List of Private Health Insurance Companies in Germany

Your options, listed.

Whether you are planning to live in Germany for a few years or a freelancer looking for private coverage, these are the most popular options used by foreigners in Germany (listed in alphabetical order).

April International

April International has a number of private insurance options, but you have to fill out a form in order just to get a quote. If you have the time do some shopping, then go for it. Otherwise, it’s a bit annoying.

There are other options out there that don’t make you work this hard.

Care Concept (starting at €59, €150 deductible)

Concept Care is cheap because it doesn’t actually cover much of anything. No routine annual checkups. It does not seem like a good deal.

Mawista (starting at €59, €0 deductible)

Mawista is an extremely affordable option for first-time visa applicants. I took proof of Mawista to the immigration office and had no problems — as long as it covers your medical needs and pregnancy, they are happy!

If you’re planning a short stay in Germany (up to five years), a Mawista Expat plan will likely be accepted by the immigration officer.

BUT take note that Mawista is technically travel insurance, so you will not be able to renew your visa with Mawista. If you’re going in for a visa renewal, the immigration office automatically considers you a longer term resident and will ask you to provide proof of “proper” health insurance. At this point, you will have to show proof of either public or private health insurance.

(I learned that the hard way.)

Ottonova

Ottonova is the only private health insurance with a “concierge service” designed to make it easy for expats to book appointments and submit claims.

Their expat tariffs are slightly cheaper than their regular rates, because you’re a visitor in the country. However, it does include vision and dental care, including a generous €300 allowance for contact lenses or glasses every two years.

The thing I like best about Ottonova is the fact that they locate doctors near your home or office and book them for you. If you’re an expat and not comfortable calling into doctor’s offices, it’s perfect.

👉🏽RELATED: The Most Expat-Friendly Insurance In Germany

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