{"id":37924,"date":"2026-05-04T13:53:15","date_gmt":"2026-05-04T12:53:15","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=37924"},"modified":"2026-09-22T13:21:57","modified_gmt":"2026-09-22T12:21:57","slug":"public-private-insurance-calculation","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/","title":{"rendered":"Public vs Private Health Insurance in Germany \u2014 Which Suits You?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"37924\" class=\"elementor elementor-37924 elementor-26114\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-add95b7 e-con-full e-flex e-con e-parent\" data-id=\"add95b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46b24c7 elementor-widget elementor-widget-html\" data-id=\"46b24c7\" 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\/2023\/05\/seguro-privado-calculo.png');\">\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 VS PRIVATE HEALTH INSURANCE \u00b7 GERMANY<\/span>\n          <h1 class=\"brx-service-hero__title\">Find out whether public or private health insurance is better for you in Germany<\/h1>\n          <p class=\"brx-service-hero__text\">We look at your personal situation and help you decide which option suits you best. A clear comparison, no strings attached, with advice in your language.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a href=\"https:\/\/bramexplus.com\/en\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\">See the full comparison tool on Bramex Plus<\/a>\n            <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--white\">Request advice<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Free guidance<\/strong> \u00b7 We help you choose the best option for your profile<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-cpp-bramexplus\">\n      <div class=\"brx-cpp-bramexplus__content\">\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=\"Bramex Plus\" class=\"brx-cpp-bramexplus__logo\">\n        <h2 class=\"brx-cpp-bramexplus__title\">Looking for real private health insurance rates in Germany?<\/h2>\n        <p class=\"brx-cpp-bramexplus__text\">On <strong>Bramex Plus<\/strong> you will find a complete private insurance comparison tool with up-to-date rates, detailed coverage and specialised advice. It is our platform dedicated specifically to private health insurance (PKV) in Germany.<\/p>\n        <div class=\"brx-cpp-bramexplus__features\">\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Real rates from the leading private insurers<\/div>\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Complete, up-to-date comparison tool<\/div>\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Personal advice in English<\/div>\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Detailed coverage by profile and age<\/div>\n        <\/div>\n        <a href=\"https:\/\/bramexplus.com\/en\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\" style=\"margin-top:8px; display:inline-block;\">Go to Bramex Plus \u2192<\/a>\n      <\/div>\n      <div class=\"brx-cpp-bramexplus__badge\">\n        <div class=\"brx-cpp-bramexplus__badge-inner\">\n          <div class=\"brx-cpp-bramexplus__badge-icon\">\ud83d\udd0d<\/div>\n          <p>For an exact analysis of your case, <strong>Bramex Plus<\/strong> is the most complete tool we have.<\/p>\n          <p class=\"brx-cpp-bramexplus__badge-note\">The calculator on this page gives <strong>indicative<\/strong> figures. On Bramex Plus you will find the real data.<\/p>\n        <\/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\">Indicative comparison: public vs private insurance<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:12px;\">Enter your details to see an estimate of the approximate cost of each option.<\/p>\n    <div class=\"brx-cpp-disclaimer-top\">\n      \u26a0\ufe0f The figures below are <strong>indicative<\/strong>. For exact private insurance rates, visit <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/\" target=\"_blank\" rel=\"noopener\">Bramex Plus<\/a>.\n    <\/div>\n\n    <div class=\"brx-cpp-calc\">\n      <div class=\"brx-cpp-calc__form\">\n        <div class=\"brx-cpp-calc__field\">\n          <label class=\"brx-cpp-calc__label\">Are you currently working?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_trabajando\" value=\"si\" onclick=\"cppUpdate()\"> Yes<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_trabajando\" value=\"no\" onclick=\"cppUpdate()\"> No<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_laboral\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">What is your employment status?