{"id":27119,"date":"2023-05-15T08:00:58","date_gmt":"2023-05-15T07:00:58","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=27119"},"modified":"2026-05-18T07:59:26","modified_gmt":"2026-05-18T06:59:26","slug":"find-health-insurance-in-germany","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/find-health-insurance-in-germany\/","title":{"rendered":"Find the Right Health Insurance in Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"27119\" class=\"elementor elementor-27119 elementor-26081\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-759aa7b e-con-full e-flex e-con e-parent\" data-id=\"759aa7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5e1b38 elementor-widget elementor-widget-html\" data-id=\"b5e1b38\" 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<style>\n\n  \/* Base *\/\n  .brx-wrap, .brx-wrap *,\n  .brx-wrap *::before, .brx-wrap *::after {\n    box-sizing: border-box;\n    font-family: 'Poppins', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;\n  }\n  .brx-wrap { color: #595757; 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margin: 0 auto; padding: 0 20px; }\n  .brx-section { padding: 70px 0; }\n  .brx-bg-soft { background: #f7f8fb; }\n  .brx-section-title {\n    color: #1c244b;\n    font-size: 2rem;\n    font-weight: 700;\n    line-height: 1.25;\n    margin: 0 0 18px;\n  }\n  .brx-section-title--center { text-align: center; }\n  .brx-section-text { font-size: 1.05rem; margin: 0 0 22px; }\n  .brx-section-text--center { text-align: center; max-width: 780px; margin: 0 auto 36px; }\n\n  \/* Note box *\/\n  .brx-pkv-note {\n    background: #fff;\n    border-left: 5px solid #1c244b;\n    padding: 22px 26px;\n    border-radius: 8px;\n    margin: 30px 0 0;\n    box-shadow: 0 2px 12px rgba(28,36,75,.06);\n    font-size: .98rem;\n  }\n  .brx-pkv-note strong { color: #1c244b; }\n  .brx-pkv-note--yellow { border-left-color: #ffb905; }\n\n  \/* Cross-link (banner Bramexplus) *\/\n  .brx-cross-link {\n    display: grid;\n    grid-template-columns: auto 1fr auto;\n    gap: 24px;\n    align-items: center;\n    background: #fff;\n    border: 1px solid #e5e7ed;\n    border-left: 5px solid #1c244b;\n    border-radius: 8px;\n    padding: 20px 26px;\n    margin-top: 18px;\n    box-shadow: 0 2px 12px rgba(28,36,75,.06);\n  }\n  .brx-cross-link__logo img {\n    max-height: 38px;\n    width: auto;\n    display: block;\n  }\n  .brx-cross-link__body p {\n    margin: 0;\n    font-size: .95rem;\n    line-height: 1.55;\n  }\n  .brx-cross-link__body strong { color: #1c244b; }\n  .brx-cross-link__cta .brx-btn {\n    padding: 10px 20px;\n    font-size: .9rem;\n    white-space: nowrap;\n  }\n\n  \/* Tabla comparativa (vive en widget 2; CSS aqu\u00ed para que la herede) *\/\n  .brx-pkv-compare {\n    width: 100%;\n    border-collapse: separate;\n    border-spacing: 0;\n    border-radius: 12px;\n    overflow: hidden;\n    box-shadow: 0 4px 18px rgba(28,36,75,.08);\n    background: #fff;\n    margin: 26px 0 16px;\n  }\n  .brx-pkv-compare thead th {\n    background: #1c244b;\n    color: #fff;\n    padding: 16px 14px;\n    font-size: .92rem;\n    font-weight: 600;\n    text-align: left;\n    letter-spacing: .3px;\n  }\n  .brx-pkv-compare tbody td {\n    padding: 16px 14px;\n    border-bottom: 1px solid #eef0f4;\n    font-size: .94rem;\n    vertical-align: top;\n  }\n  .brx-pkv-compare tbody tr:last-child td { border-bottom: none; }\n  .brx-pkv-compare tbody tr:nth-child(even) td { background: #fafbfd; }\n  .brx-pkv-compare__badge {\n    display: inline-block;\n    background: #ffb905;\n    color: #1c244b !important;\n    padding: 6px 12px;\n    border-radius: 50px;\n    font-size: .8rem;\n    font-weight: 600;\n    text-decoration: none !important;\n    white-space: nowrap;\n  }\n  .brx-pkv-compare__badge:hover { background: #1c244b; color: #fff !important; }\n  .brx-table-note {\n    font-size: .85rem;\n    color: #888;\n    margin: 14px 0 0;\n    font-style: italic;\n  }\n\n  \/* Responsive *\/\n  @media (max-width: 760px) {\n    .brx-section { padding: 50px 0; }\n    .brx-section-title { font-size: 1.6rem; }\n\n    .brx-cross-link {\n      grid-template-columns: 1fr;\n      text-align: center;\n      gap: 14px;\n      padding: 22px 20px;\n    }\n    .brx-cross-link__logo { display: flex; justify-content: center; }\n    .brx-cross-link__cta .brx-btn { width: 100%; }\n\n    \/* Tabla \u2192 cards en m\u00f3vil *\/\n    .brx-pkv-compare thead { display: none; }\n    .brx-pkv-compare tbody, .brx-pkv-compare tbody tr,\n    .brx-pkv-compare tbody td { display: block; width: 100%; }\n    .brx-pkv-compare tbody tr {\n      margin-bottom: 16px;\n      border-radius: 10px;\n      overflow: hidden;\n      box-shadow: 0 2px 8px rgba(28,36,75,.08);\n      background: #fff;\n    }\n    .brx-pkv-compare tbody tr:nth-child(even) td { background: #fff; }\n    .brx-pkv-compare tbody td {\n      padding: 10px 16px;\n      border-bottom: 1px solid #f0f1f5;\n    }\n    .brx-pkv-compare tbody td::before {\n      content: attr(data-label);\n      display: block;\n      font-size: .72rem;\n      color: #1c244b;\n      font-weight: 700;\n      text-transform: uppercase;\n      margin-bottom: 4px;\n      letter-spacing: .5px;\n    }\n    .brx-pkv-compare tbody td:first-child { background: #1c244b; color: #fff; padding: 14px 16px; }\n    .brx-pkv-compare tbody td:first-child::before { color: rgba(255,255,255,.6); }\n  }\n\n  @media (max-width: 560px) {\n    .brx-hero-actions { flex-direction: column; }\n    .brx-hero-actions .brx-btn { width: 100%; }\n  }\n<\/style>\n\n<div class=\"brx-wrap\">\n\n  <!-- ============ HERO (versi\u00f3n Eva, centrado) ============ -->\n  <section style=\"padding:56px 0 48px; background:linear-gradient(135deg,#1c244b 0%,#2d3a6b 100%);\">\n    <div class=\"brx-container\">\n      <div style=\"text-align:center; max-width:720px; margin:0 auto;\">\n        <span style=\"display:inline-block; margin-bottom:16px; padding:8px 16px; border-radius:999px; background:rgba(255,185,5,0.18); color:#ffb905; font-size:13px; font-weight:600; letter-spacing:0.5px;\">HEALTH INSURANCE FINDER \u00b7 GERMANY<\/span>\n        <h1 style=\"font-size:34px; font-weight:700; color:#ffffff; margin:0 0 14px 0; line-height:1.18;\">Which health insurance to choose in Germany based on your situation<\/h1>\n        <p style=\"font-size:17px; line-height:1.7; color:rgba(255,255,255,0.82); margin:0 0 24px 0;\">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.<\/p>\n        <div class=\"brx-hero-actions\">\n          <a href=\"#insurance-finder\" class=\"brx-btn brx-btn--yellow\">Start the finder \u2192<\/a>\n          <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--white\">Request free advice<\/a>\n        <\/div>\n        <p style=\"font-size:13px; color:rgba(255,255,255,0.55); margin-top:14px;\">Free advice \u00b7 We explain everything in English and with no commitment<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ============ INTRO + NOTA + BRAMEXPLUS ============ -->\n  <section class=\"brx-section\">\n    <div class=\"brx-container\">\n      <h2 class=\"brx-section-title\">Which health insurance applies to you in Germany?<\/h2>\n      <p class=\"brx-section-text\">In Germany, health insurance is <strong>mandatory by law<\/strong>. The question is not <em>whether<\/em> to take it out, but <strong>which one applies to you<\/strong> \u2014 and that depends on four variables: whether you already live in the country, whether you have an employment contract, your gross annual salary, and your type of activity. This guide helps you identify your option before signing up, without wasting time on generic explanations of the system.<\/p>\n\n      <div class=\"brx-pkv-note brx-pkv-note--yellow\">\n        <strong>2027 update:<\/strong> on 29 April 2026 the German Federal Cabinet approved an extraordinary increase to the thresholds. From January 2027 the limit to access private insurance will rise to around <strong>\u20ac7,067\/month (\u20ac84,800\/year)<\/strong>. If you are near the current limit of <strong>\u20ac6,450\/month<\/strong> and considering PKV, this year is the moment to evaluate it.