Navigate Germany's private health insurance system with confidence. Understand your options and get connected with licensed brokers who specialise in helping expats.
Answer 5 quick questions about your employment, income, and age. Takes 2 minutes. Instant result.
Take the quiz →A §34d licensed broker who speaks English reviews your profile and compares quotes from all major PKV insurers.
Book a free call →Your broker handles all the paperwork. Policies typically start within 2–4 weeks of application.
See what you need →For expats above the income threshold, PKV typically delivers better healthcare at a lower monthly cost.
Full PKV guide →Premium is fixed by your age at entry, not your income. At €70k salary you pay roughly half of GKV costs.
Private room in hospital. Choose any specialist directly, no GP referral. Shorter waiting times.
Brokers and several insurers offer full English-language service. No German required.
Entry age determines your base premium for life. Every year you wait costs more in the long run.
5 questions to find out if you qualify for PKV and whether it makes financial sense for you.
Check eligibility → Instant estimate Cost CalculatorEnter your age, income, and health status to get a realistic PKV premium range.
Calculate costs → Side-by-side GKV vs PKVFull comparison of Germany's public and private health insurance systems for expats.
Compare now → Printable Document ChecklistAll documents you need to apply for PKV, in the right order.
View checklist →"I was paying €540/month for GKV. After switching to PKV I pay €240/month. Same doctor, better room in hospital. Wish I had done it in my first year."
"As a freelancer I had no idea I could switch. The broker handled everything in English. It took two weeks and I now save €280/month."
"The guide explained the differences better than my German colleagues ever could. The broker found me a plan that costs half my old GKV contribution."
A licensed §34d broker will review your situation, compare quotes from all major PKV insurers, and give you a clear recommendation. Free of charge, in English, no obligation.