{"id":12191,"date":"2021-04-22T11:39:29","date_gmt":"2021-04-22T11:39:29","guid":{"rendered":"https:\/\/www.bramex.de\/?page_id=12191"},"modified":"2026-07-15T17:11:52","modified_gmt":"2026-07-15T16:11:52","slug":"public-health-insurance","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/public-health-insurance\/","title":{"rendered":"Public health insurance in Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12191\" class=\"elementor elementor-12191 elementor-34423\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9273656 e-con-full e-flex e-con e-parent\" data-id=\"9273656\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76d0f46 elementor-widget elementor-widget-html\" data-id=\"76d0f46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  WIDGET A (EN) \u2014 \/en\/public-health-insurance\/\n  Hero + Intro. Anchor \"#situation\" jumps to the triage in Widget B.\n-->\n\n<!-- 1. HERO ============================================================== -->\n<section class=\"brx-service-hero\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/seguro-medico-publico-alemania.png'); background-size:cover; background-position:center;\">\n    <div class=\"brx-service-hero__container\">\n      <div class=\"brx-service-hero__inner\">\n        <div class=\"brx-service-hero__card\">\n          <span class=\"brx-service-hero__eyebrow\">PUBLIC HEALTH INSURANCE \u00b7 GKV<\/span>\n          <h1 class=\"brx-service-hero__title\">Public health insurance in Germany (GKV): we handle your sign-up, in English<\/h1>\n          <p class=\"brx-service-hero__text\">Health insurance is mandatory in Germany. We advise you in English, compare the best Krankenkassen for your situation and take care of the entire registration \u2014 no German paperwork for you.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--yellow\">Get free advice<\/a>\n            <a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\" class=\"brx-btn brx-btn--white\">Compare Krankenkassen<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__anchor\"><a href=\"#situation\">Not sure which insurance applies to you? Check your situation \u2193<\/a><\/p>\n          <p class=\"brx-service-hero__note\"><strong>100% free<\/strong> insurance advisory and management service<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 2. INTRO ============================================================= -->\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <p>In Germany, <strong>health insurance is a legal requirement<\/strong> for everyone living in the country. Whether you are starting a job at a German company, taking a language course or working for yourself, you need to be covered from day one.<\/p>\n    <p>Most residents are insured through the public system (<strong>GKV \u2014 Gesetzliche Krankenversicherung<\/strong>) via a <strong>Krankenkasse<\/strong> (statutory health fund). It covers doctor's visits, medication, hospital treatment, preventive care and your family. Your contribution is calculated on your gross salary \u2014 and your employer pays half of it.<\/p>\n    <p>Not eligible for the public system yet because you are still job-hunting or learning German? There is <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-germany\/\">temporary health insurance from \u20ac36\/month<\/a> to keep you covered in the meantime.<\/p>\n    <p>At Bramex we guide you through your options, <strong>compare the Krankenkassen available for your situation<\/strong> and handle the full registration. <strong>Our service is completely free for you<\/strong>: we work as official intermediaries between the insurers and you.<\/p>\n  <\/div>\n<\/section>\n\n<style>\n.brx-service-hero__anchor{margin:14px 0 10px 0; font-size:15px;}\n.brx-service-hero__anchor a{color:#1c244b; font-weight:600; text-decoration:underline; text-decoration-color:#ffb905; text-decoration-thickness:2px;}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80f427c e-con-full e-flex e-con e-parent\" data-id=\"80f427c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ebf1de elementor-widget elementor-widget-html\" data-id=\"7ebf1de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  WIDGET B (EN) \u2014 \/en\/public-health-insurance\/\n  Triage (5 profiles) + Search CTA + Who must be insured + Cost with 2026 table + How to sign up + Other options\n-->\n\n<!-- 3. WHAT'S YOUR SITUATION? \u2014 TRIAGE =================================== -->\n<section class=\"brx-section\" id=\"situation\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">What's your situation?<\/h2>\n    <p style=\"text-align:center; max-width:720px; margin:0 auto 8px auto; font-size:16px; line-height:1.7; color:#595757;\">Each profile has a different insurance and a different procedure. Find yours and go straight to the information you need:<\/p>\n\n    <div class=\"brx-kkw-flex brx-kkw-flex--5\">\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83d\udcbc<\/div>\n        <h3 class=\"brx-kkw-card__title\">Employee at a German company<\/h3>\n        <p class=\"brx-kkw-card__text\">You are starting a job at a company based in Germany and need to be registered before your first day at work.<\/p>\n        <p class=\"brx-kkw-card__link\"><a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-germany-sign-up\/\">See details for employees \u2192<\/a><\/p>\n      <\/div>\n      \n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\u23f1\ufe0f<\/div>\n        <h3 class=\"brx-kkw-card__title\">Temporary health insurance<\/h3>\n        <p class=\"brx-kkw-card__text\">You are job-hunting, learning German or in between stages. Not eligible for the public system yet, but you need cover \u2014 from \u20ac36\/month.<\/p>\n        <p class=\"brx-kkw-card__link\"><a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-germany\/\">See the temporary insurance \u2192<\/a><\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83d\udc8e<\/div>\n        <h3 class=\"brx-kkw-card__title\">Private insurance (PKV)<\/h3>\n        <p class=\"brx-kkw-card__text\">You earn more than \u20ac6,450\/month, or you are self-employed or a civil servant, and prefer private cover with wider benefits.<\/p>\n        <p class=\"brx-kkw-card__link\"><a href=\"https:\/\/www.bramex.de\/en\/private-health-insurance\/\">See the private insurance \u2192<\/a><\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83e\uddd1\u200d\ud83d\udcbb<\/div>\n        <h3 class=\"brx-kkw-card__title\">Freelancer or self-employed<\/h3>\n        <p class=\"brx-kkw-card__text\">You work for yourself in Germany. You pay 100% of the contribution \u2014 there is no employer to cover half of it.