\n      <\/div>\n\n      <div class=\"brx-cross-link\">\n        <div class=\"brx-cross-link__logo\">\n          <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2026\/05\/Captura-de-pantalla-2026-05-01-a-las-12.23.53.png\" alt=\"Bramexplus\" loading=\"lazy\" \/>\n        <\/div>\n        <div class=\"brx-cross-link__body\">\n          <p><strong>High salary, Blue Card or self-employed with high income?<\/strong> Discover Bramexplus, our specialised brand for premium private insurance for qualified profiles.<\/p>\n        <\/div>\n        <div class=\"brx-cross-link__cta\">\n          <a href=\"https:\/\/www.bramexplus.com\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--navy\">Go to Bramexplus \u2192<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ============ ANCLA BUSCADOR ============ -->\n  <div id=\"insurance-finder\" class=\"brx-hero-anchor\"><\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-827a653 elementor-widget elementor-widget-menu-anchor\" data-id=\"827a653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"insurance-finder\"><\/div>\n\t\t\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-7ae82cb e-con-full e-flex e-con e-parent\" data-id=\"7ae82cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9bb5dd elementor-widget elementor-widget-html\" data-id=\"b9bb5dd\" 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<style>\n.bsq-wrap{max-width:640px;margin:0 auto;font-family:\"Poppins\",sans-serif;}\n.bsq-step{display:none;}\n.bsq-step.activo{display:block;}\n.bsq-titulo{font-size:22px;font-weight:700;color:#1c244b;margin:0 0 8px 0;line-height:1.3;}\n.bsq-sub{font-size:15px;color:#686766;margin:0 0 24px 0;}\n.bsq-btn{display:flex;align-items:center;gap:14px;width:100%;padding:16px 20px;background:#ffffff;border:2px solid #e0e4f0;border-radius:14px;cursor:pointer;font-size:16px;font-weight:500;color:#1c244b;margin-bottom:12px;text-align:left;font-family:\"Poppins\",sans-serif;transition:border-color 0.2s;}\n.bsq-btn:hover{border-color:#ffb905;}\n.bsq-btn span{font-size:22px;min-width:32px;}\n.bsq-back{background:none;border:none;color:#686766;font-size:14px;cursor:pointer;margin-bottom:20px;padding:0;font-family:\"Poppins\",sans-serif;}\n.bsq-back:hover{color:#1c244b;}\n.bsq-res{background:#ffffff;border-radius:20px;border:2px solid #ffb905;padding:32px;box-shadow:0 8px 32px rgba(255,185,5,0.12);}\n.bsq-res__tag{display:inline-block;margin-bottom:14px;padding:6px 14px;border-radius:999px;background:#ffb905;color:#1c244b;font-size:12px;font-weight:700;}\n.bsq-res__titulo{font-size:22px;font-weight:700;color:#1c244b;margin:0 0 12px 0;}\n.bsq-res__texto{font-size:15px;line-height:1.7;color:#595757;margin:0 0 22px 0;}\n.bsq-res__btns{display:flex;flex-wrap:wrap;gap:12px;}\n.bsq-res--dual .bsq-res__tag{background:#1c244b;color:#ffffff;}\n.bsq-dual{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:20px;}\n.bsq-dual__card{background:#f7f8fb;border-radius:14px;padding:18px;}\n.bsq-dual__title{font-size:15px;font-weight:700;color:#1c244b;margin:0 0 8px 0;}\n.bsq-dual__text{font-size:13px;line-height:1.6;color:#595757;margin:0 0 12px 0;}\n.bsq-reiniciar{background:none;border:none;color:#686766;font-size:13px;cursor:pointer;margin-top:18px;padding:0;font-family:\"Poppins\",sans-serif;display:block;}\n.bsq-reiniciar:hover{color:#1c244b;}\n@media(max-width:600px){.bsq-dual{grid-template-columns:1fr;}}\n<\/style>\n\n<div class=\"bsq-wrap\">\n\n  <div id=\"bsq-s1\" class=\"bsq-step activo\">\n    <h3 class=\"bsq-titulo\">Do you currently live in Germany?<\/h3>\n    <p class=\"bsq-sub\">This helps us understand your starting situation.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s2')\"><span>\u2705<\/span> Yes, I live in Germany<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s5')\"><span>\u2708\ufe0f<\/span> No, I'm not in Germany yet<\/button>\n  <\/div>\n\n  <div id=\"bsq-s2\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s1')\">\u2190 Back<\/button>\n    <h3 class=\"bsq-titulo\">Are you going to start working soon?