{"id":12195,"date":"2021-04-22T11:45:52","date_gmt":"2021-04-22T11:45:52","guid":{"rendered":"https:\/\/www.bramex.de\/?page_id=12195"},"modified":"2026-04-10T22:11:46","modified_gmt":"2026-04-10T21:11:46","slug":"private-health-insurance","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/private-health-insurance\/","title":{"rendered":"Private Health Insurance in Germany (PKV): Is It Right for You?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12195\" class=\"elementor elementor-12195\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81d2b2e e-con-full e-flex e-con e-parent\" data-id=\"81d2b2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a53fb7f elementor-widget elementor-widget-html\" data-id=\"a53fb7f\" 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<section class=\"brx-service-hero brx-service-hero--right\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/seguro-privado-en-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\">PRIVATE HEALTH INSURANCE \u00b7 PKV \u00b7 GERMANY<\/span>\n          <h2 class=\"brx-service-hero__title\">Find out if private health insurance in Germany is right for you<\/h2>\n          <p class=\"brx-service-hero__text\">We help you understand whether you can access private insurance, what advantages it has over public coverage, and which option best fits your salary, situation and needs.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a href=\"https:\/\/www.bramex.de\/calculo-seguro-publico-privado\/\" class=\"brx-btn brx-btn--yellow\">Public vs private comparison tool<\/a>\n            <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--white\">Get free advice<\/a>\n            <a href=\"https:\/\/bramexplus.com\" class=\"brx-btn brx-btn--white\" target=\"_blank\" rel=\"noopener\">Bramex Plus \u00b7 Private insurance<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Clear and free guidance<\/strong> \u00b7 We help you compare and decide with confidence<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title\">Thinking about switching to private health insurance in Germany?<\/h2>\n    <p><strong>Privatekrankenversicherung (PKV)<\/strong> is Germany's private health insurance system. It offers significantly better coverage than public insurance, shorter waiting times and a much more personalised level of care. However, not everyone can access it \u2014 and it is not always the best option for every situation.<\/p>\n    <p>At Bramex we help you analyse your specific case, compare real costs and make an informed decision. No pressure, no hidden catches.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">When can you take out private health insurance in Germany?<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\">Access to private insurance depends primarily on your income level. Here is the threshold you need to know:<\/p>\n    <div class=\"brx-pkv-threshold\">\n      <div class=\"brx-pkv-threshold__main\">\n        <div class=\"brx-pkv-threshold__amount\">\u20ac6,450<\/div>\n        <div class=\"brx-pkv-threshold__label\">gross monthly salary<\/div>\n        <div class=\"brx-pkv-threshold__or\">equivalent to<\/div>\n        <div class=\"brx-pkv-threshold__year\">\u20ac77,400 per year<\/div>\n      <\/div>\n      <div class=\"brx-pkv-threshold__info\">\n        <h3 class=\"brx-pkv-threshold__info-title\">What you need to know about this threshold<\/h3>\n        <ul class=\"brx-pkv-threshold__list\">\n          <li>All parts of your salary count \u2014 not just your base pay. Bonuses, variable pay and supplements are included.<\/li>\n          <li>If you have just arrived in Germany and your salary exceeds this threshold, you can take out private insurance from day one.<\/li>\n          <li>If you have been in Germany on public insurance and your salary has now gone above this limit, you can also switch.<\/li>\n          <li>If you got a pay rise mid-year that pushes you over the threshold, your total annual salary for the full year must exceed \u20ac77,400 gross to be able to switch that same year. If not, the change applies on 1 January of the following year.<\/li>\n          <li>Remember that you must give your Krankenkasse <strong>2 months' notice<\/strong> before your intended switch date.<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Private vs public insurance: key differences<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:40px;\">An honest comparison so you can understand what each option actually offers before deciding.<\/p>\n    <div class=\"brx-pkv-compare\">\n      <div class=\"brx-pkv-compare__header\">\n        <div class=\"brx-pkv-compare__col-label\"><\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--pkv\">\n          <span class=\"brx-pkv-compare__badge\">PKV \u00b7 Private<\/span>\n        <\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--gkv\">\n          <span class=\"brx-pkv-compare__badge brx-pkv-compare__badge--gkv\">GKV \u00b7 Public<\/span>\n        <\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Monthly cost<\/div>\n        <div class=\"brx-pkv-compare__col\">Fixed based on age and plan. Can be lower than public for high earners.<\/div>\n        <div class=\"brx-pkv-compare__col\">Percentage of gross salary (~16.2%). Rises as your income rises.<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Waiting times<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Short-notice appointments with specialists<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Longer waiting times<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Doctors and hospitals<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Wider network. Senior consultant treatment in hospital.