Switch to PKV in 3 steps
Check your eligibility
Answer 5 quick questions about your employment, income, and age. Takes 2 minutes. Instant result.
Take the quiz →Get matched with a broker
A §34d licensed broker who speaks English reviews your profile and compares quotes from all major PKV insurers.
Book a free call →Switch and start saving
Your broker handles all the paperwork. Policies typically start within 2–4 weeks of your application.
See what you need →Private insurance, not a luxury
For expats above the income threshold, PKV usually delivers better healthcare at a lower monthly cost. Here is why.
Full PKV guide →Premium is fixed by your age at entry — not your income. At €70k, you pay half of what GKV costs.
Private room in hospital. Choose any specialist directly, no GP referral. Shorter waiting times.
Brokers and several insurers offer full English-language service. No German required.
Entry age determines your base premium for life. Every year you wait costs more in the long run.
Understand your options before you commit
Eligibility Quiz
5 questions to find out if you qualify for PKV and whether it makes financial sense for you.
Check eligibility →Cost Calculator
Enter your age, income, and health status to get a realistic PKV premium range.
Calculate costs →GKV vs PKV
Full comparison of Germany's public and private health insurance systems for expats.
Compare now →Application Checklist
All documents you need to apply for PKV, in the right order.
View checklist →All major PKV insurers, independently reviewed
Real people, real savings
"I was paying €540/month for GKV. After switching to PKV I pay €240/month. Same doctor, better room in hospital. Wish I had done it in my first year."
"As a freelancer I had no idea I could switch. The broker handled everything in English. It took two weeks and I now save €280/month."
"The guide explained the differences better than my German colleagues ever could. The broker found me a plan that costs half my old GKV contribution."
Find out how much you could save
A licensed §34d broker will review your situation, compare quotes from all major PKV insurers, and give you a clear recommendation. Free of charge, in English, no obligation.