<\/p>\n        <p class=\"brx-kkw-card__link\"><a href=\"https:\/\/www.bramex.de\/en\/health-insurance-freelancers-germany\/\">See details for freelancers \u2192<\/a><\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83c\udf93<\/div>\n        <h3 class=\"brx-kkw-card__title\">University student<\/h3>\n        <p class=\"brx-kkw-card__text\">You are enrolled at a German university. A special reduced rate applies until you turn 30 or reach your 14th semester.<\/p>\n        <p class=\"brx-kkw-card__link\"><a href=\"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/\">See details for students \u2192<\/a><\/p>\n      <\/div>\n      \n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 4. INSURANCE FINDER \u2014 safety net after the triage ==================== -->\n<section class=\"brx-search-cta\">\n  <div class=\"brx-container\">\n    <div class=\"brx-search-cta__box\">\n      <div class=\"brx-search-cta__content\">\n        <span class=\"brx-search-cta__eyebrow\">Insurance finder<\/span>\n        <h2 class=\"brx-search-cta__title\">None of these quite match your case?<\/h2>\n        <p class=\"brx-search-cta__text\">Use our insurance finder to see which option fits your situation best. And if you are still unsure, we will help you make the right call.<\/p>\n        <div class=\"brx-btn-wrap\">\n          <a href=\"https:\/\/www.bramex.de\/en\/find-health-insurance-in-germany\/\" class=\"brx-btn brx-btn--yellow\">Find my insurance<\/a>\n        <\/div>\n      <\/div>\n      <div class=\"brx-search-cta__visual\">\n        <div class=\"brx-search-cta__shape brx-search-cta__shape--one\"><\/div>\n        <div class=\"brx-search-cta__shape brx-search-cta__shape--two\"><\/div>\n        <div class=\"brx-search-cta__card\">\n          <div class=\"brx-search-cta__icon\">\n            <svg viewBox=\"0 0 64 64\" aria-hidden=\"true\"><path d=\"M27 12c-8.3 0-15 6.7-15 15s6.7 15 15 15c3.2 0 6.1-1 8.6-2.7l10.6 10.6 4.2-4.2-10.6-10.6c1.7-2.5 2.7-5.4 2.7-8.6 0-8.3-6.7-15-15-15zm0 6c5 0 9 4 9 9s-4 9-9 9-9-4-9-9 4-9 9-9z\"><\/path><\/svg>\n          <\/div>\n          <h3 class=\"brx-search-cta__card-title\">Find your insurance<\/h3>\n          <p class=\"brx-search-cta__card-text\">A quick, clear way to get your bearings before signing anything.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 5. WHO MUST BE INSURED =============================================== -->\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Who must have public health insurance in Germany?<\/h2>\n    <div class=\"brx-kkw-when\">\n      <div class=\"brx-kkw-when__block\">\n        <h3 class=\"brx-kkw-when__title\">Employees<\/h3>\n        <p class=\"brx-kkw-when__text\">If you work for a German company and your gross salary is <strong>between \u20ac603 and \u20ac6,450 a month<\/strong> (\u20ac77,400\/year), you are required to join a public Krankenkasse. Below \u20ac603 your job counts as a minijob: while you look for a full contract, you may need <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-germany\/\">temporary health insurance<\/a>. Above \u20ac6,450\/month you can opt for <a href=\"https:\/\/www.bramex.de\/en\/private-health-insurance\/\">private insurance (PKV)<\/a>.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-when__block\">\n        <h3 class=\"brx-kkw-when__title\">Students, self-employed and families<\/h3>\n        <p class=\"brx-kkw-when__text\"><a href=\"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/\">University students<\/a> up to age 30 or the 14th semester, <strong>apprentices (Ausbildung)<\/strong> and <strong>pensioners<\/strong> are also part of the public system. Your <strong>spouse without their own income and your children<\/strong> are co-insured on your policy free of charge (Familienversicherung). If you are still learning the language or job-hunting and cannot join the public system yet, <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-germany\/\">temporary health insurance<\/a> covers the transition.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 6. HOW MUCH DOES IT COST \u2014 visual box + text + 2026 TABLE ============ -->\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">How much does health insurance cost in Germany?<\/h2>\n\n    <div class=\"brx-kkw-saving\">\n      <div class=\"brx-kkw-saving__highlight\">\n        <span class=\"brx-kkw-saving__amount\">~17.5%<\/span>\n        <span class=\"brx-kkw-saving__period\">of your gross salary<\/span>\n        <span class=\"brx-kkw-saving__divider\"><\/span>\n        <span class=\"brx-kkw-saving__yearly\">You pay 50%<\/span>\n        <span class=\"brx-kkw-saving__yearly-label\">Your employer pays the other 50%<\/span>\n      <\/div>\n      <div class=\"brx-kkw-saving__text\">\n        <p>Public health insurance in Germany is made up of a <strong>general rate of 14.6%<\/strong> (the same for every Krankenkasse) plus an <strong>individual additional rate<\/strong> set by each fund: the 2026 average is 2.9%. In total, the contribution ranges from 16.78% (the cheapest funds) to 19% (the most expensive) of your gross salary.<\/p>\n        <p>As an employee, <strong>you pay half and your employer pays the other half<\/strong>. The amount is deducted automatically from your payslip \u2014 you never transfer anything to the insurer yourself.<\/p>\n        <p>The gap between Krankenkassen has widened sharply in 2026: <strong>choosing well can save you more than \u20ac600 a year<\/strong> on an average salary, with the same core benefits. At Bramex we calculate your real contribution before you sign anything.