{"id":13171,"date":"2025-05-23T11:33:29","date_gmt":"2025-05-23T03:33:29","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13171"},"modified":"2026-02-19T17:35:33","modified_gmt":"2026-02-19T09:35:33","slug":"international-health-insurance-in-germany","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-germany.html","title":{"rendered":"Health Insurance in Germany for Expats: Public vs Private Plans"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Expats living in Germany must have health insurance by law. Those earning under \u20ac69,300 annually are required to enroll in the public statutory health system, while higher earners can choose between public and private insurance plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance options for expats in Germany include the government-backed statutory plan and a range of <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\">international health insurance<\/a> providers. Your income level determines eligibility, and both systems offer access to comprehensive healthcare services throughout the country.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This Pacific Prime blog post is meant for you! We are going to discuss the German healthcare system and the types of health insurance available to expats: both public and private. We\u2019ll also talk about health insurance costs in Germany, and share tips on saving money on insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Please <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">reach out to our insurance experts<\/span><\/a><span style=\"font-weight: 400;\"> with the questions you have, and explore insurance quotes online. Our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">free insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\"> is a tool that helps you compare several private insurance companies side by side and their various plans.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Is Health Insurance Mandatory for Expats in Germany?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21757 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-in-berlin-under-a-clear-sky.webp\" alt=\"Image of Brandenburg Gate In Berlin Under A Clear Sky with text overlay of &quot;Is Health Insurance Mandatory for Expats in Germany?&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-in-berlin-under-a-clear-sky.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-in-berlin-under-a-clear-sky-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-in-berlin-under-a-clear-sky-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-in-berlin-under-a-clear-sky-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-in-berlin-under-a-clear-sky-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><b>All residents of Germany are required to have health insurance, including expats<\/b><span style=\"font-weight: 400;\">. This is due to the <\/span><a href=\"https:\/\/www.bundesverfassungsgericht.de\/SharedDocs\/Entscheidungen\/EN\/2009\/06\/rs20090610_1bvr070608en.html#:~:text=It%20makes%20statutory%20or%20private%20health%20insurance%20compulsory%20for%20all%20inhabitants%20of%20Germany.\"><span style=\"font-weight: 400;\">Health Insurance Compulsory Law made in 2009<\/span><\/a><span style=\"font-weight: 400;\"> (<\/span><i><span style=\"font-weight: 400;\">Gesetzliche Krankenversicherung \u2013 GKV<\/span><\/i><span style=\"font-weight: 400;\">). To apply for a residence permit, you will need to secure health insurance that meets the law.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats moving to Germany from the United States do not need a visa to enter Germany. However, if you plan to live there for more than 90 days, <\/span><a href=\"https:\/\/digital.diplo.de\/navigator\/en\/visa#\/vib:~:text=You%20do%20not,coming%20to%20Germany.\"><span style=\"font-weight: 400;\">you are required to apply for a residence permit<\/span><\/a><span style=\"font-weight: 400;\">. If you want to work in Germany, you will need to apply for a work visa or residence permit as well.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How the German Healthcare System Works for Expats<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The German healthcare system divides treatments into inpatient and outpatient services. Inpatient care is typically defined as care given to a patient who spends a night in the hospital, while outpatient care is service given by a general practitioner in a clinic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It can also include hospital care that doesn\u2019t require an overnight stay. There are a few unique <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/germany-health-insurance-pacific-prime-international\/#:~:text=Healthcare%20for%20expats%20in%20Germany\"><span style=\"font-weight: 400;\">exceptions to the inpatient and outpatient definitions<\/span><\/a><span style=\"font-weight: 400;\"> as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The German healthcare system highly values letting individuals choose who their providers are, both medical physicians and insurance providers. For that reason, there are many insurers under both the public and private health insurance categories.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Public and Private Health Insurance Options for Expats<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The German healthcare system can be broken down into two types of health insurance providers: public insurance, also known as statutory insurance, and private insurance. Most individuals use statutory insurance, but if you make more than \u20ac69,300 (about USD $74,232), you may prefer private insurance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What Expats Should Know About Public Health Insurance<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/germany-health-insurance-pacific-prime-international\/#:~:text=all%20to%20secure%3A-,Statutory%20insurance,-Also%20referred%20to\"><span style=\"font-weight: 400;\">Statutory public health insurance<\/span><\/a><span style=\"font-weight: 400;\"> in Germany is a mandatory scheme for all residents, including expats. <\/span><b>14.6% of your income funds<\/b><span style=\"font-weight: 400;\">, split by both you and your employer, are automatically contributed to your insurance coverage. This grants you access to healthcare in almost all hospitals and clinics.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">About <\/span><b>92% of all German residents<\/b><span style=\"font-weight: 400;\"> are protected by statutory health insurance. Those who do not use public insurance are insured through a private insurance company since everyone is required to have coverage.