Public Health Insurance
- Income-based contributions
- Broad medical coverage
- Kids included up to age 25
- Free expert consultation
- 90% in Germany are publicly insured
- 4.8 out of 5 average advisor rating
- We compare 150+ offers to find your fit
Description
Health admin has a habit of landing on your to do list and staying there. Public Health Insurance keeps you covered while we handle the boring bits. Get solid cover from 130 per month.
Access the care you need, no matter your income or health status. Benefits include family doctor visits, specialists, hospital treatment and preventive care across the European Union. Kids can be included for free in family cover up to age 25.
Getting set up is quick. Answer a few questions, talk to an expert, pick your match and we do the rest. Start now to lock in protection and tick this off your list.
Reviews
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
When your apprenticeship starts
New company, first payslip, maybe a move to a new city. You’re juggling contracts, deadlines, and real work life. Sort the basics now, so you can focus on your training.
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 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
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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
.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
What is covered
When your cover applies
Who is protected
How you're helped
Not covered
Cosmetic or non medical care
Purely cosmetic procedures and services without medical need are not covered. This also applies to alternative treatments without approval, and to remedies that are not prescribed.
Private room and chief doctor
Single rooms, treatment by the head physician and other comfort choices are not covered. Book these with a separate private hospital add on policy if you want extra comfort.
Planned treatment abroad
Planned medical treatment outside Germany is not covered unless your fund approves it in advance. For trips outside the EU, use separate travel health insurance for full protection.
Long-term nursing care
Long-term nursing care and support for dependency are not covered by health insurance. This is handled by separate long-term care insurance in Germany.
Documents
Who can join statutory health insurance in Germany?
In Germany, every employee earning below the mandatory insurance threshold is required to have public health insurance. For 2025, this threshold is €73,800. Students, families and many self-employed individuals can also join. You can include children at no cost through family coverage, up to age 25 or until they earn more than €607.50 per month. New to Germany or switching? We'll get you started on the right date. Book a free consultation.
What does the cover include, and what is not covered?
Cover includes medically necessary treatment. General practitioners and specialists, hospital care, prescribed medicines, preventive checkups, maternity, mental health, and basic dental like checkups and simple fillings. It does not fully cover private rooms, some dental prosthetics, or elective extras. For extras, add supplementary cover. We help you pick only what you need.
How much will I pay each month?
Contributions are based on your income, not your health. Prices start from 130 per month. Your exact amount depends on your gross income and the fund you choose. Children can be included at no extra cost through family cover if eligible. No price jump for pre-existing conditions. Get a quick estimate and your best options in minutes.
Are there waiting periods or exclusions for pre-existing conditions?
No general waiting period once your cover starts. Statutory insurance accepts pre-existing conditions, so you get necessary treatment from day one. Some benefits follow legal timelines, for example sick pay begins after your employer period ends. If you switch from another fund, your previous insurance time counts. We set your start date so you are not left uncovered.
How do I use the insurance and make claims?
It is simple. Show your health card at the doctor or hospital, they bill the fund directly, no claim form needed. For refunds like approved vaccinations or cross border care, send receipts to your fund. If you need a hand with paperwork, use the Getsafe app or talk to us, and we guide you step by step.
Am I covered when I travel abroad?
Across the European Union you are covered for medically necessary treatment during temporary trips. Bring your health card and a photo ID. Outside the EU, statutory cover is limited or not accepted. A travel health policy is smart for those trips. We can add it in minutes so a weekend away does not turn into a finance class you never wanted.
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.
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