<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"brx-gkv-datos\">\n      <h3 class=\"brx-gkv-datos__title\">Public health insurance (GKV) rates in 2026<\/h3>\n      <span class=\"brx-gkv-datos__fecha\">Last updated: July 2026<\/span>\n      <div class=\"brx-gkv-datos__scroll\">\n        <table>\n          <tr><th>Item<\/th><th>2026 value<\/th><\/tr>\n          <tr><td>General contribution rate (same for all Krankenkassen)<\/td><td><strong>14.6%<\/strong> of gross salary<\/td><\/tr>\n          <tr><td>Average additional rate (Zusatzbeitrag, set by each fund)<\/td><td><strong>2.9%<\/strong> (between 2.18% and 4.39% depending on the fund)<\/td><\/tr>\n          <tr><td>Average total rate<\/td><td><strong>17.5%<\/strong> \u2014 half is paid by your employer<\/td><\/tr>\n          <tr><td>Maximum salary contributions are calculated on (Beitragsbemessungsgrenze)<\/td><td><strong>\u20ac5,812.50\/month<\/strong> (\u20ac69,750\/year)<\/td><\/tr>\n          <tr><td>Salary threshold to switch to private insurance (Versicherungspflichtgrenze)<\/td><td><strong>\u20ac77,400\/year<\/strong> (\u2248 \u20ac6,450\/month)<\/td><\/tr>\n          <tr><td>Example: gross salary of \u20ac3,000\/month<\/td><td>Total contribution \u2248 <strong>\u20ac525<\/strong>, of which you pay \u2248 <strong>\u20ac262.50<\/strong> (your employer pays the rest)<\/td><\/tr>\n        <\/table>\n      <\/div>\n      <p class=\"brx-gkv-datos__nota\">Official 2026 figures set by the German Federal Ministry of Health (BMG) and published in the Bundesanzeiger. The exact additional rate depends on each Krankenkasse and can change during the year.<\/p>\n      <p class=\"brx-gkv-datos__cta\"><a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\">Compare the Krankenkassen and their 2026 rates here<\/a>.<\/p>\n    <\/div>\n\n    <div class=\"brx-cost-cards\">\n      <div class=\"brx-cost-card\">\n        <div class=\"brx-cost-card__text\"><strong>The employee<\/strong> contributes half of the total.<\/div>\n      <\/div>\n      <div class=\"brx-cost-card\">\n        <div class=\"brx-cost-card__text\"><strong>The employer<\/strong> contributes the other half.<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"brx-cost-block__text brx-cost-block__text--after\">\n      <p>Your health insurance is paid monthly and <strong>deducted directly from your salary<\/strong> \u2014 you will see it itemised on your payslip along with the other social contributions. You never pay the Krankenkasse directly: the money is transferred automatically.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 7. HOW TO SIGN UP ==================================================== -->\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <section class=\"brx-how-contract\">\n      <div class=\"brx-how-contract__top\">\n        <h2 class=\"brx-how-contract__title\">How to get health insurance in Germany<\/h2>\n        <div class=\"brx-how-contract__subtitle\">through Bramex<\/div>\n        <div class=\"brx-how-contract__steps\">\n          <div class=\"brx-how-contract__step\">\n            <div class=\"brx-how-contract__step-number\">1<\/div>\n            <div class=\"brx-how-contract__step-label\">STEP 1<\/div>\n            <div class=\"brx-how-contract__step-text\">Check the rates in our Krankenkassen comparison<\/div>\n          <\/div>\n          <div class=\"brx-how-contract__step\">\n            <div class=\"brx-how-contract__step-number\">2<\/div>\n            <div class=\"brx-how-contract__step-label\">STEP 2<\/div>\n            <div class=\"brx-how-contract__step-text\">Choose the advisory service you need<\/div>\n          <\/div>\n          <div class=\"brx-how-contract__step\">\n            <div class=\"brx-how-contract__step-number\">3<\/div>\n            <div class=\"brx-how-contract__step-label\">STEP 3<\/div>\n            <div class=\"brx-how-contract__step-text\">Fill in the form<\/div>\n          <\/div>\n          <div class=\"brx-how-contract__step\">\n            <div class=\"brx-how-contract__step-number\">4<\/div>\n            <div class=\"brx-how-contract__step-label\">STEP 4<\/div>\n            <div class=\"brx-how-contract__step-text\">We check your details and handle the registration<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"brx-how-contract__cta-box\">\n        <div class=\"brx-how-contract__cta-media\">\n          <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/seguro-de-salud-para-empleados-3.png\" alt=\"health insurance for employees in Germany\">\n        <\/div>\n        <div class=\"brx-how-contract__cta-content\">\n          <h3 class=\"brx-how-contract__cta-title\">I'm starting a job at a German company<\/h3>\n          <p class=\"brx-how-contract__cta-text\">We deal with the German bureaucracy for you. Full insurance management and professional advice in English \u2014 fast and at no extra cost. 100% guaranteed.<\/p>\n          <div class=\"brx-how-contract__cta-actions\">\n            <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-germany-sign-up\/\" class=\"brx-btn brx-btn--yellow\">Sign me up for public health insurance (GKV)<\/a>\n          <\/div>\n          <br>\n          <div class=\"brx-how-contract__cta-actions\">\n            <a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\" class=\"brx-btn brx-btn--yellow\">Take me to the Krankenkassen comparison<\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n  <\/div>\n<\/section>\n\n<!-- 8. OTHER OPTIONS ===================================================== -->\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Other public health insurance scenarios in Germany<\/h2>\n    <p style=\"text-align:center; max-width:720px; margin:0 auto 8px auto; font-size:16px; line-height:1.7; color:#595757;\">If your case is less common \u2014 posted worker or remote worker with a contract outside Germany \u2014 these are the most frequent scenarios:<\/p>\n    <div class=\"brx-modalities\">\n      <div class=\"brx-modalities__grid\">\n        <article class=\"brx-modality-card\">\n          <a class=\"brx-modality-card__media\" href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">\n            <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/seguro-de-salud-para-empleados-6.png\" alt=\"health insurance for posted workers\">\n          <\/a>\n          <div class=\"brx-modality-card__content\">\n            <h3 class=\"brx-modality-card__title\"><a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">An EU-based employer is sending me to work in Germany<\/a><\/h3>\n            <div class=\"brx-modality-card__actions\">\n              <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\" class=\"brx-btn brx-btn--yellow\">See other public health insurance options<\/a>\n            <\/div>\n          <\/div>\n        <\/article>\n        <article class=\"brx-modality-card\">\n          <a class=\"brx-modality-card__media\" href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">\n            <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/seguro-de-salud-para-empleados-2.png\" alt=\"health insurance for employees in Germany\">\n          <\/a>\n          <div class=\"brx-modality-card__content\">\n            <h3 class=\"brx-modality-card__title\"><a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">An employer outside the EU is sending me to work in Germany<\/a><\/h3>\n            <div class=\"brx-modality-card__actions\">\n              <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\" class=\"brx-btn brx-btn--yellow\">See other public health insurance options<\/a>\n            <\/div>\n          <\/div>\n        <\/article>\n        <article class=\"brx-modality-card\">\n          <a class=\"brx-modality-card__media\" href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">\n            <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/seguro-de-salud-para-empleados-5.png\" alt=\"health insurance for remote workers\">\n          <\/a>\n          <div class=\"brx-modality-card__content\">\n            <h3 class=\"brx-modality-card__title\"><a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">I have an employment contract in the EU and work remotely from Germany<\/a><\/h3>\n            <div class=\"brx-modality-card__actions\">\n              <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\" class=\"brx-btn brx-btn--yellow\">See other public health insurance options<\/a>\n            <\/div>\n          <\/div>\n        <\/article>\n        <article class=\"brx-modality-card\">\n          <a class=\"brx-modality-card__media\" href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">\n            <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/seguro-de-salud-para-empleados-4.png\" alt=\"health insurance for remote workers in Germany\">\n          <\/a>\n          <div class=\"brx-modality-card__content\">\n            <h3 class=\"brx-modality-card__title\"><a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\">I have an employment contract outside the EU and work remotely from Germany<\/a><\/h3>\n            <div class=\"brx-modality-card__actions\">\n              <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-other-options\/\" class=\"brx-btn brx-btn--yellow\">See other public health insurance options<\/a>\n            <\/div>\n          <\/div>\n        <\/article>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n\/* \u2500\u2500\u2500 TRIAGE 5 CARDS \u2500\u2500\u2500 *\/\n.brx-kkw-flex{display:flex; flex-wrap:wrap; justify-content:center; gap:24px; margin-top:40px;}\n.brx-kkw-flex--5 .brx-kkw-card{flex:0 1 calc(33.333% - 16px); max-width:calc(33.333% - 16px);}\n.brx-kkw-card{padding:24px; background:#ffffff; border-radius:16px; box-shadow:0 4px 16px rgba(0,0,0,0.05); display:flex; flex-direction:column;}\n.brx-kkw-card__icon{font-size:28px; margin-bottom:12px; display:block;}\n.brx-kkw-card__title{font-size:16px; font-weight:700; color:#1c244b; margin:0 0 8px 0; line-height:1.3;}\n.brx-kkw-card__text{font-size:14px; line-height:1.6; color:#595757; margin:0 0 12px 0; flex-grow:1;}\n.brx-kkw-card__link{margin:0; font-size:14px;}\n.brx-kkw-card__link a{color:#1c244b; font-weight:600; text-decoration:none; border-bottom:2px solid #ffb905; padding-bottom:1px; transition:opacity .2s;}\n.brx-kkw-card__link a:hover{opacity:.7;}\n\n\/* \u2500\u2500\u2500 \"WHO MUST\" BLOCKS \u2500\u2500\u2500 *\/\n.brx-kkw-when{display:grid; grid-template-columns:1fr 1fr; gap:28px; margin-top:40px;}\n.brx-kkw-when__block{padding:32px; background:#ffffff; border-radius:20px; border-left:4px solid #ffb905; box-shadow:0 4px 16px rgba(0,0,0,0.05);}\n.brx-kkw-when__title{font-size:20px; font-weight:700; color:#1c244b; margin:0 0 12px 0;}\n.brx-kkw-when__text{font-size:15px; line-height:1.7; color:#595757; margin:0;}\n.brx-kkw-when__text a{color:#1c244b; font-weight:600; text-decoration:underline;}\n\n\/* \u2500\u2500\u2500 COST VISUAL BOX \u2500\u2500\u2500 *\/\n.brx-kkw-saving{display:grid; grid-template-columns:340px 1fr; gap:40px; margin-top:40px; align-items:center;}\n.brx-kkw-saving__highlight{background:linear-gradient(135deg, #1c244b 0%, #2d3a6e 100%); color:#ffffff; padding:40px 32px; border-radius:20px; text-align:center; display:flex; flex-direction:column; align-items:center; box-shadow:0 8px 24px rgba(28,36,75,0.18);}\n.brx-kkw-saving__amount{font-size:48px; font-weight:700; color:#ffb905; line-height:1; margin-bottom:6px;}\n.brx-kkw-saving__period{font-size:18px; color:#ffffff; margin-bottom:20px;}\n.brx-kkw-saving__divider{width:60px; height:2px; background:#ffb905; margin-bottom:20px;}\n.brx-kkw-saving__yearly{font-size:24px; font-weight:600; color:#ffffff; margin-bottom:6px; line-height:1.2;}\n.brx-kkw-saving__yearly-label{font-size:13px; color:#c8d0e8; line-height:1.5;}\n.brx-kkw-saving__text p{font-size:16px; line-height:1.75; color:#595757; margin:0 0 16px 0;}\n.brx-kkw-saving__text p:last-child{margin-bottom:0;}\n\n\/* \u2500\u2500\u2500 GKV 2026 DATA TABLE \u2500\u2500\u2500 *\/\n.brx-gkv-datos{max-width:860px; margin:48px auto 0 auto;}\n.brx-gkv-datos__title{color:#1c244b; font-size:24px; font-weight:700; margin:0 0 6px 0;}\n.brx-gkv-datos__fecha{display:inline-block; background:#ffb905; color:#1c244b; font-size:13px; font-weight:600; padding:4px 12px; border-radius:20px; margin-bottom:18px;}\n.brx-gkv-datos__scroll{overflow-x:auto;}\n.brx-gkv-datos table{width:100%; min-width:520px; border-collapse:collapse; font-size:15px;}\n.brx-gkv-datos th{background:#1c244b; color:#ffffff; text-align:left; padding:12px 14px; font-weight:600;}\n.brx-gkv-datos td{padding:12px 14px; border-bottom:1px solid #e4e6ee; color:#595757; vertical-align:top;}\n.brx-gkv-datos tr:nth-child(even) td{background:#f6f7fb;}\n.brx-gkv-datos td strong{color:#1c244b;}\n.brx-gkv-datos__nota{font-size:13px; color:#595757; margin-top:12px; line-height:1.5;}\n.brx-gkv-datos__cta{margin-top:10px; font-size:15px;}\n.brx-gkv-datos__cta a{color:#1c244b; font-weight:600; text-decoration:underline; text-decoration-color:#ffb905; text-decoration-thickness:2px;}\n\n\/* \u2500\u2500\u2500 COST CARDS \u2500\u2500\u2500 *\/\n.brx-cost-cards{display:grid; grid-template-columns:1fr 1fr; gap:20px; margin:40px 0 0 0;}\n.brx-cost-card{padding:28px; background:#ffffff; border-radius:18px; border-top:4px solid #ffb905; box-shadow:0 4px 16px rgba(0,0,0,0.05);}\n.brx-cost-card__text{font-size:16px; line-height:1.7; color:#595757; margin:0;}\n.brx-cost-card__text strong{color:#1c244b;}\n.brx-cost-block__text--after{margin-top:32px; max-width:860px; margin-left:auto; margin-right:auto;}\n.brx-cost-block__text--after