Answer 5 quick questions to find out if you're eligible for private health insurance in Germany — and whether it makes financial sense for you.
Question 1 of 5
What is your employment status in Germany?
What is your gross annual income?
The PKV income threshold in 2025 is €73,800/year (€6,150/month).
How old are you?
Do you have dependants covered by your current insurance?
In GKV, dependants (spouse, children) can be insured for free. In PKV, each person needs their own policy.
How would you describe your current health?
PKV looks like a strong fit for you
Based on your answers, you appear to meet the eligibility requirements for private health insurance in Germany and could benefit financially from switching.
As a student, the standard student GKV tariff (around €120/month) is usually the better choice. There are special student PKV tariffs, but they're rarely more economical.