ARAG Private Health Insurance – English Experts Consultation
Finding the right health insurance in Germany can be overwhelming.
English Support
All documents translated into English for better understanding – from consultation to contract details.
Full-Service Consultation
Support from first inquiry to ongoing customer care – before and after signing your insurance.
Certified ARAG Expertise
ARAG-certified health insurance specialist with a dedicated certification in healthcare consulting.
What WE do for you
Comprehensive Comparisons
We provide detailed, English-language comparisons between statutory health insurance and ARAG’s private plans. Need a broader view? We also compare all major German insurers to find the best coverage for your needs.
Paperwork & Application Support
Health insurance paperwork in Germany can be overwhelming. We guide you step by step, translate all necessary documents, and ensure your application is 100% correct.
100% Free Consultation
Our service is completely free of charge for you. We do not charge any fees for consultation, comparisons, or support. If you decide to take out a policy, We receive a commission from the insurer – standard practice for all brokers. This does not affect your insurance price or conditions in any way.
Smooth Transition
We handle all paperwork, including communication with your previous insurer and your employer, ensuring a seamless transition to your new health insurance.
English Translations
All documents and communication are fully translated into English for complete transparency and understanding.
Long-Term Support
Beyond policy setup – We offer ongoing support, answering questions and assisting with claims when needed.
our Clients
Employees & High Earners
Specializing in optimal health insurance solutions for employees and high earners, ensuring comprehensive coverage that meets the demands of dynamic professional lives.
Self-Employed
Crafting personalized health insurance plans for self-employed professionals and freelancers, focused on flexibility and tailored benefits that support your independent career path.
International Professionals
Guiding expats and international professionals through the complexities of private health insurance in Germany with full English support and clear, straightforward advice.
Business Owners & Corporate
Providing robust health insurance strategies for business owners and corporate clients to safeguard your team and operations with premier health plans.
“Trust in our award-winning expertise to secure your future.”
Latest NEWS
Current Public Health Insurance Situation
How Much Does Public Health Insurance Cost in Germany in 2025? Top Providers & Contribution Rates Explained
In 2025, the German public health insurance system (GKV) has seen adjustments in contribution rates and income thresholds. Below is an overview of prominent German statutory health insurance providers, their respective contribution rates for 2025, and the maximum monthly contributions for childless members, considering the income ceiling (Beitragsbemessungsgrenze) of €5,512.50 per month.
1. Techniker Krankenkasse (TK): With a total contribution rate of 17.05% (14.6% general rate + 2.45% additional rate), the maximum monthly contribution is €938.37. Including the long-term care insurance (Pflegepflichtversicherung) rate of 4.2% for childless members, an additional €231.53 is added, totaling €1,169.90 per month.
2. Allgemeine Ortskrankenkasse (AOK): The AOK branches have varying additional contribution rates. For instance, AOK Bayern has a total rate of 17.29% (14.6% + 2.69%), leading to a maximum monthly contribution of €952.12. With the 4.2% care insurance, the total is €1,183.65 per month.
3. Barmer GEK: Barmer’s total contribution rate is 17.89% (14.6% + 3.29%), resulting in a maximum monthly contribution of €985.33. Including the 4.2% care insurance, the total monthly payment is €1,216.86.
4. DAK-Gesundheit: With a total rate of 17.4% (14.6% + 2.8%), the maximum monthly contribution is €958.17. Adding the 4.2% care insurance brings the total to €1,189.70 per month.
5. Kaufmännische Krankenkasse (KKH): KKH has a total contribution rate of 18.38% (14.6% + 3.78%), leading to a maximum monthly contribution of €1,013.34. With the care insurance, the total monthly amount is €1,244.87.
6. HEK – Hanseatische Krankenkasse: HEK’s total rate is 17.1% (14.6% + 2.5%), resulting in a maximum monthly contribution of €942.64. Including the care insurance, the total is €1,174.17 per month.
7. Sozialversicherung für Landwirtschaft, Forsten und Gartenbau (SVLFG): As a specialized provider, specific contribution rates may vary. Generally, with the standard rates, the maximum contributions would align with the general calculations, totaling approximately €1,174.17 per month, including care insurance.
8. IKK classic: With a total contribution rate of 18.0% (14.6% + 3.4%), the maximum monthly contribution is €992.25. Adding the 4.2% care insurance brings the total to €1,223.78 per month.
These figures are based on the 2025 income ceiling of €5,512.50 per month and the respective contribution rates. The long-term care insurance rate for childless members is uniformly 4.2% across all providers. Please note that actual contributions may vary based on individual circumstances and specific provider policies.
Sources:
• Bundesgesundheitsministerium – Beiträge der gesetzlichen Krankenversicherung
• GKV-Spitzenverband – Beitragssätze der Pflegeversicherung
• Zusatzbeitrag.net – Zusatzbeiträge 2025
• GesetzlicheKrankenkassen.de – Aktuelle Zusatzbeiträge
Stiftung Warentest
ARAG Achieves Top Marks from Stiftung Warentest: A Closer Look at Award-Winning Private Health Insurance Plans
In the ever-competitive world of private health insurance, finding a plan that offers comprehensive coverage without breaking the bank is a common challenge for many. Fortunately, the recent Stiftung Warentest report brings great news for those considering private health insurance in Germany. ARAG, a leading provider, has been distinguished with top ratings, showcasing its commitment to delivering superior health insurance solutions.
ARAG’s Outstanding Performance:
In a thorough comparison of various health insurance tariffs, ARAG stood out by securing “Very Good” ratings in several critical categories. These ratings were awarded based on extensive evaluations of coverage quality, customer service excellence, and cost-efficiency.
Highlighted Tariff Combinations for Different Demographics:
• Employees: The ARAG MedBest (MB0, KTV42, PVN) and MedExtra (ME0, KTV42, PVN) plans offer robust coverage without any deductible, making them ideal for employees seeking comprehensive benefits with straightforward pricing.
• Civil Servants: For civil servants, ARAG provides specialized options like BeihilfeBest with room choices ranging from single (BHB30, BHB20T, BHK30, BHK20T, BH1, BHEB50, PVB) to double (BHB30, BHB20T, BHK30, BHK20T, BHEB50, PVB), ensuring tailored coverage that aligns with government allowances.
• Self-Employed: Self-employed individuals can benefit greatly from the MedBest (MB600, KTV42/150, PVN) and MedExtra (ME0, KTV42, PVN) tariffs, which offer comprehensive coverage tailored to the unique needs of entrepreneurs.
What Makes ARAG’s Plans Superior?
ARAG’s health insurance plans are designed not only to meet but exceed the level of coverage provided by statutory health insurance (GKV)*. They offer faster access to specialists, higher reimbursement rates for medical treatments, and better provisions for dental care, alternative treatments, and international travel coverage.
Conclusion:
Choosing the right health insurance is crucial, and with ARAG’s award-winning plans, you can be assured of getting top-tier health coverage recognized by Germany’s leading consumer testing organization, Stiftung Warentest. Whether you’re self-employed, a civil servant, or an employee, ARAG has a plan that can be customized to fit your health needs perfectly.
*“Gesetzliche Krankenversicherung” (GKV) translates as “Statutuory Health Insurance” or “Public Health Insurance”.
Ready whenever you are
Ready to Get Started?
Address
Hans-Urmiller-Ring 35
82515 Wolfratshausen
Phone
+49-(0)176-83087851
gs.oberland@arag.de