p{font-size:16px; line-height:1.75; color:#595757; margin:0; text-align:center;}\n\n\/* \u2500\u2500\u2500 HOW-CONTRACT \u2500\u2500\u2500 *\/\n.brx-how-contract{padding-top:10px;}\n.brx-how-contract__top{margin-bottom:34px;}\n.brx-how-contract__title{margin:0 0 8px 0; font-size:36px; line-height:1.15; color:#1c244b;}\n.brx-how-contract__subtitle{margin:0 0 28px 0; font-size:18px; line-height:1.5; color:#686766;}\n.brx-how-contract__steps{display:grid; grid-template-columns:repeat(4, 1fr); gap:18px;}\n.brx-how-contract__step{padding:26px 22px; border:1px solid #e4e8f0; border-radius:22px; background:#ffffff; text-align:left; box-shadow:0 8px 20px rgba(28,36,75,0.04);}\n.brx-how-contract__step-number{width:46px; height:46px; margin-bottom:14px; border-radius:50%; background:#ffb905; color:#1c244b; font-size:22px; font-weight:700; line-height:1; display:flex; align-items:center; justify-content:center;}\n.brx-how-contract__step-label{margin:0 0 10px 0; font-size:13px; line-height:1.2; font-weight:700; letter-spacing:0.4px; color:#1c244b;}\n.brx-how-contract__step-text{font-size:17px; line-height:1.65; color:#595757;}\n.brx-how-contract__cta-box{display:grid; grid-template-columns:0.95fr 1.05fr; gap:30px; align-items:center; padding:30px; border-radius:28px; background:#ffffff;}\n.brx-how-contract__cta-media{overflow:hidden; border-radius:24px; background:#ffffff;}\n.brx-how-contract__cta-media img{display:block; width:100%; height:100%; object-fit:cover;}\n.brx-how-contract__cta-content{padding-right:10px;}\n.brx-how-contract__cta-title{margin:0 0 16px 0; font-size:30px; line-height:1.2; color:#1c244b;}\n.brx-how-contract__cta-text{margin:0 0 24px 0; font-size:17px; line-height:1.75; color:#595757;}\n\n\/* \u2500\u2500\u2500 OTHER OPTIONS CARDS \u2500\u2500\u2500 *\/\n.brx-modalities{margin-top:40px;}\n.brx-modalities__grid{display:grid; grid-template-columns:repeat(2, 1fr); gap:28px;}\n.brx-modality-card{display:flex; flex-direction:column; background:#ffffff; border-radius:22px; overflow:hidden; box-shadow:0 4px 16px rgba(0,0,0,0.05); transition:transform .25s, box-shadow .25s;}\n.brx-modality-card:hover{transform:translateY(-3px); box-shadow:0 12px 28px rgba(28,36,75,0.12);}\n.brx-modality-card__media{display:block; width:100%; aspect-ratio:16 \/ 9; overflow:hidden; background:#f7f8fb;}\n.brx-modality-card__media img{width:100%; height:100%; object-fit:cover; transition:transform .35s;}\n.brx-modality-card:hover .brx-modality-card__media img{transform:scale(1.04);}\n.brx-modality-card__content{padding:24px 24px 28px 24px; display:flex; flex-direction:column; gap:20px; flex-grow:1;}\n.brx-modality-card__title{margin:0; font-size:19px; line-height:1.35; font-weight:700; color:#1c244b;}\n.brx-modality-card__title a{color:inherit; text-decoration:none;}\n.brx-modality-card__title a:hover{color:#ffb905;}\n.brx-modality-card__actions{margin-top:auto;}\n\n\/* \u2500\u2500\u2500 RESPONSIVE \u2500\u2500\u2500 *\/\n@media (max-width:1024px){\n  .brx-kkw-flex--5 .brx-kkw-card{flex:0 1 calc(50% - 12px); max-width:calc(50% - 12px);}\n  .brx-kkw-when{grid-template-columns:1fr;}\n  .brx-kkw-saving{grid-template-columns:1fr; gap:32px;}\n  .brx-kkw-saving__highlight{max-width:380px; margin:0 auto;}\n  .brx-cost-cards{grid-template-columns:1fr;}\n  .brx-how-contract__steps{grid-template-columns:repeat(2,1fr);}\n  .brx-how-contract__cta-box{grid-template-columns:1fr;}\n  .brx-how-contract__cta-content{padding-right:0;}\n  .brx-how-contract__cta-title{font-size:26px;}\n  .brx-modalities__grid{grid-template-columns:1fr;}\n}\n@media (max-width:767px){\n  .brx-kkw-flex--5 .brx-kkw-card{flex:0 1 100%; max-width:100%;}\n  .brx-kkw-saving__amount{font-size:40px;}\n  .brx-kkw-saving__yearly{font-size:20px;}\n  .brx-kkw-saving__highlight{padding:32px 24px;}\n  .brx-how-contract__title{font-size:26px;}\n  .brx-how-contract__subtitle{font-size:16px;}\n  .brx-how-contract__steps{grid-template-columns:1fr; gap:14px;}\n  .brx-how-contract__step{padding:22px 18px; border-radius:18px;}\n  .brx-how-contract__step-text{font-size:16px;}\n  .brx-how-contract__cta-box{gap:22px; padding:20px; border-radius:22px;}\n  .brx-how-contract__cta-title{font-size:22px;}\n  .brx-modality-card__title{font-size:17px;}\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4cefd1 e-flex e-con-boxed e-con e-parent\" data-id=\"e4cefd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67520c1 elementor-widget elementor-widget-shortcode\" data-id=\"67520c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"39734\" class=\"elementor elementor-39734 elementor-39731 elementor-39731\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-315ea22 e-flex e-con-boxed e-con e-parent\" data-id=\"315ea22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb26d8c elementor-widget elementor-widget-html\" data-id=\"fb26d8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ============ BLOQUE RESE\u00d1AS \u00b7 BRAMEX \u00b7 EN ============ -->\n<section class=\"brx-rev\">\n  <div class=\"brx-rev__wrap\">\n\n    <p class=\"brx-rev__eyebrow\">Reviews<\/p>\n    <h2 class=\"brx-rev__title\">What our clients say<\/h2>\n\n    <div class=\"brx-rev__panel\">\n      <span class=\"brx-rev__score\">4.9<\/span>\n      <span class=\"brx-rev__panelblock\">\n        <span class=\"brx-rev__pstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <span class=\"brx-rev__plabel\">Average rating from our clients on Google<\/span>\n      <\/span>\n    <\/div>\n\n    <div class=\"brx-rev__grid\">\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"Excellent service. Super fast, super friendly, and they genuinely care about your situation. More than grateful.\"<\/p>\n        <p class=\"brx-rev__author\">Ailin Chionda<\/p>\n      <\/div>\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"A relative of mine needed health insurance in Germany. Bramex helped me kindly and advised me on how to proceed. I appreciate and recommend their services.\"<\/p>\n        <p class=\"brx-rev__author\">Javier D\u00edaz<\/p>\n      <\/div>\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"Professional, attentive and human. They are advising me perfectly on every detail when choosing a health insurance. A service I'd 100% recommend.\"<\/p>\n        <p class=\"brx-rev__author\">Luis de la Hoz<\/p>\n      <\/div>\n\n    <\/div>\n\n    <p class=\"brx-rev__note\">Some reviews have been automatically translated.