Is Health Insurance Mandatory in Germany? Everything Expats Need to Know in 2025

Moving to Germany comes with a lot of questions, and one of the most important is about health insurance. Whether you're an expat, freelancer, or student, understanding Germany's health insurance system is crucial for your well-being and legal compliance. Here are answers to some of the most common questions foreigners have when thinking about hiring health insurance in Germany.

1. Is Health Insurance Mandatory in Germany for Expats?

Yes, health insurance is mandatory in Germany for all residents, including expats. You must either have public health insurance (GKV) or private health insurance (PKV), depending on your income level and employment status. This applies to everyone who resides in Germany for more than three months.

Failure to have health insurance can result in fines, legal issues, or delays in getting a residency permit. It's critical to get insured as soon as possible after arriving in Germany to avoid penalties.

2. What Type of Health Insurance Should I Choose in Germany?

As a foreigner in Germany, you typically have two main options:

• Public Health Insurance (GKV): Suitable for employees earning below a certain threshold (around EUR73,800 annually in 2025). GKV provides basic coverage with fixed premiums based on your income.
• Private Health Insurance (PKV): Available to high earners, freelancers, and self-employed individuals. PKV offers more comprehensive coverage and faster access to healthcare services.

Not sure which one is right for you? Use our Health Insurance Comparison Tool to compare both options and find the best solution for your needs.

For a list of private health insurance providers, visit The Munich Eye's PKV page.

3. What Happens If I Don't Have Health Insurance in Germany?

If you don't have health insurance, you could face serious consequences. Germany's strict healthcare laws require everyone to be insured. If you're caught without insurance, you'll be required to pay back premiums for the period you were uninsured and face hefty fines.

As a visitor, if you don't have German health insurance, you can still see a doctor--but you'll be responsible for the full cost. A general practitioner (GP) consultation can cost between EUR30 and EUR60, depending on the treatment, and medical bills can add up quickly.

4. How Much Does Health Insurance Cost in Germany?

The cost of health insurance in Germany varies based on several factors, including your income, age, and the level of coverage you require.

• For Public Health Insurance (GKV): Premiums are income-based, typically around 14-15% of your salary, shared between you and your employer.
• For Private Health Insurance (PKV): Premiums depend on your age, health status, and coverage options. Young and healthy expats can enjoy relatively low premiums, but the cost can increase with age or changes in health.

Curious about how much you'll pay? Use our German Health Insurance Comparison Tool to get tailored estimates based on your profile.

5. Can I Get Private Health Insurance in Germany as an Expat?

Yes, if you meet certain criteria, you can opt for private health insurance in Germany. Expats who are self-employed, freelancers, or high earners (above EUR66,600 annually) are eligible for PKV. Private health insurance plans are also available to students and certain groups of temporary residents.

For more information, visit The Munich Eye's PKV page for a list of private health insurance providers in Germany: PKV Providers.

6. What Are the Benefits of Private Health Insurance for Expats?

Private health insurance in Germany offers a range of benefits, particularly for expats:

• Faster access to specialists and treatments: PKV ensures priority service with reduced wait times.
• Comprehensive coverage: You can include dental care, maternity services, and global coverage.
• Enhanced comfort: Private hospital rooms and treatments from senior consultants.

For expats living in Germany, private health insurance can provide superior healthcare and a hassle-free experience when it comes to medical treatment.

7. Can I Keep My Private Health Insurance If I Leave Germany?

If you have private health insurance (PKV) in Germany and decide to move abroad, you may still be able to keep your coverage, depending on the insurer. However, it's important to notify your health insurance provider of your move and check if your policy covers international healthcare.

8. How Do I Choose the Right Health Insurance Plan for My Needs?

Choosing the right health insurance plan depends on your income, lifestyle, and health needs. It's essential to understand what coverage is included and whether additional services, such as dental care or international coverage, are important to you.

To help you navigate the options, use our Health Insurance Comparison Tool. It will guide you in selecting a plan that fits your specific needs and budget.

Conclusion: Get the Right Health Insurance for Your Stay in Germany

Health insurance is a vital part of living and working in Germany. Whether you opt for public or private insurance, having coverage will ensure you have access to Germany's top-quality healthcare system.

Ready to find the best plan for your situation? Start comparing health insurance options using our German Health Insurance Comparison Tool today and secure the coverage that fits your needs.

For a complete list of private health insurance providers, visit The Munich Eye's PKV page.

Image by Gerd Altmann from Pixabay