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_laboral\" value=\"empleado\" onclick=\"cppUpdate()\"> Employee<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_laboral\" value=\"freelancer\" onclick=\"cppUpdate()\"> Freelancer \/ Self-employed<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_sueldo\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">What is your gross monthly salary?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_sueldo\" value=\"bajo\" onclick=\"cppUpdate()\"> Less than \u20ac6,450<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_sueldo\" value=\"alto\" onclick=\"cppUpdate()\"> \u20ac6,450 or more<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_ingresos\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">What is your approximate monthly income?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_ingresos\" value=\"bajo\" onclick=\"cppUpdate()\"> Less than \u20ac2,500<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_ingresos\" value=\"medio\" onclick=\"cppUpdate()\"> Between \u20ac2,500 and \u20ac5,800<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_ingresos\" value=\"alto\" onclick=\"cppUpdate()\"> More than \u20ac5,800<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_edad\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">How old are you?<\/label>\n          <select class=\"brx-cpp-calc__select\" id=\"cpp_edad\" onchange=\"cppUpdate()\">\n            <option value=\"\">Select your age<\/option>\n            <option value=\"25\">25 years<\/option>\n            <option value=\"26\">26 years<\/option>\n            <option value=\"27\">27 years<\/option>\n            <option value=\"28\">28 years<\/option>\n            <option value=\"29\">29 years<\/option>\n            <option value=\"30\">30 years<\/option>\n            <option value=\"31\">31 years<\/option>\n            <option value=\"32\">32 years<\/option>\n            <option value=\"33\">33 years<\/option>\n            <option value=\"34\">34 years<\/option>\n            <option value=\"35\">35 years<\/option>\n            <option value=\"36\">36 years<\/option>\n            <option value=\"37\">37 years<\/option>\n            <option value=\"38\">38 years<\/option>\n            <option value=\"39\">39 years<\/option>\n            <option value=\"40\">40 years<\/option>\n            <option value=\"41\">41 years<\/option>\n            <option value=\"42\">42 years<\/option>\n            <option value=\"43\">43 years<\/option>\n            <option value=\"44\">44 years<\/option>\n            <option value=\"45\">45 years<\/option>\n            <option value=\"46\">46 years<\/option>\n            <option value=\"47\">47 years<\/option>\n            <option value=\"48\">48 years<\/option>\n            <option value=\"49\">49 years<\/option>\n            <option value=\"50\">50 years<\/option>\n          <\/select>\n        <\/div>\n      <\/div>\n\n      <div class=\"brx-cpp-calc__results\" id=\"cpp_results\" style=\"display:none;\">\n        <div class=\"brx-cpp-result brx-cpp-result--public\">\n          <div class=\"brx-cpp-result__label\">Public insurance (GKV) approx.<\/div>\n          <div class=\"brx-cpp-result__price\" id=\"cpp_precio_publico\">\u2014<\/div>\n          <div class=\"brx-cpp-result__note\" id=\"cpp_nota_publico\">Employee share \u00b7 the employer pays the same amount<\/div>\n        <\/div>\n        <div class=\"brx-cpp-result brx-cpp-result--private\">\n          <div class=\"brx-cpp-result__label\">Private insurance (PKV) approx.<\/div>\n          <div class=\"brx-cpp-result__price\" id=\"cpp_precio_privado\">\u2014<\/div>\n          <div class=\"brx-cpp-result__note\" id=\"cpp_nota_privado\">Employee share \u00b7 the employer pays half<\/div>\n        <\/div>\n        <div class=\"brx-cpp-result__cta\" id=\"cpp_cta\" style=\"display:none;\">\n          <p id=\"cpp_mensaje\"><\/p>\n          <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-comparison-germany\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\">See exact rates on Bramex Plus<\/a>\n        <\/div>\n        <div class=\"brx-cpp-result__nogkv\" id=\"cpp_nogkv\" style=\"display:none;\">\n          <p>With your profile <strong>you cannot take out private insurance<\/strong> on your own. Public insurance (GKV) is compulsory for employees at this salary level.