<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Standard network. Shared room in hospital.<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Dental coverage<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Far better coverage for treatments and implants<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Basic and limited coverage<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Hospital room<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Private single room<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Standard shared room<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Family coverage<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Each family member needs their own policy at additional cost<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 Spouse and children co-insured at no extra cost (if not working)<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">No-claims refund<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 If you submit no claims, you may receive \u20ac200\u2013\u20ac1,000+ per year back<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Not applicable<\/div>\n      <\/div>\n      <div class=\"brx-pkv-compare__row\">\n        <div class=\"brx-pkv-compare__col-label\">Flexibility<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--good\">\u2713 High flexibility: tailor coverage to your situation<\/div>\n        <div class=\"brx-pkv-compare__col brx-pkv-compare__col--neutral\">Standard coverage, the same for everyone<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Private insurance advantages by medical area<\/h2>\n    <div class=\"brx-pkv-areas\">\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83c\udfe5<\/div>\n        <h3 class=\"brx-pkv-area__title\">GP visits<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Short-notice appointments<\/li>\n          <li>Longer and more thorough consultations<\/li>\n          <li>More preventive check-ups covered<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83d\udd2c<\/div>\n        <h3 class=\"brx-pkv-area__title\">Specialists<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Direct access without long waits<\/li>\n          <li>Specialist therapies included<\/li>\n          <li>Good coverage with alternative practitioners<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83e\uddb7<\/div>\n        <h3 class=\"brx-pkv-area__title\">Dental<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Far superior coverage for dental treatments<\/li>\n          <li>Implants and crowns with broad coverage<\/li>\n          <li>Dental cleaning included depending on plan<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-pkv-area\">\n        <div class=\"brx-pkv-area__icon\">\ud83c\udfe8<\/div>\n        <h3 class=\"brx-pkv-area__title\">Hospital<\/h3>\n        <ul class=\"brx-pkv-area__list\">\n          <li>Private single room<\/li>\n          <li>Treated by the senior consultant<\/li>\n          <li>Access to the latest treatment technologies<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-pkv-body\">\n      <div class=\"brx-pkv-body__img\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/04\/seguro-privado-en-alemania.png\" alt=\"Private health insurance in Germany PKV\" loading=\"lazy\">\n      <\/div>\n      <div class=\"brx-pkv-body__content\">\n        <h2 class=\"brx-pkv-body__title\">Insurance tailored to your personal situation<\/h2>\n        <p>Private health insurance in Germany offers a <strong>wide range of plans<\/strong>. You can design a policy that costs less than public insurance, or one that provides much broader coverage \u2014 depending on what you need.<\/p>\n        <p>This flexibility is one of its greatest advantages: private insurance adapts to you, not the other way around. Before you decide anything, we walk you through all the available options so you have the full picture and can choose with confidence.<\/p>\n        <a href=\"https:\/\/www.bramex.de\/calculo-seguro-publico-privado\/\" class=\"brx-btn brx-btn--yellow\" style=\"margin-top:8px;\">View the public vs private comparison tool<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Frequently asked questions about private health insurance<\/h2>\n    <div class=\"brx-gkv-faq\">\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">I just got a pay rise. I now earn more than \u20ac6,450 gross per month. Can I switch to private insurance straight away?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>In principle yes, but your total accumulated salary for the entire year (your previous salary plus the new one) must exceed \u20ac77,400 gross annually. If that is not the case, you will need to wait until the following year and the switch will take effect on 1 January. Also remember that you must give your Krankenkasse <strong>2 months' notice<\/strong> before your intended switch date.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Is private insurance actually cheaper than public?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>It can be, depending on three key factors: your <strong>age<\/strong> when you switch, the <strong>company and plan<\/strong> you choose, and your <strong>current state of health<\/strong>. For high earners, private insurance is often cheaper than public, which is calculated as a percentage of your salary. Use our <a href=\"https:\/\/www.bramex.de\/calculo-seguro-publico-privado\/\">comparison tool<\/a> to see exactly how much you would save in your specific case.