ARAG Private Health Insurance in Germany – English Experts Consultation
Public Health Insurance vs. Private Health Insurance in Germany
Public Health Insurance vs. Private Health Insurance in Germany – Whats the Difference?
German Health Insurance Comparison: GKV vs. PKV – Benefits, Costs & Coverage
Comparison table showing the main differences between Germany’s public (GKV) and private (PKV) health insurance in 2025.
| Criteria | Public Health Insurance (GKV) | Private Health Insurance (PKV) |
|---|---|---|
| Premium Costs | Income-based (approx. 17-18% of gross salary) | Based on age, health, and selected plan |
| Coverage | Standard benefits regulated by law | Customizable plans, often superior coverage |
| Choice of Doctors | Limited to doctors accepting public insurance | Free choice, including private specialists |
| Hospital Stay | Standard care in multi-bed rooms | Choice of private or semi-private rooms, chief physician care |
| Treatment Methods | Only scientifically recognized treatments | Advanced treatments & alternative medicine |
| Family Coverage | Spouse & children covered at no extra cost | Each family member needs a separate policy |
| Premium Refunds | Not available | Possible if no claims are made |
| Age Reserves | None – contributions rise with overall system costs | Built-in reserves to stabilize premiums in old age |
| Premiums in Old Age | Increases due to government adjustments | More stable due to saved reserves or lower due to contribution relief component |
| Switching Options | Switch to private only if annual income > €73,800 (2025) or self-employed | Returning to public is only possible until age 55. |
The private health insurance (PKV) offers tailored benefits, better coverage, and premium refunds – ideal for the self-employed, high earners, and expats.
The public health insurance (GKV) is ideal for families with low incomes or for those who prefer simple administration.