<\/h3>\n    <p class=\"bsq-sub\">Let us know whether you have a job lined up or not.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s3')\"><span>\ud83d\udcbc<\/span> Yes, I'm going to start working<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s5')\"><span>\ud83d\udd0d<\/span> No, I don't have a job yet<\/button>\n  <\/div>\n\n  <div id=\"bsq-s3\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s2')\">\u2190 Back<\/button>\n    <h3 class=\"bsq-titulo\">What kind of work is it?<\/h3>\n    <p class=\"bsq-sub\">The type of contract determines which insurance applies to you.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r1')\"><span>\ud83e\ude99<\/span> A minijob (up to \u20ac603 gross\/month)<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s4')\"><span>\ud83c\udfe2<\/span> Work as an employee (employment contract)<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r4')\"><span>\ud83d\udcbb<\/span> Work as self-employed or freelancer<\/button>\n  <\/div>\n\n  <div id=\"bsq-s4\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s3')\">\u2190 Back<\/button>\n    <h3 class=\"bsq-titulo\">What is your monthly gross salary?<\/h3>\n    <p class=\"bsq-sub\">The \u20ac6,450 gross\/month threshold determines whether you can access private insurance.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r2')\"><span>\ud83d\udcb6<\/span> Less than \u20ac6,450 gross per month<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r3')\"><span>\ud83d\udcb0<\/span> More than \u20ac6,450 gross per month<\/button>\n  <\/div>\n\n  <div id=\"bsq-s5\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s1')\">\u2190 Back<\/button>\n    <h3 class=\"bsq-titulo\">What are you going to do in Germany?<\/h3>\n    <p class=\"bsq-sub\">Select the option that best describes your situation.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r1')\"><span>\ud83d\udde3\ufe0f<\/span> Study German and\/or look for work<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r5')\"><span>\ud83c\udf93<\/span> Study at university<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r6')\"><span>\ud83d\udc4b<\/span> Visit someone temporarily<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s3')\"><span>\ud83d\udcc4<\/span> I have a job offer<\/button>\n  <\/div>\n\n  <div id=\"bsq-r1\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 Back<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Recommended insurance<\/span>\n      <h3 class=\"bsq-res__titulo\">Temporary health insurance<\/h3>\n      <p class=\"bsq-res__texto\">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 \u20ac36\/month. It is valid for visa applications and you can keep it for up to 5 years.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-german-students-germany\/\" class=\"brx-btn brx-btn--navy\">See more information<\/a>\n        <a href=\"https:\/\/www.bramex.de\/en\/temporary-health-insurance-rates-germany\/\" class=\"brx-btn brx-btn--yellow\">See rates and coverage<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba Start again<\/button>\n    <\/div>\n  <\/div>\n\n  <div id=\"bsq-r2\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 Back<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Recommended insurance<\/span>\n      <h3 class=\"bsq-res__titulo\">Public health insurance (GKV)<\/h3>\n      <p class=\"bsq-res__texto\">With your salary as an employee, what applies to you is a public health insurance (Krankenkasse). Your employer contributes half of the cost. At Bramex we help you choose the best Krankenkasse and handle the whole process for free.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance\/\" class=\"brx-btn brx-btn--navy\">More information about public insurance<\/a>\n        <a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\" class=\"brx-btn brx-btn--yellow\">Krankenkassen comparison<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba Start again<\/button>\n    <\/div>\n  <\/div>\n\n  <div id=\"bsq-r3\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 Back<\/button>\n    <div class=\"bsq-res bsq-res--dual\">\n      <span class=\"bsq-res__tag\">Two options available<\/span>\n      <h3 class=\"bsq-res__titulo\">Public insurance (GKV) or private insurance (PKV)<\/h3>\n      <p class=\"bsq-res__texto\">With a salary above \u20ac6,450 gross per month you have access to both public and private insurance. Each option has different advantages. We recommend comparing before deciding.