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-61' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-europe-bg.png');\n\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Europe -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-europe-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Europe<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 70px; height: 70px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\" alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Europe ends --><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below is a chart that can give you an idea of some of the common health insurance benefits included in a statutory insurance plan in Germany for expats.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h4><strong>Public Health Coverage Benefits in Germany<\/strong><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td><strong>Coverage<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Emergency Care<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Rehabilitation<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Inpatient Hospitalization<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Doctors and Specialists<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Prescription Medications<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Vaccinations<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Mental Health Services<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Maternity Care<\/td>\n<td>Partially<\/td>\n<\/tr>\n<tr>\n<td>Vision Care<\/td>\n<td>Partially<\/td>\n<\/tr>\n<tr>\n<td>Dental Care<\/td>\n<td>Partially<\/td>\n<\/tr>\n<tr>\n<td>Sexual and Reproductive Health<\/td>\n<td>Partially<\/td>\n<\/tr>\n<tr>\n<td>Alternative Medicines<\/td>\n<td>Depends on Insurer<\/td>\n<\/tr>\n<tr>\n<td>Treatment Abroad<\/td>\n<td>Depends on Insurer<\/td>\n<\/tr>\n<tr>\n<td>Sick Leave<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Private Insurance in Germany: A Guide for Expats<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Individuals in Germany who <\/span><b>make more than \u20ac69,300 in a year (as of 2024)<\/b><span style=\"font-weight: 400;\"> may want to opt out of statutory insurance and get a <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/germany-health-insurance-pacific-prime-international\/#:~:text=statutory%20health%20insurance.%22-,Private%20insurance,-As%20statutory%20insurance\"><span style=\"font-weight: 400;\">private insurance plan<\/span><\/a><span style=\"font-weight: 400;\">. This may help you save money since the percentage of your income that would be put into a statutory plan would exceed the premium of a private plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the scenarios for individuals who may qualify to opt out of statutory insurance and get private insurance instead:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>high-income earner<\/b><span style=\"font-weight: 400;\"> who is making more than \u20ac69,300 in a year (about $74,232)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>self-employed<\/b><span style=\"font-weight: 400;\"> expat or freelancer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>civil servant<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>student <\/b><span style=\"font-weight: 400;\">over the age of 30<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many private health insurance plans offer coverage worldwide. This would grant you coverage benefits even when <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/#:~:text=Coverage%20Across%20Different%20Countries\"><span style=\"font-weight: 400;\">traveling outside of your country of residence<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-31' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_2.jpg\" alt=\"Blog Banner Europe 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below is a chart that can give you an idea of some of the common health insurance benefits included in a private insurance plan in Germany for expats.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h4 style=\"text-align: center;\"><strong>Private Health Coverage Benefits in Germany<\/strong><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td><strong>Coverage<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Emergency Care<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Rehabilitation<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Inpatient Hospitalization<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Doctors and Specialists<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Prescription Medications<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Vaccinations<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Mental Health Services<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Maternity Care<\/td>\n<td>Depends on Insurer<\/td>\n<\/tr>\n<tr>\n<td>Vision Care<\/td>\n<td>Optional Add-On<\/td>\n<\/tr>\n<tr>\n<td>Dental Care<\/td>\n<td>Optional Add-On<\/td>\n<\/tr>\n<tr>\n<td>Outpatient Care<\/td>\n<td>Optional Add-On<\/td>\n<\/tr>\n<tr>\n<td>Emergency Evacuation<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Repatriation of Remains<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Treatment Abroad<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Cancer Care<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Surgeries<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Therapies<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>Preventative Care<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">To see actual plans and get quotes, use our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">easy insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">. It\u2019s available to you anytime and can help you <\/span><a href=\"https:\/\/www.pacificprime.com\/online-quotation-tool-tutorial\/#:~:text=Here%20you%20can%20create%20an%20account%20so%20that%20you%20can%20save%20your%20information%20and%20quotes%20to%20check%20back%20on%20them%20quickly%20and%20easily%20the%20next%20time%20you%20use%20the%20tool.\"><span style=\"font-weight: 400;\">save your favorite plans<\/span><\/a><span style=\"font-weight: 400;\"> for later comparison!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-32' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_3.jpg\" alt=\"Blog Banner Europe 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who Can Choose Between Public and Private Insurance?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats in Germany are required to have statutory health insurance (public) unless they are high-income earners. If they make more than \u20ac69,300 in a year (in 2024), expats can choose between staying on the public plan, switching to a private health insurance plan, or having a combination of both.