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Health Insurance Guide
Navigate the German healthcare system with ease.
Health insurance is mandatory in Germany. You can choose between public (statutory) and private health insurance.
Insurance Options in Germany
Public Health Insurance
Comprehensive coverage for most medical needs, with costs based on income (about 14.6% of gross salary, split between you and employer).
Best for: Most employees, students, and families
TK (Techniker Krankenkasse)
Highlights:
- • English service
- • Digital services
- • Good for expats
Monthly Rate: ~14.6% of income (shared with employer)
AOK
Highlights:
- • Largest provider
- • Local offices
- • Family coverage
Monthly Rate: ~14.6% of income (shared with employer)
Barmer
Highlights:
- • Nationwide coverage
- • Additional benefits
- • English support
Monthly Rate: ~14.6% of income (shared with employer)