<\/p>\n      <div class=\"bsq-dual\">\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Public insurance (GKV)<\/h4>\n          <p class=\"bsq-dual__text\">Standard coverage from the German public system. Your employer contributes half.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">See more<\/a>\n        <\/div>\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Private insurance (PKV)<\/h4>\n          <p class=\"bsq-dual__text\">Wider coverage, shorter waiting times, private room.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/en\/private-health-insurance\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">See more<\/a>\n        <\/div>\n      <\/div>\n      <a href=\"https:\/\/www.bramex.de\/en\/public-vs-private-health-insurance-germany\/\" class=\"brx-btn brx-btn--yellow\">Public vs private comparison<\/a>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba Start again<\/button>\n    <\/div>\n  <\/div>\n\n  <div id=\"bsq-r4\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 Back<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Recommended insurance<\/span>\n      <h3 class=\"bsq-res__titulo\">Health insurance for self-employed and freelancers<\/h3>\n      <p class=\"bsq-res__texto\">As a self-employed person or freelancer 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.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-freelancers-germany\/\" class=\"brx-btn brx-btn--navy\">Freelancer insurance<\/a>\n        <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--yellow\">Request advice<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba Start again<\/button>\n    <\/div>\n  <\/div>\n\n  <div id=\"bsq-r5\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 Back<\/button>\n    <div class=\"bsq-res bsq-res--dual\">\n      <span class=\"bsq-res__tag\">Two options available<\/span>\n      <h3 class=\"bsq-res__titulo\">University insurance or temporary insurance<\/h3>\n      <p class=\"bsq-res__texto\">If you are going to study at a German university you have two options depending on your situation:<\/p>\n      <div class=\"bsq-dual\">\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">University student insurance<\/h4>\n          <p class=\"bsq-dual__text\">For non-EU students enrolled at a German university.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">See more<\/a>\n        <\/div>\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Temporary insurance<\/h4>\n          <p class=\"bsq-dual__text\">A valid alternative while you define your situation or if you do not meet the requirements for university insurance.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-german-students-germany\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">See more<\/a>\n        <\/div>\n      <\/div>\n      <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--yellow\">Questions? Talk to an advisor<\/a>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba Start again<\/button>\n    <\/div>\n  <\/div>\n\n  <div id=\"bsq-r6\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 Back<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Recommended insurance<\/span>\n      <h3 class=\"bsq-res__titulo\">Visitor insurance and\/or visa application<\/h3>\n      <p class=\"bsq-res__texto\">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.