<\/p>\n\n    <div class=\"brx-rev__google\">\n      <span class=\"brx-rev__gstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n      <span class=\"brx-rev__glogo\">\n        <span style=\"color:#4285F4\">G<\/span><span style=\"color:#EA4335\">o<\/span><span style=\"color:#FBBC05\">o<\/span><span style=\"color:#4285F4\">g<\/span><span style=\"color:#34A853\">l<\/span><span style=\"color:#EA4335\">e<\/span>\n      <\/span>\n    <\/div>\n\n    <div class=\"brx-rev__ctawrap\">\n      <a class=\"brx-rev__cta\"\n         href=\"https:\/\/www.google.com\/maps\/place\/Bramex\/@48.7814174,9.1804099,17z\/data=!4m7!3m6!1s0x4799c6bf4d4b6a99:0x13e788db2f7576b4!8m2!3d48.7814174!4d9.1804099!9m1!1b1\"\n         target=\"_blank\" rel=\"noopener\">Read the reviews on Google<\/a>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<style>\n.brx-rev{font-family:'Poppins',Arial,sans-serif;background:#f7f8fb;border-radius:18px;padding:48px 20px;margin:32px 0;}\n.brx-rev__wrap{max-width:1100px;margin:0 auto;text-align:center;}\n.brx-rev__eyebrow{color:#595757;font-size:13px;font-weight:600;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;}\n.brx-rev__title{color:#1c244b;font-size:32px;line-height:1.2;font-weight:700;margin:0 0 28px;}\n.brx-rev__panel{display:inline-flex;align-items:center;gap:16px;background:#1c244b;border-radius:14px;padding:16px 26px;margin:0 0 36px;text-align:left;}\n.brx-rev__score{font-size:40px;line-height:1;font-weight:700;color:#ffffff;}\n.brx-rev__panelblock{display:flex;flex-direction:column;gap:4px;}\n.brx-rev__pstars{color:#ffb905;font-size:20px;letter-spacing:2px;}\n.brx-rev__plabel{color:#e7e9f2;font-size:13px;font-weight:400;}\n.brx-rev__grid{display:flex;gap:22px;flex-wrap:wrap;justify-content:center;}\n.brx-rev__card{flex:1 1 280px;max-width:340px;background:#ffffff;border:1px solid #eceef4;border-radius:14px;padding:24px 22px;text-align:left;box-shadow:0 6px 18px rgba(28,36,75,.06);}\n.brx-rev__cstars{color:#ffb905;font-size:18px;letter-spacing:2px;}\n.brx-rev__quote{color:#3a3a3a;font-size:15px;line-height:1.55;margin:12px 0 16px;}\n.brx-rev__author{color:#1c244b;font-size:15px;font-weight:600;margin:0;}\n.brx-rev__note{color:#8a8a8a;font-size:12px;font-style:italic;margin:22px 0 0;}\n.brx-rev__google{display:flex;flex-direction:column;align-items:center;gap:2px;margin:34px 0 4px;}\n.brx-rev__gstars{color:#1c244b;font-size:22px;letter-spacing:3px;}\n.brx-rev__glogo{font-size:34px;font-weight:600;font-family:Arial,sans-serif;}\n.brx-rev__ctawrap{margin-top:22px;}\n.brx-rev__cta{display:inline-block;background:#1c244b;color:#ffffff;font-size:15px;font-weight:600;text-decoration:none;padding:13px 28px;border-radius:9px;transition:transform .15s ease,box-shadow .15s ease;}\n.brx-rev__cta:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(28,36,75,.25);}\n@media(max-width:700px){.brx-rev__title{font-size:26px;}.brx-rev__panel{flex-direction:column;gap:8px;text-align:center;}.brx-rev__card{flex:1 1 100%;max-width:100%;}}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70118fe e-con-full e-flex e-con e-parent\" data-id=\"70118fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-414ecb9 elementor-widget elementor-widget-html\" data-id=\"414ecb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  WIDGET C (EN) \u2014 \/en\/public-health-insurance\/\n  How it works + Why Bramex + FAQ with FAQPage schema + Final CTA\n-->\n\n<!-- 9. HOW IT WORKS ====================================================== -->\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-info-split\">\n      <div class=\"brx-info-split__left\">\n        <h2 class=\"brx-info-split__title\">\n          How health insurance works in Germany\n          <span class=\"brx-info-split__title-small\">(for employees)<\/span>\n        <\/h2>\n        <div class=\"brx-info-split__media\">\n          <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/salud.png\" alt=\"health insurance in Germany\">\n        <\/div>\n      <\/div>\n      <div class=\"brx-info-split__right\">\n        <h3 class=\"brx-info-split__mini-title\">The Krankenkassen \u2014 Germany's public health funds<\/h3>\n        <p>If you work for a company and earn <strong>more than \u20ac603 gross a month<\/strong>, you must have health insurance. It is you \u2014 not your employer \u2014 who registers with a public Krankenkasse; once you have your membership, you simply pass the insurance number on to your company.<\/p>\n        <p>There are <strong>several dozen public health funds<\/strong> offering different rates and extra benefits on top of the legal minimum: medical, dental and hospital treatment plus additional services (prevention programmes, wheelchairs or hearing aids, for example).<\/p>\n        <p>The core benefits are identical everywhere because the law sets them. What changes is the <strong>individual additional rate<\/strong> each fund charges: in 2026 it ranges from 2.18% to 4.39% of your gross salary. So the money-saving question is not how the GKV works \u2014 it's which Krankenkasse to pick. That's exactly what <a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\">our Krankenkassen comparison<\/a> is for.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 10. WHY BRAMEX ======================================================= -->\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Why manage your health insurance with Bramex<\/h2>\n    <div class=\"brx-kkw-grid brx-kkw-grid--8\">\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83c\udfaf<\/div>\n        <h3 class=\"brx-kkw-card__title\">Unbiased choice<\/h3>\n        <p class=\"brx-kkw-card__text\">We help you pick the Krankenkasse that genuinely fits your situation.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83d\udcb0<\/div>\n        <h3 class=\"brx-kkw-card__title\">No extra fees<\/h3>\n        <p class=\"brx-kkw-card__text\">Advice and full management, completely free of charge for you.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83c\udfe5<\/div>\n        <h3 class=\"brx-kkw-card__title\">Wide partner network<\/h3>\n        <p class=\"brx-kkw-card__text\">We work with 95% of Germany's leading insurers.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83e\udd1d<\/div>\n        <h3 class=\"brx-kkw-card__title\">Ongoing support<\/h3>\n        <p class=\"brx-kkw-card__text\">We stay by your side before, during and after you sign up.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83d\udd14<\/div>\n        <h3 class=\"brx-kkw-card__title\">Kept up to date<\/h3>\n        <p class=\"brx-kkw-card__text\">We let you know about changes and news that may affect you.