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">What specific advantages does private insurance have over public?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>The main ones are: far superior dental coverage, access to more doctors and hospitals with shorter waiting times, hospital treatment in a private room by the senior consultant, and the possibility of covering treatments not available under public insurance \u2014 such as certain fertility treatments. Before you commit, we go through exactly what each plan covers.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Do I get money back if I do not use my insurance and submit no claims?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>It depends on the company and plan you choose. In many cases, if you submit no claims during the year, you receive a refund that can range from <strong>\u20ac200 to \u20ac1,000 or more<\/strong> per year. This is one of the exclusive benefits of private insurance.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">I have private insurance. How can my partner get insured?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Your partner can choose between public or private insurance. If they opt for private, your employer can cover up to 50% of the cost, just as they do for yours. For example, if your insurance costs \u20ac500\/month, your employer pays \u20ac250. If your partner's policy costs \u20ac420, the employer would contribute up to \u20ac203 of that amount. If your partner chooses public insurance, the employer does not contribute to that policy. You can calculate this in our <a href=\"https:\/\/www.bramex.de\/calculo-seguro-publico-privado\/\">comparison tool<\/a>.<\/p>\n        <\/div>\n      <\/details>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Want to see how much your private insurance would cost?<\/h2>\n      <p class=\"brx-mini-cta__text\">Use our public vs private comparison tool to see in seconds how much you would pay and how much you could save based on your salary and situation.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/calculo-seguro-publico-privado\/\" class=\"brx-btn brx-btn--navy\">Go to the comparison tool<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Related services<\/h2>\n    <div class=\"brx-pkv-services\">\n      <div class=\"brx-pkv-service\">\n        <div class=\"brx-pkv-service__icon\">\ud83d\udee1\ufe0f<\/div>\n        <h3 class=\"brx-pkv-service__title\">Already have private insurance and need support?<\/h3>\n        <p class=\"brx-pkv-service__text\">Regardless of where you took out your private insurance, we offer ongoing support and assistance. Free of charge and in your language.<\/p>\n        <a href=\"https:\/\/www.bramex.de\/asistencia-seguro-medico-privado\/\" class=\"brx-btn brx-btn--navy\">Find out more about our support service<\/a>\n      <\/div>\n      <div class=\"brx-pkv-service\">\n        <div class=\"brx-pkv-service__icon\">\ud83c\udfe0<\/div>\n        <h3 class=\"brx-pkv-service__title\">Looking for a flat in Germany?<\/h3>\n        <p class=\"brx-pkv-service__text\">If you work as an engineer, in IT or as a doctor in Munich, Frankfurt or Stuttgart, we can help you find a flat and handle the rental paperwork.<\/p>\n        <a href=\"https:\/\/www.bramex.de\/busqueda-piso-alquiler-alemania\/\" class=\"brx-btn brx-btn--navy\">Find out more about this service<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Ready to make the move to private insurance?<\/h2>\n      <p class=\"brx-mini-cta__text\">Tell us your situation and we will work out the options available to you. We will send you real information and offers based on your case \u2014 no commitment, completely free.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--navy\">Request free information<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n.brx-pkv-threshold{display:grid;grid-template-columns:280px 1fr;gap:40px;align-items:center;margin-top:40px;padding:40px;background:#1c244b;border-radius:24px;}\n.brx-pkv-threshold__main{text-align:center;}\n.brx-pkv-threshold__amount{font-size:52px;font-weight:700;color:#ffb905;line-height:1;}\n.brx-pkv-threshold__label{font-size:15px;color:rgba(255,255,255,0.75);margin-top:6px;}\n.brx-pkv-threshold__or{font-size:13px;color:rgba(255,255,255,0.5);margin:12px 0 6px;}\n.brx-pkv-threshold__year{font-size:24px;font-weight:600;color:#ffffff;}\n.brx-pkv-threshold__info-title{font-size:18px;font-weight:700;color:#ffffff;margin:0 0 16px 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Public vs private comparison tool Get free advice Bramex &#8230; <a title=\"Private Health Insurance in Germany (PKV): Is It Right for You?\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/private-health-insurance\/\" aria-label=\"Read more about Private Health Insurance in Germany (PKV): Is It Right for You?\">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-12195","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Private Health Insurance in Germany (PKV): Is It Right for You?<\/title>\n<meta name=\"description\" content=\"Learn how to secure private health insurance in Germany, find your suitable rate, and discover the benefits of this insurance.\" \/>\n<meta name=\"robots\" content=\"index, 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