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/en\/visitor-health-insurance-germany\/\" class=\"brx-btn brx-btn--navy\">More information<\/a>\n        <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--yellow\">Request information<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba Start again<\/button>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<script>\nvar bsqAnterior = \"bsq-s1\";\n\nfunction bsqIr(id) {\n  var actual = document.querySelector(\".bsq-step.activo\");\n  if (actual) {\n    bsqAnterior = actual.id;\n    actual.classList.remove(\"activo\");\n  }\n  var siguiente = document.getElementById(id);\n  if (siguiente) {\n    siguiente.classList.add(\"activo\");\n    siguiente.scrollIntoView({behavior:\"smooth\", block:\"start\"});\n  }\n}\n\nfunction bsqVolver() {\n  bsqIr(bsqAnterior);\n}\n\nfunction bsqReiniciar() {\n  var todos = document.querySelectorAll(\".bsq-step\");\n  for (var i = 0; i < todos.length; i++) {\n    todos[i].classList.remove(\"activo\");\n  }\n  document.getElementById(\"bsq-s1\").classList.add(\"activo\");\n  bsqAnterior = \"bsq-s1\";\n  document.querySelector(\".bsq-wrap\").scrollIntoView({behavior:\"smooth\", block:\"start\"});\n}\n<\/script>\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-815e42b e-con-full e-flex e-con e-parent\" data-id=\"815e42b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-641a205 elementor-widget elementor-widget-html\" data-id=\"641a205\" 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<style>\n  \/* === Perfiles (cards) \u2014 a\u00f1ade al sistema brx-* === *\/\n  .brx-pkv-profiles {\n    display: grid;\n    grid-template-columns: repeat(2, 1fr);\n    gap: 22px;\n    margin-top: 30px;\n  }\n  .brx-pkv-profiles__card {\n    background: #fff;\n    border: 1px solid #eef0f4;\n    border-left: 4px solid #ffb905;\n    border-radius: 10px;\n    padding: 26px;\n    box-shadow: 0 2px 12px rgba(28,36,75,.06);\n    display: flex;\n    flex-direction: column;\n    transition: transform .2s ease, box-shadow .2s ease;\n  }\n  .brx-pkv-profiles__card:hover {\n    transform: translateY(-3px);\n    box-shadow: 0 8px 22px rgba(28,36,75,.10);\n  }\n  .brx-pkv-profiles__title {\n    color: #1c244b;\n    font-size: 1.15rem;\n    font-weight: 700;\n    margin: 0 0 12px;\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    line-height: 1.3;\n  }\n  .brx-pkv-profiles__emoji {\n    font-size: 1.5rem;\n    line-height: 1;\n  }\n  .brx-pkv-profiles__text {\n    font-size: .95rem;\n    margin: 0 0 16px;\n    flex-grow: 1;\n    color: #595757;\n  }\n  .brx-pkv-profiles__rec {\n    background: #f7f8fb;\n    border-radius: 6px;\n    padding: 12px 14px;\n    font-size: .9rem;\n    margin-bottom: 14px;\n    line-height: 1.5;\n  }\n  .brx-pkv-profiles__rec strong { color: #1c244b; }\n  .brx-pkv-profiles__link {\n    color: #1c244b !important;\n    font-weight: 600;\n    font-size: .92rem;\n    text-decoration: none !important;\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    margin-top: auto;\n  }\n  .brx-pkv-profiles__link:hover { color: #ffb905 !important; }\n  .brx-pkv-profiles__link::after { content: \"\u2192\"; transition: transform .2s ease; }\n  .brx-pkv-profiles__link:hover::after { transform: translateX(4px); }\n\n  @media (max-width: 760px) {\n    .brx-pkv-profiles { grid-template-columns: 1fr; gap: 16px; }\n    .brx-pkv-profiles__card { padding: 22px; }\n  }\n<\/style>\n\n<div class=\"brx-wrap\">\n\n  <!-- ============ TABLA COMPARATIVA ============ -->\n  <section class=\"brx-section brx-bg-soft\">\n    <div class=\"brx-container\">\n      <h2 class=\"brx-section-title brx-section-title--center\">The 4 health insurance options in Germany<\/h2>\n      <p class=\"brx-section-text brx-section-text--center\">Before getting into profiles, a comparative overview to orient you. Each row is one of the four possible paths.<\/p>\n\n      <table class=\"brx-pkv-compare\">\n        <thead>\n          <tr>\n            <th>Option<\/th>\n            <th>For whom<\/th>\n            <th>Indicative cost (2026)<\/th>\n            <th>Requirements<\/th>\n            <th>More info<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td data-label=\"Option\"><strong>Public insurance (GKV)<\/strong><\/td>\n            <td data-label=\"For whom\">Employees with a contract and gross salary below <strong>\u20ac77,400\/year<\/strong>. The employer pays half.