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83c\udf0d<\/div>\n        <h3 class=\"brx-kkw-card__title\">In your language<\/h3>\n        <p class=\"brx-kkw-card__text\">All support and paperwork handled in English \u2014 no language barrier.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\ud83d\udccb<\/div>\n        <h3 class=\"brx-kkw-card__title\">No bureaucracy<\/h3>\n        <p class=\"brx-kkw-card__text\">We take care of all the paperwork. You only sign where needed.<\/p>\n      <\/div>\n      <div class=\"brx-kkw-card\">\n        <div class=\"brx-kkw-card__icon\">\u2b50<\/div>\n        <h3 class=\"brx-kkw-card__title\">Proven experience<\/h3>\n        <p class=\"brx-kkw-card__text\">Years of helping expats and internationals with their insurance in Germany.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 11. FAQ ============================================================== -->\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Frequently asked questions about health insurance in Germany<\/h2>\n    <div class=\"brx-gkv-faq\">\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Is health insurance mandatory in Germany?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Yes. <strong>Everyone living in Germany must have health insurance<\/strong>, either public (GKV) or private (PKV). The European Health Insurance Card only covers you for the first three months after your Anmeldung.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">What happens if you don't have health insurance in Germany?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Going uninsured gets expensive fast. First, <strong>you pay every treatment entirely out of pocket<\/strong> (a single hospital night can run into hundreds of euros). Second, when you eventually register, the Krankenkasse can <strong>charge you retroactively for the whole uninsured period<\/strong>, creating a serious debt. And third, many procedures (visas, residence permits, contracts) require proof of active insurance. If you are in transition and cannot join the public system yet, <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-germany\/\">temporary health insurance<\/a> closes that gap from \u20ac36\/month.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">How much does public health insurance cost?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>The total contribution is calculated on your gross salary and in 2026 it averages <strong>17.5% of your pay<\/strong> (a 14.6% general rate plus each Krankenkasse's own additional rate, 2.9% on average). As an employee, <strong>you pay half and your employer pays the other half<\/strong>. If you are self-employed, you pay the full contribution yourself.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">What's the difference between public (GKV) and private (PKV) insurance?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>The <strong>GKV<\/strong> charges a percentage of your salary, all Krankenkassen provide the same core benefits, and family members without income are insured for free. The <strong>PKV<\/strong> charges a fixed premium based on age and health, offers wider cover, and every family member needs their own policy.<\/p>\n          <p>For employees earning under \u20ac6,450 gross\/month (\u20ac77,400\/year in 2026), the GKV is mandatory. <a href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\">Compare GKV vs PKV with our calculator.<\/a><\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Can I choose any Krankenkasse?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Yes, you have <strong>complete freedom to choose<\/strong> among all the Krankenkassen in the country (AOK, TK, Barmer, DAK, HKK, BKK\u2026 and many more). Even if your employer offers to handle it, the decision is yours. That's why at Bramex we help you compare before you commit.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Does my insurance cover my family at no extra cost?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Yes. Public insurance covers your <strong>spouse without their own income<\/strong> (as long as they earn no more than \u20ac565\/month) and your <strong>children up to 18<\/strong> (up to 25 if they are studying or doing an Ausbildung) free of charge. This is the <em>Familienversicherung<\/em>. Unmarried partners are not included.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">I don't have a job in Germany yet. Can I still join the public system?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p><strong>If you are an EU citizen<\/strong>: you need the <strong>E104 form<\/strong>, issued by the social security office in your home country, proving your insurance record over the last year and a half. Without it, the Krankenkassen will not process your application.<\/p>\n          <p><strong>If you come from outside the EU<\/strong>: you will be asked for an <strong>active visa of at least 12 months<\/strong>. If you don't have one yet, the usual route is temporary private insurance until you get the visa, then switching to the public system.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Can my employer handle the insurance for me?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Your employer may offer to, but <strong>the final choice is yours<\/strong>. The \"default\" Krankenkasse your company assigns may not be the best one for you. We recommend comparing before you accept: with the 2026 rate differences, choosing well can mean <strong>over \u20ac600 in savings per year<\/strong>.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">I've lost my job. What happens to my Krankenkasse?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>You remain a member and you don't lose your cover. If you receive unemployment benefit (ALG&nbsp;I), the <strong>Agentur f\u00fcr Arbeit<\/strong> pays your contributions. If you receive no benefit, your Krankenkasse will send you a letter to reclassify you. <strong>Don't ignore it<\/strong>: if you fail to reply, you'll be put on the highest rate and the debt will pile up. At Bramex we help you sort this out.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Can I switch Krankenkasse later?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Yes. After <strong>12 months<\/strong> with the same fund you can switch with 2 months' notice. You can also switch without notice when you change employer or when your Krankenkasse announces a rate increase. <a href=\"https:\/\/www.bramex.de\/en\/switching-krankenkasse-in-germany\/\">See how to switch Krankenkasse step by step.