Who Can Take Out Private Health Insurance?
Self-employed persons, civil servants, and high-earning employees are the classic customers
Self-employed persons, civil servants, and employees with a salary of more than [textbaustein textbausteinID=VersicherungspflichtgrenzeJ] euros per year can take out private insurance. Employees with lower incomes are subject to compulsory insurance: They must take out statutory health insurance.
People who do not have access to statutory health insurance also need to insure themselves privately. These are persons who come from abroad and are not subject to compulsory insurance:
- Students over 30 years of age who come from abroad
- Persons who come from abroad and are not gainfully employed
Exceptions apply to EU citizens and citizens from the European Economic Area. If you had statutory health insurance in your home country before coming to Germany, you can take out statutory health insurance in Germany.
Salaried and blue-collar workers with income below the compulsory insurance threshold are compulsorily insured under the statutory health insurance system. They cannot take out private comprehensive health insurance. Those who nevertheless wish to be treated as private patients can opt for private supplementary insurance.
Private comprehensive health insurance: Request a comparison
Private comprehensive health insurance: Request a comparison
Before taking out private health insurance, a cost-benefit analysis is essential as well as comprehensive advise from an health insurance specialist is required by law. Here you can request a comparison, consultation, and quote free of charge and obligation-free.