Find out whether public or private health insurance is better for you in Germany
We look at your personal situation and help you decide which option suits you best. A clear comparison, no strings attached, with advice in your language.
Free guidance · We help you choose the best option for your profile
Looking for real private health insurance rates in Germany?
On Bramex Plus you will find a complete private insurance comparison tool with up-to-date rates, detailed coverage and specialised 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 calculator on this page gives indicative figures. On Bramex Plus you will find the real data.
Indicative comparison: public vs private insurance
Enter your details to see an estimate of the approximate cost of each option.
Who can take out private health insurance in Germany?
Only people with a gross monthly salary above €6,450 can take out private health insurance (PKV). If your monthly salary is below that figure but you receive a bonus or additional payment and your annual total exceeds €77,400, you can also opt for private insurance.
Freelancers and self-employed people can take out private insurance regardless of their income, although conditions and prices vary depending on the profile.
Public vs private insurance: the key differences
Germany offers two main options for health coverage. These are the most important differences.
🏛️ Public insurance (GKV)
- Cost: Percentage of gross salary (~17.5% in total in 2026, half employee / half employer)
- Family coverage: Spouse and children without income included at no extra cost
- Access to specialists: With the usual waiting times
- Flexibility: Limited, standard coverage regulated by the state
- Hospital stays: 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, state of health and coverage — it does not rise with your salary
- Family coverage: Each member pays individually, but with personalised coverage
- Access to specialists: Priority, with much shorter waiting times
- Flexibility: High — you choose exactly which coverage to include
- Hospital stays: Single or double room, treatment by the head physician
- Who can take it out: Employees earning more than €6,450/month or self-employed people
| 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 | Extensive, up to and including implants |
| Flexibility | Limited | High — exclusive, customisable coverage |
| Hospital stays | Shared room | Single room + head physician |
For exact private insurance rates, visit Bramex Plus
On Bramex Plus you have a complete comparison tool for private health insurance in Germany, with real rates, detailed coverage and personal advice. It is the most complete tool we have for analysing private insurance.
The calculator on this page gives indicative figures. For real data and a tailored analysis of your case, Bramex Plus is the right place.