Your English-language PKV guide

Private Health InsuranceMade Simple for Expats

Navigate Germany's private health insurance system with confidence. Understand your options and get connected with licensed brokers who specialize in helping expats.

Find a Broker Learn About PKV

Shorter Wait Times

Priority specialist access

Better Coverage

Dental, vision & private rooms

English Support

Brokers who speak your language

Potential Savings

Often less than GKV for young pros

Shorter Wait Times

Priority specialist access

Better Coverage

Dental, vision & private rooms

English Support

Brokers who speak your language

Potential Savings

Often less than GKV for young pros

0.0M+

Privately insured in Germany

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Free for expats

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Broker partners (GewO)

Why Choose PKV

Benefits of Private Health Insurance

As a high-earning professional in Germany, private insurance gives you access to premium healthcare that matches your lifestyle.

Shorter Wait Times

Get appointments within days, not weeks. PKV patients enjoy priority scheduling at most practices and hospitals.

Choose Your Doctor

Access any specialist directly without referrals. Choose from a wider network of top doctors and private clinics.

Superior Coverage

Private rooms, chief physician treatment, dental prosthetics, alternative medicine, and worldwide emergency coverage.

Lower Premiums for Young Professionals

If you're under 35 and healthy, PKV premiums are often significantly lower than public insurance contributions.

Tax Advantages

PKV premiums are tax-deductible. Your employer covers 50% of your premium, up to the maximum contribution limit.

English-Speaking Support

We guide you through the entire process in English. No German required to understand your options and switch to PKV.

Your protection is our priority

Connected to §34d Licensed Brokers

GDPR Compliant

100% Free Service

Full English Support

Simple Process

How It Works

Getting the right private health insurance doesn't have to be complicated. Here's how we help.

Learn About PKV

Read our guides to understand how private health insurance works in Germany, who qualifies, and what it costs. All in plain English.

Read the Guide

Check Your Eligibility

Earning above the threshold or self-employed? Find out if you qualify for PKV and whether it makes sense for your situation.

Am I Eligible?

Connect with a Broker

Fill out our short form and we connect you with a licensed insurance broker (Versicherungsmakler) who will find the best plan for you.

Get Connected

Testimonials

Trusted by Expats Across Germany

Hear from professionals who made the switch to private health insurance with our guidance.

“Moving from the UK to Berlin, the German insurance system was overwhelming. The guides on this site made everything clear, and the broker they connected me with found a plan that saves me over €200/month.”

James Mitchell

Verified Expat

Software Engineer at a Berlin Startup

“As a freelance consultant, understanding PKV was crucial. The calculator helped me see exactly what I'd save, and the broker I was connected with found coverage I didn't think was possible at that price.”

Sarah Chen

Verified Expat

Independent Management Consultant

“The difference in healthcare quality after switching to PKV is remarkable. Same-day specialist appointments, private rooms — and my premiums are actually lower than what I paid for GKV.”

Marco Fernandez

Verified Expat

VP of Engineering, Munich

“The comparison table on this site convinced me PKV was the right choice. My broker got me a plan with full dental coverage for less than I expected.”

Priya Sharma

Verified Expat

Data Scientist, Frankfurt

“Being self-employed, I was nervous about insurance costs. The freelancer guide and calculator gave me clarity, and my broker found a plan at €380/month.”

TvdB

Tom van der Berg

Verified Expat

Freelance Designer, Hamburg

“I appreciated that this is an English-language resource. Everything was clear, straightforward, and the broker connection was seamless.”

Elena Popov

Verified Expat

Product Manager, Düsseldorf

“Moving from the UK to Berlin, the German insurance system was overwhelming. The guides on this site made everything clear, and the broker they connected me with found a plan that saves me over €200/month.”

James Mitchell

Verified Expat

Software Engineer at a Berlin Startup

“As a freelance consultant, understanding PKV was crucial. The calculator helped me see exactly what I'd save, and the broker I was connected with found coverage I didn't think was possible at that price.”

Sarah Chen

Verified Expat

Independent Management Consultant

“The difference in healthcare quality after switching to PKV is remarkable. Same-day specialist appointments, private rooms — and my premiums are actually lower than what I paid for GKV.”

Marco Fernandez

Verified Expat

VP of Engineering, Munich

Insights

PKV Insights & Guides

Latest articles and guides on private health insurance for expats in Germany.

View all articles →

hospital having pressure because of rising costs

Private Health Insurance

Cost Pressure Rising for Public and Private Health Insurers in Germany

Germany’s health insurance system is facing growing financial pressure as healthcare costs continue to rise. Both statutory health insurance Germany (Gesetzliche Krankenversicherung – GKV) and private health insurance Germany (Private Krankenversicherung – PKV) are dealing with increasing expenses linked to demographic changes, medical innovation and higher demand for healthcare services. Although the two systems operate […]

March 24, 2026· 5 min readRead more →

Private Health Insurance

Rising Healthcare Spending Puts Pressure on Germany’s Public Insurance Funds

Germany’s public healthcare system is facing increasing financial pressure as healthcare spending continues to rise. Many statutory health insurance funds, known as Gesetzliche Krankenversicherung (GKV), are reporting budget deficits due to growing costs and rising demand for medical services. The German health insurance system is largely funded through income-based contributions shared between employees and employers. […]

March 24, 2026· 5 min readRead more →

Private Health Insurance

Possible Reforms to Family Insurance Rules in Germany

Germany’s family insurance system, known as Familienversicherung, has long been a key feature of the country’s statutory health insurance structure. It allows spouses and children to receive health insurance coverage without paying additional contributions if certain income conditions are met. However, policymakers and health experts have increasingly begun discussing whether this system should be reformed. […]

March 24, 2026· 6 min readRead more →

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New to the German healthcare system? Read our complete guide to private health insurance in Germany

Ready to Switch to Premium Healthcare?

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