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/en\/compare-krankenkassen-germany\/\" class=\"brx-btn brx-btn--navy\">See the Krankenkassen comparison<\/a>\n        <\/div>\n      <\/div>\n\n      <div class=\"brx-cpp-calc__nota\">\n        This comparison is indicative and does not replace a personal analysis. Real private insurance rates depend on your state of health, the coverage you choose and the insurer. For exact information, visit <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\"><strong>Bramex Plus<\/strong><\/a> or <a href=\"https:\/\/www.bramex.de\/en\/contact\/\">contact us<\/a>.\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-cpp-info\">\n      <div class=\"brx-cpp-info__img\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/calculo-seguro-privado-y-publico.png\" alt=\"Public vs private health insurance in Germany\" loading=\"lazy\">\n      <\/div>\n      <div class=\"brx-cpp-info__content\">\n        <h2>Who can take out private health insurance in Germany?<\/h2>\n        <p>Only people with a gross monthly salary <strong>above \u20ac6,450<\/strong> can take out private health insurance (PKV). If your monthly salary is below that figure but you receive a bonus or additional payment and your annual total exceeds <strong>\u20ac77,400<\/strong>, you can also opt for private insurance.<\/p>\n        <p><strong>Freelancers and self-employed people<\/strong> can take out private insurance regardless of their income, although conditions and prices vary depending on the profile.<\/p>\n        <div class=\"brx-cpp-info__alert\">\n          <span>\ud83d\udca1<\/span>\n          <span>For an exact analysis of your situation and real rates, <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\"><strong>visit Bramex Plus<\/strong><\/a>, our platform specialised in private insurance.<\/span>\n        <\/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\">Public vs private insurance: the key differences<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:40px;\">Germany offers two main options for health coverage. These are the most important differences.<\/p>\n\n    <div class=\"brx-cpp-compare\">\n      <div class=\"brx-cpp-compare__col brx-cpp-compare__col--public\">\n        <h3 class=\"brx-cpp-compare__title\">\ud83c\udfdb\ufe0f Public insurance (GKV)<\/h3>\n        <ul class=\"brx-cpp-compare__list\">\n          <li><strong>Cost:<\/strong> Percentage of gross salary (~17.5% in total in 2026, half employee \/ half employer)<\/li>\n          <li><strong>Family coverage:<\/strong> Spouse and children without income included at no extra cost<\/li>\n          <li><strong>Access to specialists:<\/strong> With the usual waiting times<\/li>\n          <li><strong>Flexibility:<\/strong> Limited, standard coverage regulated by the state<\/li>\n          <li><strong>Hospital stays:<\/strong> Shared room by default<\/li>\n          <li><strong>Who can take it out:<\/strong> Compulsory for employees earning below the annual threshold<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-cpp-compare__col brx-cpp-compare__col--private\">\n        <h3 class=\"brx-cpp-compare__title\">\ud83c\udfc6 Private insurance (PKV)<\/h3>\n        <ul class=\"brx-cpp-compare__list\">\n          <li><strong>Cost:<\/strong> Fixed premium based on age, state of health and coverage \u2014 it does not rise with your salary<\/li>\n          <li><strong>Family coverage:<\/strong> Each member pays individually, but with personalised coverage<\/li>\n          <li><strong>Access to specialists:<\/strong> Priority, with much shorter waiting times<\/li>\n          <li><strong>Flexibility:<\/strong> High \u2014 you choose exactly which coverage to include<\/li>\n          <li><strong>Hospital stays:<\/strong> Single or double room, treatment by the head physician<\/li>\n          <li><strong>Who can take it out:<\/strong> Employees earning more than \u20ac6,450\/month or self-employed people<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n\n    <div class=\"brx-cpp-table-wrap\">\n      <table class=\"brx-cpp-table\">\n        <thead>\n          <tr>\n            <th>Aspect<\/th>\n            <th>Public insurance (GKV)<\/th>\n            <th>Private insurance (PKV)<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Monthly cost<\/td><td>Based on salary<\/td><td>Based on age and health \u2014 can be very advantageous<\/td><\/tr>\n          <tr><td>Family