Navigating Healthcare in Germany: Understanding Statutory and Private Health Insurance Options

As an expat living in Germany, securing the right healthcare coverage is crucial. Germany’s healthcare system offers two types of health insurance: statutory and private.

Health insurance is compulsory for all residents, with over 73 million people being members of one of the 96 statutory health insurance funds and another 9 million enrolled in private health insurance companies.

In this article, we will dispel myths surrounding private health insurance in Germany and provide you with the facts you need to make an informed decision on which type of insurance is best for you.

Key Features of Our Health Care Consultation:

  • #1

    Compulsory Health Insurance:

    Health insurance is mandatory for all residents in Germany, covering costs of medical treatment and hospitalization.

  • #2

    Statutory Health Insurance:

    The majority of residents are insured through statutory health insurers, which are non-profit organizations providing basic healthcare coverage.


  • #3

    Private Health Insurance:

    Offering more comprehensive coverage, private health insurance contracts are based on entry age, health history, and desired service components.

  • #4

    Access to Services:

    Private health insurance often results in faster appointment availability and access to higher-quality medications and treatments.


  • #5

    Eligibility for Private Insurance:

    If your yearly gross salary is above €66,600 (2023 value), you may be eligible to switch to private health insurance, depending on your health status and family situation.

  • #6

    Personalized Consultation:

    Determine whether switching to private health insurance is the right choice for you through a one-on-one consultation with German Sherpa.


At German Sherpa, we understand the complexities of Germany’s healthcare system and the unique challenges faced by expats. We’re here to help you navigate the “insurance jungle” and ensure that you make the best healthcare decisions for your individual needs. With our expertise, we can guide you through the process of selecting the appropriate health insurance coverage, whether statutory or private, and provide you with personalized advice based on your specific circumstances. Contact us to schedule a consultation and secure the healthcare coverage that best suits your needs in Germany.

Attend our free Seminars for Expats in Germany: