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Complete guide
Private Health Insurance in Germany (PKV)
Everything you need to know: how PKV works, who qualifies, what it costs, top providers, and how to get covered. Updated for 2026.
Read the full guide →PKV guides
Who qualifies for PKV?
Income threshold, employment types, and age factors explained.
Read guide → PKV costs in 2026
Real monthly premiums by age, income, and plan level.
Read guide → How to switch from GKV
Step-by-step: notice periods, timing, and common mistakes.
Read guide → PKV for freelancers
Why self-employed people usually pay far less with PKV.
Read guide → Top insurers reviewed
Debeka
Best for civil servants & families
Read review → Allianz
Premium coverage, strong network
Read review → DKV
Largest private insurer in Germany
Read review → HanseMerkur
Great for expats, flexible plans
Read review → Signal Iduna
Competitive rates, good service
Read review → AXA
International-friendly, digital-first
Read review → What expats say
★★★★★
"I was paying €540/month for GKV. After switching to PKV I pay €240/month. Same doctor, better coverage. Wish I'd done it sooner."
★★★★★
"As a freelancer I had no idea I could switch. The broker handled everything in English. It took two weeks and I save €280/month."
★★★★★
"The eligibility quiz told me I qualified instantly. The guide explained the differences better than my German colleagues ever could."
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