Health insurance in Germany
Health insurance is mandatory — public (gesetzlich, GKV) vs private (privat, PKV), how contributions are split with your employer, and what's covered.
Health insurance is mandatory — public (gesetzlich, GKV) vs private (privat, PKV), how contributions are split with your employer, and what's covered.
Key points to understand
GKV (public) vs PKV (private) — who can choose
GKV (public) vs PKV (private) — who can choose. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Contributions split ~50/50 with your employer
Contributions split ~50/50 with your employer. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Family members often covered free under GKV
Family members often covered free under GKV. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Practical tips
- Prepare your documents and translations in advance — most delays come from missing paperwork.
- Always note the office name, address, and a contact number before you go.
- Ask the community on MyHAbroad if you’re unsure — chances are someone has already been through it.
Always verify with official sources before acting on the information above.
MyHAbroad is an independent app and is not affiliated with, endorsed by, or representing any government or public authority. Content is general information only — not legal, tax, medical, or financial advice. Always confirm details with the official sources above before acting.