<\/td>\n            <td data-label=\"Indicative cost (2026)\">~17.5% of gross salary (14.6% base + ~2.9% average Zusatzbeitrag). Salary cap of \u20ac5,812.50\/month.<\/td>\n            <td data-label=\"Requirements\">Employment contract, Anmeldung, Steuer-ID.<\/td>\n            <td data-label=\"More info\"><a href=\"https:\/\/www.bramex.de\/en\/public-health-insurance\/\" class=\"brx-pkv-compare__badge\">See GKV<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td data-label=\"Option\"><strong>Private insurance (PKV)<\/strong><\/td>\n            <td data-label=\"For whom\">Employees with salary <strong>&gt; \u20ac77,400\/year<\/strong>, self-employed, freelancers and civil servants.<\/td>\n            <td data-label=\"Indicative cost (2026)\">Varies by age, health and coverage. Maximum employer contribution: <strong>\u20ac508.59\/month<\/strong>.<\/td>\n            <td data-label=\"Requirements\">Above the threshold or self-employed \/ civil servant. Health questionnaire.<\/td>\n            <td data-label=\"More info\"><a href=\"https:\/\/www.bramex.de\/en\/private-health-insurance\/\" class=\"brx-pkv-compare__badge\">See PKV<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td data-label=\"Option\"><strong>Temporary insurance<\/strong><\/td>\n            <td data-label=\"For whom\">Newcomers without a contract, German language students, job seekers, self-employed people starting out, and visa applications.<\/td>\n            <td data-label=\"Indicative cost (2026)\"><strong>From \u20ac36\/month<\/strong> (under 35, first year); <strong>\u20ac75\/month<\/strong> (over 35 or self-employed).<\/td>\n            <td data-label=\"Requirements\">Passport and basic details. No Anmeldung required to sign up.<\/td>\n            <td data-label=\"More info\"><a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-german-students-germany\/\" class=\"brx-pkv-compare__badge\">See temporary<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td data-label=\"Option\"><strong>University insurance<\/strong><\/td>\n            <td data-label=\"For whom\">Students enrolled at a German university, normally under 30.<\/td>\n            <td data-label=\"Indicative cost (2026)\">Reduced GKV rate for students. Over 30 and PhD candidates: private.<\/td>\n            <td data-label=\"Requirements\">University enrolment.<\/td>\n            <td data-label=\"More info\"><a href=\"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/\" class=\"brx-pkv-compare__badge\">See students<\/a><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <p class=\"brx-table-note\">2026 figures. Indicative costs subject to individual conditions (age, health, type of coverage).<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ============ PERFILES ============ -->\n  <section class=\"brx-section\">\n    <div class=\"brx-container\">\n      <h2 class=\"brx-section-title brx-section-title--center\">Which health insurance applies to you based on your profile?<\/h2>\n      <p class=\"brx-section-text brx-section-text--center\">The six most common profiles among foreigners arriving in or living in Germany. Identify yours and go straight to the service that fits you.<\/p>\n\n      <div class=\"brx-pkv-profiles\">\n\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udc54<\/span> Employee with an employment contract<\/h3>\n          <p class=\"brx-pkv-profiles__text\">If you have a contract as an <em>Angestellte\/r<\/em>, your situation depends on your salary. The employer pays half of the contribution in both cases.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Salary &lt; \u20ac77,400\/year:<\/strong> mandatory GKV.<br><strong>Salary &gt; \u20ac77,400\/year:<\/strong> choose between voluntary GKV or PKV.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\" class=\"brx-pkv-profiles__link\">Compare Krankenkassen<\/a>\n        <\/article>\n\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udcbb<\/span> Self-employed or freelancer<\/h3>\n          <p class=\"brx-pkv-profiles__text\">As a <em>Selbstst\u00e4ndige\/r<\/em> you do not have automatic access to mandatory GKV. You can choose between voluntary GKV, PKV, or temporary insurance while starting your business.