{"id":37802,"date":"2026-05-04T09:42:52","date_gmt":"2026-05-04T08:42:52","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=37802"},"modified":"2026-05-04T09:45:18","modified_gmt":"2026-05-04T08:45:18","slug":"health-insurance-freelancers-germany","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/health-insurance-freelancers-germany\/","title":{"rendered":"Health Insurance for Freelancers and Self-Employed in Germany"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n
\n
\n HEALTH INSURANCE \u00b7 FREELANCERS IN GERMANY<\/span>\n

Health insurance for self-employed and freelancers in Germany<\/h2>\n

We help you choose the most suitable health insurance if you work as a freelancer or self-employed person in Germany, comparing public and private options. Free advice in your language.<\/p>\n

\n Request information<\/a>\n Talk to an adviser<\/a>\n <\/div>\n

Free comparison<\/strong> \u00b7 We guide you throughout the entire process<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

\n
\n

What health insurance do you need as a freelancer in Germany?<\/h2>\n

If you are self-employed in Germany, the health insurance that best suits your needs is generally private health insurance (PKV)<\/strong>. Unlike public insurance, with private cover you only pay for the coverage you actually need<\/strong>, which can represent a significant saving.<\/p>\n

For example, if your monthly income is around \u20ac2,500, private insurance can be up to \u20ac250 cheaper per month<\/strong> than public insurance. What is more, the monthly cost of private insurance does not change based on your income<\/strong>: if your earnings increase, your premium does not.<\/p>\n

\n
\ud83d\udca1<\/div>\n

The right choice depends on your personal situation: type of work, state of health and income. At Bramex we analyse your case individually and give you the most suitable recommendation, completely free of charge.<\/p>\n <\/div>\n <\/div>\n<\/section>\n\n

\n
\n

Advantages of private health insurance for freelancers<\/h2>\n

A private health insurance policy offers a broader range of benefits, generally at a lower premium, with the ability to adjust your monthly payment based on your needs.<\/p>\n

\n
\n
\ud83e\ude7a<\/div>\n

High medical coverage<\/h3>\n

Wide coverage of medical services and medications, including recognised alternative treatments.<\/p>\n <\/div>\n

\n
\u23f1\ufe0f<\/div>\n

Fast access to specialists<\/h3>\n

Priority access to GPs and specialists within a few days, with no long waiting lists.<\/p>\n <\/div>\n

\n
\ud83d\udcb6<\/div>\n

Cost independent of your income<\/h3>\n

Your monthly premium does not increase if your earnings grow. You pay only for what you actually need.<\/p>\n <\/div>\n

\n
\ud83c\udfe5<\/div>\n

Income protection during illness<\/h3>\n

Daily sickness benefit from day 43 of sick leave to compensate for loss of income during a prolonged period off work.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

\n
\n

Detailed coverage of the freelancer health insurance<\/h2>\n
\n\n
\n
\n \"GPs\n <\/div>\n
\n

GPs and specialists<\/h3>\n