Comparing Private and Public Health Insurance
PUBLIC HEALTH INSURANCE
Advantages:
✅ Comprehensive coverage + can buy supplementary insurance to fill gaps
✅ No medical assessment required
✅ Dependent family members included cost-free
Disadvantages:
❌ Contribution calculated by salary - high-earners pay the most.
❌ Monthly contributions can be as high as the assessment cap (€1,150 in 2025)
❌ Coverage can't be customised meaning a risk of paying for unneeded services
PRIVATE HEALTH INSURANCE
Advantages:
✅ Cost not calculated by income but health upon application, entry-age and benefits selected
✅ Fully customisable - only pay for services you want and need
✅ Added benefits: Faster appointments, wider choice of doctors + more
✅ No-claims bonus up to €2,000 annually for coverage not used
Disadvantages:
❌ Paid per person so can be expensive if you have more than one child
❌ Switch to public requires a drop in income (misconception that it's impossible!)
❌ Medical assesment needed
Why Work With Us?
⭐ Advisors you can trust - 350+ expats helped and counting! Check out our 5*star reviews on ProvenExpert and Google
⭐ Discuss your unique case, get a second opinion, have all your questions answered
⭐ 100% independent. KLforExpats is not a tied agent - we work in your best interests and don't act on behalf of health insurance providers
⭐ We provide quotes from multiple providers (both public and private!) so you can thoroughly compare your options based on quality and affordability
⭐ Free service: We earn through providers, not the individual. But we'll never encourage you to sign-up for a plan that isn't a fit- if your provider isn't right and you cancel, neither of us wins!
⭐ We don't just love you and leave you! We are your insurance representatives for the entirety of your plan which means if your circumstances in Germany change or you need help with your provider down the line, we've got you!
⭐ Our customer service is speedy and convenient! We have a WhatsApp customer support channel available 7 days a week and respond within hours! 📞
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