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Applies to you:<\/strong> voluntary GKV or PKV (depending on age, expected income and health). If you just arrived and are not invoicing yet, start with temporary.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-freelancers-germany\/\" class=\"brx-pkv-profiles__link\">Freelancer insurance<\/a>\n        <\/article>\n\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udeec<\/span> Newcomer without a contract<\/h3>\n          <p class=\"brx-pkv-profiles__text\">If you just landed and still do not have a signed contract, you will not be able to register with a public Krankenkasse. Temporary insurance covers the transition period.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Applies to you:<\/strong> temporary health insurance from <strong>\u20ac36\/month<\/strong>. Valid for visa and renewable for up to 5 years.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-german-students-germany\/\" class=\"brx-pkv-profiles__link\">See temporary insurance<\/a>\n        <\/article>\n\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83c\udf93<\/span> University student<\/h3>\n          <p class=\"brx-pkv-profiles__text\">If you are coming to study at a German university, you can normally access the reduced GKV student rate up to age 30. Above that age or as a PhD candidate, you need private insurance.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Applies to you:<\/strong> GKV student insurance (under 30) or private student \/ PhD insurance.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/\" class=\"brx-pkv-profiles__link\">See student insurance<\/a>\n        <\/article>\n\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udfe6<\/span> Professional with a Blue Card<\/h3>\n          <p class=\"brx-pkv-profiles__text\">If you come with a Blue Card (minimum salary \u20ac50,700\/year in 2026, or \u20ac45,934.20 in shortage occupations), you normally enter mandatory GKV. Only if you exceed \u20ac77,400\/year can you consider PKV.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Applies to you:<\/strong> mandatory GKV. If you exceed \u20ac77,400\/year: compare GKV vs PKV. While processing your visa: temporary.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/tarjeta-azul-blue-card-alemania\/\" class=\"brx-pkv-profiles__link\">Full Blue Card guide<\/a>\n        <\/article>\n\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\u2708\ufe0f<\/span> Visit or visa application<\/h3>\n          <p class=\"brx-pkv-profiles__text\">If you are coming on a visit, for a short stay or need insurance to process a Schengen visa, you do not need (nor can you sign up for) a structural German insurance.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Applies to you:<\/strong> visitor \/ Schengen visa insurance. Meets the requirements of the German embassy.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/en\/visitor-health-insurance-germany\/\" class=\"brx-pkv-profiles__link\">Visitor insurance<\/a>\n        <\/article>\n\n      <\/div>\n    <\/div>\n  <\/section>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>HEALTH INSURANCE FINDER \u00b7 GERMANY Which health insurance to choose in Germany based on your situation 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. Start the finder \u2192 Request free advice Free advice \u00b7 We &#8230; <a title=\"Find the Right Health Insurance in Germany\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/find-health-insurance-in-germany\/\" aria-label=\"Read more about Find the Right 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-27119","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Which Health Insurance Do I Need in Germany? | Bramex<\/title>\n<meta name=\"description\" content=\"Answer a few questions and find out which health insurance suits your situation in Germany. 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