Health Insurance Mandatory for everyone in Germany. Compare English-friendly digital providers alongside traditional statutory options.
Work out what you would pay Answer a few questions to see which German health insurance options you qualify for and what each would cost. Provided by Feather.
Recommended for newcomers Digital onboarding in English. Ideal for newcomers who want a fast, paperwork-free setup.
Recommended public option
BARMER
from €146.29/mo (students)
Large statutory insurer, English application via Feather
Full statutory coverage, identical benefits to any public insurer
Application handled in English through Feather
Accepted everywhere in Germany
Family members covered at no extra cost
24/7 telemedicine included
Childless students aged 23 and over pay €151.42/month
Standard public coverage only, no private extras
Own portal and correspondence are German-language
Get insured with BARMER Recommended
Built for expats in Germany
100% English app & support
Travel insurance included
Private plans harder to switch later
Get a quote Best for professionals
Premium private digital insurance
Short waiting times for appointments
Not suitable for all visa types
Private — can be hard to switch back
See plans Popular with students
International insurance for incoming students
Popular for incoming students
Affordable starting price
Covers pre-arrival period
May require careful plan selection
Not a statutory health insurer
Coverage limits on some plans
Get insured
Other public insurers Official German statutory health insurance. Comprehensive coverage, income-based premiums.
TK (Techniker Krankenkasse)
from €120/mo
Germany's largest public insurer
Widely accepted public option
Cheapest for students under 30
Branch visits may be needed
Visit TK Broad availability across Germany
Good for long-term residents
Visit AOK DAK-Gesundheit
from €141/mo (students)
Third-largest statutory insurer
Same statutory benefits as any public insurer
Strong alternative-medicine cover
Standard public coverage only
View DAK Public or private, and why it matters more than the price Getting insured, in order Public insurers are excellent value but come with some friction for newcomers:
Public insurer applications are often partly or fully in German You may need to visit a regional office in person Processing can take 2–4 weeks For students: choosing private insurance is IRREVERSIBLE for the duration of your studies Employed workers have their insurance handled through their employer's payroll Some links on this page are affiliate links. We may earn a commission at no extra cost to you. Our recommendations are based on independent evaluation. Learn more Essential protection The cover most people in Germany carry, and what it is for.
German essential
Personal liability insurance
Personal liability insurance helps cover accidental injury or damage you cause to other people or their property.
Get liability insurance Home and belongings Cover for your flat and the things in it.
Household insurance
Protect your belongings at home against insured risks such as theft, fire and water damage.
Protect my home Transport Getting around, whether that is a bike or a car.
Bike insurance
Protect your bicycle against covered theft and damage, with options designed for everyday riders in Germany.
Insure my bike Car insurance
Compare car insurance for vehicles registered in Germany and choose the level of cover that fits your needs.
Explore car insurance Pets and family Cover for the rest of your household.
Pet health insurance
Help manage eligible veterinary costs with pet health cover tailored to your animal and chosen benefits.
Protect my pet Dog liability insurance
Dog liability covers damage or injury caused by your dog and is mandatory in some German states.
Get dog liability cover Further insurance Optional cover worth knowing about.
Legal insurance
Legal insurance can help with covered legal costs. Compare waiting periods, exclusions and covered areas before buying.
Explore legal insurance Dental insurance
Supplement statutory dental benefits for treatments such as crowns, implants and professional cleaning, subject to plan terms.
Explore dental cover Life insurance
Life insurance pays an agreed sum to the people you nominate if you die during the policy term.
Explore life insurance Read next Student health insurance in Germany: what it costs in 2026
Public vs private student health insurance in Germany, real 2026 premiums, the under-30 rule, and the one decision you cannot reverse.
The German healthcare system explained
Understand how public and private health insurance systems work in Germany.
Cost of living in Germany for international students
Understand monthly expenses, rent, insurance and how much you really need to live in Germany as a student.
Moving to Germany
Understand the full relocation journey including blocked accounts, housing, insurance and administrative registration.
