Private Health Insurance
- Faster doctor appointments
- Access to top specialists
- Strong dental and vision cover
- Stable benefits over time
- Simple claims in one app
- 4.8 out of 5 advisor rating
- Over 150 offers compared for you
- Free expert consultation
Description
Waiting weeks for a doctor visit is not a health plan. Private Health Insurance gets you seen faster, with modern care that fits your life. No drama, just options that work when you need them.
Get quick access to specialists and hospital choice, including chief physician treatment if you want it. Strong cover for dental, vision and hearing. Use prevention early and keep benefits stable even when others cut back.
We compare over 150 offers and set up the right cover for you. Manage quotes, claims and documents in one app, then get money back when you claim less. From 200 per month, book a free consultation and protect your health today.
Reviews
When you become self-employed
Going solo feels freeing - until the first contracts, invoices and admin pile up. You're responsible for your income now, which is exciting and a bit daunting. A few smart protections keep your head in the business, not the what-ifs.
Essential cover
for this moment
.avif)
When you move to Germany for work (Non-EU)
New country, new job, new paperwork. You’re sorting housing, registration and contracts, and just want to arrive without admin surprises. These are the few policies that genuinely make your start in Germany easier.
Essential cover
for this moment
.avif)
When you move to Germany for work (EU)
New job, new country, lots of forms. Between registering, flat hunting, and your first letters from the Behörden, you just want to land and get to work. Cover the basics so a small mishap doesn’t derail your start.
Essential cover
for this moment
When your first job kicks off
First job, first paycheck — nice. Then the grown-up to-dos hit: health insurance, contract fine print, probation. You want to work, not read legalese, so here’s what actually matters now.
Essential cover
for this moment
When university starts
New chapter, new city, new shared flat—and suddenly you’re juggling timetables instead of parents’ evenings. You’ve got plenty on your plate. Tick a few basics now and future‑you keeps more time, money, and headspace for real student life.
Essential cover
for this moment
Planning early retirement
You’re eyeing the exit a little earlier: more freedom, fewer status meetings. Sounds good, but the numbers need to line up. Between leaving work and the state pension, health cover and steady income must be sorted. Better to tidy it now than pay for surprises later.
Essential cover
for this moment
Benefits overview
When your health insurance kicks in
Who is insured
How you're helped
Not covered
Cosmetic procedures
Purely cosmetic or not medically necessary treatments are not covered. If care is needed due to an accident or illness, your doctor must confirm medical necessity.
Long term care needs
Long term nursing and daily living support are not included. These needs are covered by separate long term care insurance products.
Loss of income
This policy does not replace salary during illness. For income protection use separate income protection insurance or daily sickness allowance cover.
Long trips abroad
Extended travel or living abroad may need separate travel health insurance. We offer this cover and it is free in the first year for new customers.
Documents
Who can apply for private health insurance?
No, your premium does not rise because you submit claims. The price depends on your chosen benefits, your entry age and your deductible. Some plans reward low usage with cashback at year end. We explain this transparently before you sign.
What does private health insurance cover?
Plans start from €200 per month. The exact premium depends on your benefits, your deductible, your entry age and your health information. If you are employed, your employer usually pays a share up to the statutory limit. We check 150+ offers and find strong cover at the best price for your situation.
Are there waiting periods, and how do they work?
Some benefits have waiting periods. These vary by insurer and by benefit, for example for dental or pregnancy. Prior coverage or a short medical check can reduce or remove them. Your quote will list any waiting times in plain English, so there are no surprises at claim time.
How do claims and payments work in practice?
For most doctor visits you receive an invoice. You upload it in the Getsafe app, we review it, then you get reimbursed to your bank account. For hospital stays, direct billing is often possible if your plan includes it. Keep original documents until your claim is settled. If anything is missing, our team will nudge you.
Do I pay more if I get sick and claim often?
No, your premium does not rise just because you file claims. Prices depend on your chosen benefits, your age at entry, and your deductible. Some plans reward low usage with cashback at year end. We explain this clearly before you sign.
How much does it cost, and what affects the price?
Plans start from 200 per month. The exact price depends on your benefits, deductible, age at entry, and health answers. If you are employed, your employer usually pays a share up to a legal cap. We check 150 plus offers and find strong cover at the best price for your situation.
One App. All your Insurance.
Easily manage all your insurance policies in a single app. From clear overviews of your coverage to instant claim submissions, we put you in control of your insurance so you can get back to what matters.
24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
We believe getting help should be easy. Choose between our intelligent AI, a human expert, or a professional consultant to guide you through your insurance questions and needs, all on your terms.
Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
Have questions?
Let’s figure it out together.
Chat with an expert who speaks your language – not insurance jargon. For free and unobligatory.
Recommended by those who inspire
