Not sure which health insurance you need in Germany?
Answer a few questions and we will tell you which option best fits your situation. The result is instant and you do not need to leave your email.
Request free adviceFree advice · We explain everything in your language with no commitment
Do you currently live in Germany?
This helps us understand your starting situation.
Are you about to start working?
Tell us whether you have a job lined up or not.
What type of work is it?
Your contract type determines which insurance applies to you.
What is your gross monthly salary?
The €6,450 gross/month threshold determines whether you can access private insurance.
What are you going to do in Germany?
Select the option that best describes your situation.
Temporary health insurance
Temporary health insurance is the most suitable option for your situation. It covers basic medical, dental and hospital care while you look for work or study German, from €36/month. It is valid for visa applications and can be maintained for up to 5 years.
Public health insurance (GKV)
With your salary as an employee, public health insurance (Krankenkasse) is what applies to you. Your employer covers half the cost. At Bramex we help you choose the best Krankenkasse and manage the whole process for free.
Public insurance (GKV) or private insurance (PKV)
With a salary above €6,450 gross per month you have access to both public and private insurance. Each option has different advantages. We recommend comparing before deciding.
Public insurance (GKV)
Standard coverage from the German public system. Your employer covers half the cost.
See moreHealth insurance for freelancers and self-employed
As a freelancer or self-employed person in Germany, private health insurance is usually the most suitable option. At Bramex we explain the available options and help you choose the best coverage for your situation.
University insurance or temporary insurance
If you are going to study at a German university, you have two options depending on your situation:
Temporary insurance
A valid alternative while you sort out your situation or do not yet meet the requirements for university insurance.
See moreVisitor insurance and/or visa application
If you are coming to Germany temporarily or need insurance to apply for a Schengen visa, visitor insurance is the right option. It covers medical care and meets the requirements of the German embassy.
Can't find the right option?
Tell us your situation and we will help you find the most suitable solution for you in Germany — clearly, professionally and with no commitment.