Public or private health insurance? Find an insurance expert who speaks English.
Whether private cover is open to you, what it costs as you age, and switching without a gap: an insurance expert who works in English goes through it with you.
- Whether private cover is open to you, and what it costs over the years
- Private insurers and tariffs compared for your age and family
- The switch handled without a gap in cover
Confidential · Free for you
Read this first
Common questions
Yes. After 12 months of membership you can give notice, which takes effect at the end of the second month after the month you give it. If your fund raises its additional contribution, you can give notice even within those 12 months, up to the end of the month the higher rate first applies (§ 175 SGB V). Funds no longer have to write to members before a rise, so the published rates are worth watching.
Employees can once their regular pay is above the income threshold, which is set every year; the self-employed and civil servants generally can; students can opt out of public student insurance within three months of enrolling. Step 2 applies the rules to your own answers.
Often at the start, for a young and healthy single person. Premiums follow age and risk rather than income, rise over the years, and are charged for every family member separately. Step 3 sets the two side by side over a lifetime.
Voluntary public insurance, with contributions based on your income, or private insurance. Sick pay needs arranging either way, because no employer pays your wages when you're ill.
The guides and tools are free, and you pay us nothing. Insurance experts: the insurer pays them a commission when you take out a policy. If you go ahead with them, they may pay us a referral fee. What they pay never decides who your request goes to.