<\/a><\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Does the GKV cover the dentist?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Public insurance covers basic dental care (check-ups, simple fillings, annual cleanings) and a percentage of dentures. For full cover of orthodontics, implants, high-quality dentures or cosmetic dentistry, it usually pays off to add <a href=\"https:\/\/www.bramex.de\/en\/supplemental-dental-insurance-germany\/\">supplemental dental insurance<\/a>.<\/p>\n        <\/div>\n      <\/details>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- 12. FINAL CTA ======================================================== -->\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Ready to get your health insurance in Germany?<\/h2>\n      <p class=\"brx-mini-cta__text\">Tell us your situation and we'll check which insurance applies to you, which Krankenkassen are your best options \u2014 and we'll handle the registration without you touching a single form.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance-germany-sign-up\/\" class=\"brx-btn brx-btn--navy\">Get my health insurance<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- FAQPage SCHEMA ======================================================= -->\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\": \"Question\", \"name\": \"Is health insurance mandatory in Germany?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Everyone living in Germany must have health insurance, either public (GKV) or private (PKV). The European Health Insurance Card only covers the first three months after the Anmeldung.\"}},\n    {\"@type\": \"Question\", \"name\": \"What happens if you don't have health insurance in Germany?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"You pay every treatment out of pocket; when you register later, the Krankenkasse can charge you retroactively for the whole uninsured period; and many procedures (visas, residence permits) require proof of active insurance. In transition periods, temporary health insurance from \u20ac36\/month closes the gap.\"}},\n    {\"@type\": \"Question\", \"name\": \"How much does public health insurance cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"In 2026 the total contribution averages 17.5% of gross salary: a 14.6% general rate plus each Krankenkasse's additional rate (2.9% on average, between 2.18% and 4.39%). Employees pay half and the employer pays the other half. The self-employed pay 100%.\"}},\n    {\"@type\": \"Question\", \"name\": \"What's the difference between public (GKV) and private (PKV) insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The GKV charges a percentage of salary, all Krankenkassen provide the same core benefits, and family members without income are insured for free. The PKV charges a fixed premium by age and health, offers wider cover, and each family member needs their own policy. For employees earning under \u20ac6,450\/month (\u20ac77,400\/year in 2026) the GKV is mandatory.\"}},\n    {\"@type\": \"Question\", \"name\": \"Can I choose any Krankenkasse?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, there is complete freedom to choose among all Krankenkassen in the country (AOK, TK, Barmer, DAK, HKK, BKK and more). Even if the employer offers to handle it, the decision belongs to the insured person.\"}},\n    {\"@type\": \"Question\", \"name\": \"Does my insurance cover my family at no extra cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. The Familienversicherung covers a spouse without their own income (earning up to \u20ac565\/month) and children up to 18 (25 if studying or in an Ausbildung) free of charge. Unmarried partners are not included.\"}},\n    {\"@type\": \"Question\", \"name\": \"I don't have a job in Germany yet. Can I still join the public system?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"EU citizens need the E104 form, issued by the social security office in their home country, proving their recent insurance record. Non-EU citizens are asked for an active visa of at least 12 months; the usual route otherwise is temporary insurance until the visa arrives, then switching to the public system.\"}},\n    {\"@type\": \"Question\", \"name\": \"Can my employer handle the insurance for me?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The employer may offer to, but the final choice belongs to the employee. The default Krankenkasse may not be the best fit: with the 2026 rate differences, choosing well can mean over \u20ac600 in savings per year.\"}},\n    {\"@type\": \"Question\", \"name\": \"I've lost my job. What happens to my Krankenkasse?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Membership and cover continue. With unemployment benefit (ALG I), the Agentur f\u00fcr Arbeit pays the contributions. Without benefit, the Krankenkasse sends a reclassification letter that must not be ignored \u2014 otherwise the highest rate applies and debt accumulates.\"}},\n    {\"@type\": \"Question\", \"name\": \"Can I switch Krankenkasse later?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. After 12 months with the same fund you can switch with 2 months' notice \u2014 or without notice when changing employer or when the Krankenkasse raises its rate.\"}},\n    {\"@type\": \"Question\", \"name\": \"Does the GKV cover the dentist?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It covers basic dental care (check-ups, simple fillings, annual cleanings) and a percentage of dentures. 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We advise you in English, compare the best Krankenkassen for your situation and take care of the entire registration \u2014 no German paperwork for you. Get free advice Compare Krankenkassen Not sure &#8230; <a title=\"Public health insurance in Germany\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/public-health-insurance\/\" aria-label=\"Read more about Public health insurance in Germany\">Read more<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12191","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance in Germany for Expats | GKV Guide 2026<\/title>\n<meta name=\"description\" content=\"Public health insurance (GKV) in Germany, without the bureaucracy. 2026 rates. 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