Health insurance in Germany Understand public, private and temporary cover before comparing providers. The right route depends on your work, studies and insurance history.
Choose the right type of health cover Public: statutory cover, with eligibility and contributions linked to your circumstances. Private: comprehensive cover for eligible applicants, with premiums and acceptance assessed individually. Temporary or incoming: limited-purpose cover; check acceptance for your exact stay before buying.
Understand Germany’s healthcare system before choosing. Switching routes can have long-term consequences.
Health insurance 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.
Compare health insurance providers Digital onboarding in English. Ideal for newcomers who want a fast, paperwork-free setup.
Featured public option BARMER Nationwide statutory health insurance with full English-language support.
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Shared statutory core; additional benefits differ Full English-language support Accepted everywhere in Germany More about BARMER Family insurance available where eligibility conditions are met 24/7 telemedicine included Get insured with BARMER Featured partner Feather English-first insurance platform for internationals, with public, private and expat health cover plus protection and lifestyle products.
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100% English app & support Online application Public + private options More about Feather Get a quote Private health insurance Ottonova Digital private health insurance with English-speaking support. Eligibility and premiums depend on your circumstances.
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English-speaking support Digital policy and claims management For people eligible for German private health insurance See plans Popular with students Care Concept Affordable international student cover accepted by universities
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Popular for incoming students Affordable starting price Covers pre-arrival period More about Care Concept English support Confirm acceptance with your university and immigration authority Get insured
Other public insurers Official German statutory health insurance. Comprehensive coverage, income-based premiums.
TK (Techniker Krankenkasse) Germany's largest public insurer
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Widely accepted public option Student tariff where eligible Some English support More about TK (Techniker Krankenkasse) Visit TK AOK Broad availability across Germany
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Offices in every city Good for long-term residents Student-friendly More about AOK Visit AOK DAK-Gesundheit German statutory health insurance with a dedicated English Feather enrolment route
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Shared statutory core; additional benefits differ Strong alternative-medicine cover Nationwide 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:
Check application and support languages Allow time for evidence and eligibility checks Student exemptions can have lasting consequences Confirm entry, enrolment and residence acceptance separately Read next The German healthcare system explained
Understand how public and private health insurance systems work in Germany.
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.
Insurance and protection in Germany
Compare health, liability, home, bike, car, pet, legal and other insurance for internationals in Germany.
Moving to Germany
Understand the full relocation journey including blocked accounts, housing, insurance and administrative registration.
