# Navigating German Health Insurance with Experts | Stay Reliable health insurance We will help you choose, arrange and tailor the perfect health insurance plan in Germany for you and your family. Learn more ![](https://stayinsured.de/hubfs/reliable-health-illustation.svg) Insurance # From public to private plans, we help you choose the best fit for your life Previous slide Next slide ![](https://stayinsured.de/hubfs/Private%20Health%20Illustation.svg) Private health insurance We help you to compare options, guide you through the application process, and assist in choosing the best fitting private solution for you. ![](https://stayinsured.de/hubfs/Public%20Health%20Insurance.svg) Public health insurance We explain how it works and support you in finding the plan that fits your needs best. [Learn more](https://stayinsured.de/public-health-insurance?hsLang=en-gb) ![](https://stayinsured.de/hubfs/Dental%20Health%20Insurance.svg) Dental insurance Implants and crowns can be very expensive in Germany if you are in the public health care system. Dental insurance not only covers most of these costs but also helps cover routine dental care with check-ups, cleanings and treatments. [Learn more](https://stayinsured.de/dental-insurance?hsLang=en-gb) ![](https://stayinsured.de/hubfs/Supplementary%20Health%20Insurance.svg) Supplementary insurance Depending on your needs, supplementary insurance can cover extra treatments, services, or costs not included in your public health care plan, offering you optimal cover even if yo are not eligible for full private cover. [Learn more](https://stayinsured.de/supplementary-insurance?hsLang=en-gb) ## Public vs. Private health insurance — what’s the difference? Public Income-based contribution Monthly cost depends on income (approx. €275–€1,270). Family included Non-working spouse and children included at no extra cost. Longer waiting times Access mainly via state doctors/hospitals; treatment priority based on medical urgency. Standard benefits Standardized by law; covers medically necessary basic treatments. No health assessment Pre-existing conditions don’t affect acceptance or contributions. Private Risk-based premiums Price depends on entry age, health status, and coverage level (income-independent). Individual coverage Separate contract per person; premiums are calculated individually. Faster appointments Priority access, typically shorter waiting times, faster specialists and diagnostics. Customizable benefits Contract-based coverage tailored to needs, from high-deductible to premium plans. Health assessment required Medical history may affect acceptance, pricing, or exclusions. Income-based contribution Monthly cost depends on income (approx. €275–€1,270). Risk-based premiums Price depends on entry age, health status, and coverage level (income-independent). Family included Non-working spouse and children included at no extra cost. Individual coverage Separate contract per person; premiums are calculated individually. Longer waiting times Access mainly via state doctors/hospitals; treatment priority based on medical urgency. Faster appointments Priority access, typically shorter waiting times, faster specialists and diagnostics. Standard benefits Standardized by law; covers medically necessary basic treatments. Customizable benefits Contract-based coverage tailored to needs, from high-deductible to premium plans. No health assessment Pre-existing conditions don’t affect acceptance or contributions. Health assessment required Medical history may affect acceptance, pricing, or exclusions. VS Not sure which one fits you? Book consultation ## Why is health insurance essential in Germany? ![](https://stayinsured.de/hubfs/Public%20Health%20Insurance.svg) ### Access to healthcare Only with valid insurance can you easily see doctors, get treatment, and use the German healthcare system without upfront payments whenever you need it. ![](https://stayinsured.de/hubfs/Private%20Health%20Illustation.svg) ### It's mandatory by law Health insurance is required by law in Germany. Without it, you can't register, work, study, or get a residence permit to stay in the country. ![](https://stayinsured.de/hubfs/Legal%20Expenses%20Insurance.svg) ### Financial protection Medical care can be expensive. Health insurance covers doctor visits, hospital stays, and treatments, protecting you from high unexpected costs. # SIMPLE STEPS ![](https://stayinsured.de/hubfs/wink_smile.svg) NO MORE ![](https://stayinsured.de/hubfs/long_arrow.svg) STRESS Describe your case Book a free call: we speak English, answer all your questions and help you understand your options. Clear guidance and honest advice from the start. ![](https://stayinsured.de/hubfs/Describe%20Case.webp) 01 Get your options We don’t just show you plans — we compare top providers, explain the pros and cons, and help you choose the best match based on your needs and lifestyle. ![](https://stayinsured.de/hubfs/Get%20Options.webp) 02 Skip the paperwork No more stressing over German forms. We take care of the confusing parts, handle communication with providers, and keep you informed about what's happening in every step of the process. ![](https://stayinsured.de/hubfs/Skip%20Paperwork.webp) 03 Immediate expert support Need help right away? Get connected to a qualified advisor now and get the guidance you need. Our team is ready to answer your questions immediately. Book a consultation ![](https://stayinsured.de/hubfs/Advisor%20Help.webp) 04 [5.0](https://www.provenexpert.com/de-de/stay-formerly-mw-expat/) ## What people say about us An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient. D Darren S. Navigating German health insurance I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free. S Sonya Freelancer I have receive a very personalized attention since the beginning with a very high professionalism. J J. Starting work in Germany All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios. A Anonym International specialist Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English. V Vahid B. Newcomer to Germany Previous slide Next slide ![](https://stayinsured.de/hs-fs/hubfs/about-us.webp?width=1372&height=920&name=about-us.webp) ### Not sure which health insurance plan is right for you? We're here to help. Get insured today ## Quick answers to questions you may have ### Do I need health insurance to live in Germany? ### How much does health insurance cost in Germany? ### What is the best health insurance plan in Germany? ### What's the difference between public and private health insurance? ### Who is eligible for private health insurance in Germany? # Clear guidance, tailored to your needs — just the best options for you. Book consultation