How Much Does Health Insurance Cost in Germany?
The average annual premium cost for international health insurance in 2024 in Germany was USD $4,307 for individuals and USD $11,859 for families. This proprietary data was collected from actual Pacific Prime expat customers who purchased international health insurance.
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Are you trying to secure private international health insurance before your big move to Germany but are unsure how much it should cost? Do you want to make sure you aren’t paying too much for your healthcare coverage? This article outlines the data you need to make an informed decision.
In this article, you’ll find our privately collected statistics on health insurance premiums over the years to help you plan for the cost of your plan. We’ll also compare Germany’s costs to the rest of Europe and give ideas on how to save money.
After you’ve finished this article, head to our guide on the best expat international health insurance in Germany to compare top plans and to learn more about Germany’s healthcare system.
Cost of Health Insurance in Germany for Individuals
The average cost of international health insurance for individuals moving to Germany was USD $4,307 (or about EUR 3,673) in 2024, according to proprietary data collected from expat customers of Pacific Prime. Costs can vary depending on age, health history, and coverage preferences.
Inflation has caused an increase in the overall cost of individual international health insurance plans over several years. Costs were as low as USD $3,599 in 2019 (about EUR 3,069) and USD $3,565 (about EUR 3,040) in 2020.
Look at the table below to see how the cost of insurance has changed for expats in Germany:
Germany’s Annual Premiums for Individual Health Insurance |
|
| Year | Average Annual Premium (USD/EUR) |
| 2024 | $4,307 (about EUR 3,673.31) |
| 2023 | $4,279 (about EUR 3,649.43) |
| 2021 | $3,751 (about EUR 3,199.12) |
| 2020 | $3,565 (about EUR 3,040.48) |
| 2019 | $3,599 (about EUR 3,069.48) |
Cost of Health Insurance in Germany for Families
Family international health insurance plans cost more than individual plans, with average annual premiums for expats in Germany reaching USD $11,859 (about EUR 10,114) in 2024. This average comes from proprietary data gathered from Pacific Prime’s customers.
We’ve outlined the inflation costs of international family health insurance plans since 2019:
Germany’s Annual Premiums for Family Health Insurance |
|
| Year | Average Annual Premium (USD/EUR) |
| 2024 | $11,859 (about EUR 10,114.19) |
| 2023 | $11,457 (about EUR 9,771.33) |
| 2022 | $11,804 (about EUR 10,067.28) |
| 2021 | $10,105 (about EUR 8,618.25) |
| 2021 | $10,105 (about EUR 8,618.25) |
| 2020 | $9,780 (about EUR 8,341.07) |
| 2019 | $10,616 (about EUR 9,054.07) |
Germany’s Cost of Health Insurance Compared to Europe
Germany’s individual international health insurance costs are on par with middle-range costs across other European countries. The UK has the most expensive coverage, at USD $5,770 (about EUR 4,926) per year, while Poland claims the least expensive spot at USD $3,900 (about EUR 3,329) per year.
See our data from real customer costs to help you compare the average individual premiums across Europe in 2024:
A Comparison of Germany’s Individual Insurance Costs to Europe Costs |
|
| Country | 2024 Average Annual Premium (USD/ EUR) |
| Germany | $4,307 (about EUR 3,677.27) |
| UK | $5,770 (about EUR 4,926.36) |
| Switzerland | $5,532 (about EUR 4,723.16) |
| Portugal | $4,638 (about EUR 3,959.87) |
| Greece | $4,859 (about EUR 4,148.56) |
| Russia | $4,849 (about EUR 4,140.02) |
| Ireland | $4,697 (about EUR 4,010.25) |
| Spain | $5,193 (about EUR 4,411.61) |
| Austria | $4,462 (about EUR 3,809.61) |
| Finland | $4,391 (about EUR 3,748.99) |
| Ukraine | $4,316 (about EUR 3,684.95) |
| Italy | $4,620 (about EUR 3,944.50) |
| Bulgaria | $4,264 (about EUR 3,640.55) |
| Serbia | $4,264 (about EUR 3,640.55) |
| Sweden | $4,261 (about EUR 3,637.99) |
| France | $4,213 (about EUR 3,597.01) |
| Denmark | $4,202 (about EUR 3,587.62) |
| Norway | $4,170 (about EUR 3,560.30) |
| Hungary | $4,143 (about EUR 3,537.25) |
| Czech Republic | $4,141 (about EUR 3,535.54) |
| Romania | $4,074 (about EUR 3,478.34) |
| Croatia | $4,074 (about EUR 3,478.34) |
| Slovakia | $4,074 (about EUR 3,478.34) |
| Netherlands | $4,071 (about EUR 3,475.77) |
| Poland | $3,900 (about EUR 3,329.78) |
Average family insurance costs in Germany compare to mid-range expenses across Europe. The UK tops the charts again at about USD $15,936 (about EUR 13,602), while Poland still enjoys the lowest prices at about USD $10,710 (about EUR 9,141).
