Get Private Health Insurance in Germany
Private health plans cover a wider choice of medical and dental treatment and generally provide broad geographical coverage. By having private health insurance you are considered a private patient and can expect a higher level of service from the medical profession. You may choose a private health insurance (Private Krankenversicherung or PKV) instead of the government health plan if your gross salary is higher than 60,750 Euros per year (2019 figures). Self-employed persons, German civil servants and those persons working part-time and earning less than 450 Euros per month are also eligible.
Apply online: Get Private Health Insurance
ottonova – German Health Insurance for Expats
Save on health insurance. Get a whole lot more.
You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.
- Special expat rates – And excellent coverage
- Get your visa – Fulfills all legal requirements
- 24/7 English support – To make your life easier
- No paperwork – Sign up online & use app
How it works
- To help you with our online sign-up process, we'll set up an appointment to chat on the phone.
- We can answer any questions you might have, and guide you through the steps, one at a time.
- Just click on “Get a Consultation” to get started!
It’s as simple as that.
Main advantages
Save on health insurance. Get a whole lot more.
You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.
Copyright: www.ottonova.de/expats
How much does it cost
In private health insurance, the costs are based on the desired benefits and your age. Simply adjust your rate to meet your needs. Personalize your ottonova rate with our add-on for a daily sickness allowance.
Why is the Expat tariff cheaper?
Normally, private insurance plans help you to save for your future – you'll pay more now, so that your premiums don't rise later. But if you're only planning on staying in Germany for a short time – less than 60 months – then there's no need to set this extra money aside.
What about travel insurances?
If Germany is your home country for at least the next couple of years, travel insurances are not a viable option for obtaining a visa in Germany as they are not compliant with §257 SGB V, §61(6) SGB XI. Unlike ottonova, these insurances also don't contribute to the required long-term nursing care insurance (Pflegepflichtversicherung).
Apply online: Get Care Expatriate Health Insurance
CareConcept – Care Expatriate
The Care Expatriate policy is tailored to the needs of private and business travellers and those on business assignments or emigrating worldwide. Health insurance can be taken out for long-term trips (stay abroad for at least 6 months up to a maximum of 5 years) up to a maximum entry age of 74 years.
- Special expat rates – And excellent coverage
- Three different tariffs: Basic, Comfort and Premium
- at least 6 months up to a maximum of 5 years
How it works
- Choose the right tariff (Basic, Comfort or Premium)
- Click on Online Application
- After checking your details you will receive everything else by email.
It’s as simple as that.
Main advantages
How much does it cost
In private health insurance, the costs are based on the desired benefits and your age. Simply adjust your rate to meet your needs. Personalize your ottonova rate with our add-on for a daily sickness allowance.
Why is the Expat tariff cheaper?
Normally, private insurance plans help you to save for your future – you'll pay more now, so that your premiums don't rise later. But if you're only planning on staying in Germany for a short time – less than 60 months – then there's no need to set this extra money aside.
What about travel insurances?
If Germany is your home country for at least the next couple of years, travel insurances are not a viable option for obtaining a visa in Germany as they are not compliant with §257 SGB V, §61(6) SGB XI. Unlike ottonova, these insurances also don't contribute to the required long-term nursing care insurance (Pflegepflichtversicherung).