coverage<\/td><td>Included at no cost<\/td><td>Individual payment, personalised coverage<\/td><\/tr>\n          <tr><td>Access to specialists<\/td><td>Standard<\/td><td>Priority, shorter waiting times<\/td><\/tr>\n          <tr><td>Dental coverage<\/td><td>Basic<\/td><td>Extensive, up to and including implants<\/td><\/tr>\n          <tr><td>Flexibility<\/td><td>Limited<\/td><td>High \u2014 exclusive, customisable coverage<\/td><\/tr>\n          <tr><td>Hospital stays<\/td><td>Shared room<\/td><td>Single room + head physician<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-cpp-bramexplus brx-cpp-bramexplus--cta\">\n      <div class=\"brx-cpp-bramexplus__cta-content\">\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=\"Bramex Plus\" class=\"brx-cpp-bramexplus__logo brx-cpp-bramexplus__logo--sm\">\n        <h2>For exact private insurance rates, visit Bramex Plus<\/h2>\n        <p>On Bramex Plus you have a complete comparison tool for private health insurance in Germany, with real rates, detailed coverage and personal advice. It is the most complete tool we have for analysing private insurance.<\/p>\n        <p>The calculator on this page gives indicative figures. <strong>For real data and a tailored analysis of your case, Bramex Plus is the right place.<\/strong><\/p>\n        <div class=\"brx-cpp-bramexplus__actions\">\n          <a href=\"https:\/\/bramexplus.com\/en\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\">Go to Bramex Plus \u2192<\/a>\n          <a href=\"https:\/\/www.bramex.de\/en\/contact\/\" class=\"brx-btn brx-btn--navy\">Talk to an advisor<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\n(function() {\n  \/\/ Bramex Plus BASIC rate incl. daily sickness benefit (employee share), interpolated and rounded to \u20ac5. Self-employed pay double (full premium).\n  var tarifasPrivado = {\n    25: 230, 26: 235, 27: 235, 28: 240, 29: 245,\n    30: 250, 31: 255, 32: 260, 33: 265, 34: 270,\n    35: 275, 36: 285, 37: 290, 38: 295, 39: 300,\n    40: 305, 41: 315, 42: 320, 43: 330, 44: 335,\n    45: 345, 46: 355, 47: 365, 48: 370, 49: 380,\n    50: 390\n  };\n\n  var SUELDO_REF = 6450;    \/\/ PKV access threshold (JAEG 2026)\n  var BBG_GKV = 5812.5;     \/\/ GKV contribution ceiling 2026\n  var MIN_GKV_AUT = 1318;   \/\/ minimum contribution base for self-employed 2026\n  var TASA_GKV = 0.175;     \/\/ 14.6% + 2.9% average Zusatzbeitrag 2026\n\n  var BASE_AUTONOMO = { bajo: 2500, medio: 4150, alto: BBG_GKV };\n\n  var TXT_MES = ' \u20ac\/month';\n  var TXT_NO_DISPONIBLE = 'Not available';\n  var TXT_MSG_BARATO = 'With your profile, private insurance could be cheaper than public insurance. For exact rates and detailed coverage:';\n  var TXT_MSG_IGUAL = 'With your profile, both options are comparable. For an exact analysis with real rates:';\n  var TXT_MSG_CARO = 'With your profile, public insurance could work out cheaper, although private insurance offers more coverage. For an exact analysis with real rates:';\n  var TXT_NOTA_PUB_EMP = 'Employee share \u00b7 the employer pays the same amount';\n  var TXT_NOTA_PUB_AUT = 'Full contribution \u00b7 as a self-employed person there is no employer share';\n  var TXT_NOTA_PRIV_EMP = 'Employee share \u00b7 the employer pays half';\n  var TXT_NOTA_PRIV_AUT = 'Full premium \u00b7 as a self-employed person you pay the whole premium';\n\n  function getVal(name) {\n    var els = document.querySelectorAll('input[name=\"' + name + '\"]:checked');\n    return els.length ? els[0].value : null;\n  }\n\n  function show(id, visible) {\n    var el = document.getElementById(id);\n    if (el) el.style.display = visible ? 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A clear comparison, no strings attached, with advice in your language. See the full comparison tool on Bramex Plus &#8230; <a title=\"Public vs Private Health Insurance in Germany \u2014 Which Suits You?\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/public-private-insurance-calculation\/\" aria-label=\"Read more about Public vs Private Health Insurance in Germany \u2014 Which Suits 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-37924","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance Calculator Germany: Public or Private?<\/title>\n<meta name=\"description\" content=\"Free health insurance calculator for Germany: enter your gross salary and see which is cheaper, public (GKV) or private (PKV). 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