We’ve input our data from Pacific Prime expat customers who moved to Europe and purchased family international health insurance plans in 2024. Compare the average individual premiums across Europe in 2024:
A Comparison of Germany’s Family Insurance Costs to Europe Costs |
|
| Country | 2024 Average Annual Premium (USD/EUR) |
| Germany | $11,859 (about EUR 10,122.66) |
| Switzerland | $15,359 (about EUR 13,110.21) |
| UK | $15,936 (about EUR 13,602.73) |
| Portugal | $12,828 (about EUR 10,949.79) |
| Greece | $13,487 (about EUR 11,512.30) |
| Russia | $13,260 (about EUR 11,318.54) |
| Ireland | $12,970 (about EUR 11,071.00) |
| Spain | $14,417 (about EUR 12,306.13 ) |
| Austria | $12,300 (about EUR 10,499.10) |
| Finland | $12,106 (about EUR 10,333.50) |
| Italy | $12,798 (about EUR 10,924.18) |
| Ukraine | $11,779 (about EUR 10,054.38) |
| France | $11,597 (about EUR 9,899.03 ) |
| Serbia | $11,742 (about EUR 10,022.80) |
| Bulgaria | $11,742 (about EUR 10,022.80) |
| Sweden | $11,731 (about EUR 10,013.41) |
| Hungary | $11,412 (about EUR 9,741.11) |
| Denmark | $11,582 (about EUR 9,886.22) |
| Czech Republic | $11,399 (about EUR 9,730.02) |
| Norway | $11,486 (about EUR 9,804.28) |
| Netherlands | $11,196 (about EUR 9,556.74) |
| Romania | $11,217 (about EUR 9,574.66) |
| Croatia | $11,217 (about 9,574.66) |
| Slovakia | $11,217 (about EUR 9,574.66) |
| Poland | $10,710 (about EUR 9,141.90) |
Tips to Help Expats Save Money on Insurance in Germany
Expats moving to Germany should consider how copays, deductibles, and annual maximums affect their overall costs. Expats should also apply as soon as possible, consider their health history and lifestyle, and see if they qualify for public insurance coverage to save money.
How Copays, Deductibles, and Annual Maximums Affect Premium Costs
Prioritize finding a plan that meets your medical history and lifestyle, not one that just offers the lowest price. Copays, deductibles, and annual maximums can all affect your premium and offer you flexible payment options to ensure you get the benefits you need.
- Copays and Deductibles: Expats who want comprehensive international coverage but who are generally healthy can choose a plan with a higher copay or deductible. Copays can lower premiums by increasing the percentage expats pay for treatment. Similarly, a higher deductible results in a lower premium.
- Annual Maximums: Choosing a lower maximum level of coverage for certain benefits can significantly lower the plan’s premium.
Other Key Considerations for Lowering Premium Costs
Expats who carefully evaluate their lifestyle can strategically lower the cost of international health insurance premiums.
- Apply Early: Generally, insurance companies offer younger individuals coverage at a more reasonable price than older individuals since younger people tend to have fewer health complications. Lock into a plan as quickly as possible to enjoy the benefits.
- Consider Health History: Consider whether you have pre-existing conditions or a family history of diseases that would require coverage beyond basic care. Some plans exclude coverage for pre-existing conditions, require a waiting period, or only cover them at a higher premium.
- Choose Regional Plans: Expats who don’t plan to travel extensively or who only plan to visit certain regions may be able to exclude certain areas from coverage and thus lower their premium.
- Check for Public Insurance Coverage: Most expats will need private insurance coverage to receive their visas to Germany, but those expats who work for German companies may qualify for the country’s statutory insurance.
Frequently Asked Questions
What kind of health insurance do I need for Germany?
Expats applying for long-term visas to Germany must purchase private health insurance that meets Germany’s standards in order to get visa approval. International health insurance is a top choice for expats looking to meet these mandates.
Can expats get healthcare in Germany?
Citizens and residents in Germany are entitled to medically necessary healthcare free of charge if they are insured under statutory health insurance or private insurance. Statutory health insurance in Germany is determined through employment.
How can expats get health insurance in Germany?
Expats who earn less than €69,300 a year as of 2024 can get public health insurance through Germany’s statutory scheme, which is arranged by your employer. Expats whose income exceeds this limit can opt out of statutory coverage in favor of private plans.
What is the best health insurance for people living abroad in Germany?
International health insurance is tailored to meet the unique needs of expats living abroad. It provides bespoke, worldwide coverage so you can pick a plan that best meets your lifestyle and budget.
Conclusion
Expats preparing for their move abroad can now hopefully gauge how much their insurance will cost in Germany. They can see how inflation may affect costs and see how Germany’s price of medical insurance stacks up to other countries in Europe.
If you would like help comparing quotes and choosing a personalized plan, contact our expert brokers. They can fill you in about Germany’s healthcare system, help you secure a plan that fits your lifestyle, and even handle administrative tasks after you’ve purchased your plan.
Pacific Prime has over 25 years of experience as an international health insurance brokerage helping global citizens find and secure medical coverage across the globe. Give us a call at +1-800-868-1451.
Further reading:
- How Much Does Health Insurance Cost in Italy?
- How Much Does Health Insurance Cost in Japan?
- Health Insurance in Germany for Expats: Public vs. Private Plans
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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