How to get health insurance in Germany #

In Germany, health insurance is mandatory for everyone whether you are a student, employee, freelancer, or expat. You cannot register at university, sign an employment contract, or even get a residence permit without showing proof of health insurance.

Types of Health Insurance in Germany #

When choosing health insurance, the right option depends on your status and income.

1. Public Health Insurance (Gesetzliche Krankenversicherung – GKV) #

Best suited for:

• Employees earning under the income threshold
• University students
• Interns and apprentices

Popular public providers:

• TK (Techniker Krankenkasse)
• AOK
• Barmer

2. Private Health Insurance (Private Krankenversicherung – PKV) #

Best suited for:

• Freelancers & self-employed professionals
• High earners above the public threshold
• Expats wanting tailored coverage

Popular private providers:

• Ottonova (digital-first, English-friendly)
• Allianz
• Debeka

Documents you will need to get health insurance #

• Passport/ID
• Proof of residence in Germany (Anmeldung)
• Employment contract OR university admission letter
• Bank details (for monthly premium payments)