# Expert Advice on German Public Health Insurance (GKV) | Stay

Public Health Insurance

Affordable, reliable and quality healthcare: backed by the state and built for everyone.

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Key features of public health insurance

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Income-based contributions

Contributions are based on your income, ensuring fair and equal access regardless of age, gender, or health status.

Free coverage for family members

Non-working spouses and children can be insured at no extra cost through Familienversicherung, as long as they meet the eligibility criteria.

Standardized benefits with wide access to care

All public insurers offer a defined benefits package (including doctor visits, hospital care, preventive check-ups, and essential treatments), with free choice of doctors within the public system.

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## What is public health insurance?

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### Solidarity-based system

Germany’s public health insurance is built on the principle of solidarity. This means that everyone contributes according to their income, and everyone receives care according to their needs. Higher earners help support those with lower incomes, ensuring stable, universal access to healthcare.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-21%20a%20las%2011.32.16.png)

### Preventive care focus

Regular check-ups, screenings, vaccinations, and health programs are included, helping detect issues early and promote long-term wellbeing.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-21%20a%20las%2011.43.28.png)

### No medical risk checks

When joining public health insurance, there are no health checks, medical questionnaires, or exclusions for pre-existing conditions. Coverage starts regardless of your health status, and all basic necessary treatments are included from day one.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-21%20a%20las%2011.41.56.png)

### Family members included at no extra cost

Non-working spouses, partners, and children can join your public health insurance for free if they meet the eligibility rules, making it simple and affordable to cover your entire household.

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### Answer a few simple questions and get smart tailored insurance options from our team of experts

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## 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

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## Quick answers to questions you may have

### Do I need health insurance to live in Germany?

### What's the difference between public and private health insurance in Germany?

### Can I switch from private to public health insurance later?

### How much does public health insurance cost in Germany?

### Who qualifies for public health insurance in Germany?

# Clear guidance, tailored to your needs — just the best options for you.

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