enter your details to see an estimated cost for each option.
Who can access private insurance in Germany?
Only people with a gross monthly salary above €6,450 can access private health insurance (PKV). If your monthly salary is below this figure but you receive a bonus or additional payment and the annual total exceeds €77,400, you may also opt for private insurance.
Freelancers and self-employed workers can access private insurance regardless of their income, although conditions and prices vary by profile.
Public vs private insurance: key differences
Germany offers two main healthcare coverage options. These are the most important differences.
🏛️ Public insurance (GKV)
- Cost: Percentage of gross salary (~17.5% total in 2026, split equally between employee and employer)
- Family coverage: Non-earning spouse and children included at no extra cost
- Access to specialists: Standard waiting times apply
- Flexibility: Limited, standard coverage regulated by the state
- Hospitalisation: Shared room by default
- Who can take it out: Compulsory for employees earning below the annual threshold
🏆 Private insurance (PKV)
- Cost: Fixed premium based on age, health status and coverage — does not increase with salary
- Family coverage: Individual payment per member, but personalised coverage options
- Access to specialists: Priority access with much shorter waiting times
- Flexibility: High — you choose exactly what coverage to include
- Hospitalisation: Single or double room, head of department doctor
- Who can take it out: Employees earning over €6,450/month or self-employed workers
| Aspect | Public insurance (GKV) | Private insurance (PKV) |
|---|---|---|
| Monthly cost | Based on salary | Based on age and health — can be very advantageous |
| Family coverage | Included at no cost | Individual payment, personalised coverage |
| Access to specialists | Standard | Priority, shorter waiting times |
| Dental coverage | Basic | Comprehensive, including implants |
| Flexibility | Limited | High — exclusive and customisable coverage |
| Hospitalisation | Shared room | Private room + head of department |
For exact private insurance rates, visit Bramex Plus
At Bramex Plus you have a complete comparator of private health insurance in Germany with real rates, detailed coverage and personalised advice. It is the most complete tool we have for analysing private insurance.
The comparator on this page gives indicative figures. For real data and a tailored analysis of your case, Bramex Plus is the right place.