<\/span><\/p>\n<p><b>Expats can choose between three German health insurance options:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Statutory health insurance\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private health insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A combination of both<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">It is important to note, however, that after you opt out of the statutory plan, it can be very difficult to switch back.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-33' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_4.jpg\" alt=\"Blog Banner Europe 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Health Insurance Costs in Germany for Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21759 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ulm-cityscape-with-ulm-minster-and-red-roofed-buildings-by-the-river.webp\" alt=\"Image of Ulm Cityscape With Ulm Minster And Red-roofed Buildings By The River with text overlay of &quot;Health Insurance Costs in Germany for Expats&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ulm-cityscape-with-ulm-minster-and-red-roofed-buildings-by-the-river.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ulm-cityscape-with-ulm-minster-and-red-roofed-buildings-by-the-river-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ulm-cityscape-with-ulm-minster-and-red-roofed-buildings-by-the-river-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ulm-cityscape-with-ulm-minster-and-red-roofed-buildings-by-the-river-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ulm-cityscape-with-ulm-minster-and-red-roofed-buildings-by-the-river-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><b>Public health insurance in Germany will cost expats 14.6% of their income<\/b><span style=\"font-weight: 400;\">. A private international health insurance plan can cost <\/span><b>as low as USD $33 a month<\/b><span style=\"font-weight: 400;\"> if you get the Standard plan from Morgan Price International. Premiums can increase the more benefits you add depending on your insurer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following chart displays the public health insurance cost for expats in Germany.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3 style=\"text-align: center;\">Public Health Insurance Costs in Germany for Expats<\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td>Health Insurance Plan<\/td>\n<td>Cost<\/td>\n<\/tr>\n<tr>\n<td>Statutory Insurance (Public)<\/td>\n<td>14.6% of your income (shared between you and your employer)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The following chart compares several private health insurance plans and their costs for expats in Germany.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These estimates are for a 30-year-old living in Germany for over a year. These plans include coverage for inpatient care, emergency evacuation, and emergency repatriation.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"4\">\n<h3 style=\"text-align: center;\">Private Health Insurance Costs in Germany for Expats<\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td>Insurance Provider<\/td>\n<td>Plan Name<\/td>\n<td>Monthly Cost in USD<\/td>\n<td>Monthly Cost in EUR<\/td>\n<\/tr>\n<tr>\n<td>Morgan Price International<\/td>\n<td>Standard<\/td>\n<td>$33<\/td>\n<td>\u20ac30.78<\/td>\n<\/tr>\n<tr>\n<td>NOW Health International<\/td>\n<td>SimpleCare Core<\/td>\n<td>$40<\/td>\n<td>\u20ac37.31<\/td>\n<\/tr>\n<tr>\n<td>AXA<\/td>\n<td>Standard<\/td>\n<td>$45<\/td>\n<td>\u20ac41.97<\/td>\n<\/tr>\n<tr>\n<td>A+ International<\/td>\n<td>Plan 1<\/td>\n<td>$59<\/td>\n<td>\u20ac55.02<\/td>\n<\/tr>\n<tr>\n<td>April International<\/td>\n<td>Emergency<\/td>\n<td>$60<\/td>\n<td>\u20ac55.94<\/td>\n<\/tr>\n<tr>\n<td>Allianz Care<\/td>\n<td>Classic<\/td>\n<td>$80<\/td>\n<td>\u20ac74.59<\/td>\n<\/tr>\n<tr>\n<td>VUMI<\/td>\n<td>Direct VIP<\/td>\n<td>$92<\/td>\n<td>\u20ac85.77<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">You can see these plans and quotes yourself on our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">easy insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">! If you\u2019d like additional benefits that are included in these estimates, you can plug your needs into the generator or <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">talk to an insurance expert<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-67' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_Europe.png\" alt=\"Insurers recommendation blog banner Europe v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Europe - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Europe\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Use a Broker to Buy Health Insurance in Germany<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats can use an insurance broker to get international health insurance in Germany. By doing this, they gain an intermediary who negotiates with the provider on their behalf, who knows the international insurance market, who compares plans with other top providers, and who works at no charge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you considering going directly to the insurance provider? Here\u2019s why a broker might better serve your needs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Brokers are not loyal to any particular insurer<\/b><span style=\"font-weight: 400;\">: Going directly to an insurer means they\u2019ll recommend only their products and services, which may not necessarily be the best plan out there to meet your needs and budget.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On the contrary, brokers work with a range of different insurers and can give you a tailored plan comparison of all your options on the market.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Brokers provide many value-added services<\/b><span style=\"font-weight: 400;\">: In addition to helping you find a suitable plan, brokers also tend to help you fill out insurance forms, liaise with insurers, and negotiate the best terms, as well as file claims for reimbursement and renew a plan.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This level of support and assistance is particularly important if you\u2019re new to the world of insurance in Germany and don\u2019t understand insurance jargon.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Brokers don\u2019t charge extra<\/b><span style=\"font-weight: 400;\">:<\/span> <span style=\"font-weight: 400;\">The cost to you is the same as going directly to the insurer! Many insurers rely on brokers to help them sell their insurance products so they don\u2019t tend to offer any extra discounts or lower premiums if you go directly to them.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As such, it makes sense to go to a broker as you\u2019ll pay the same amount AND benefit from the aforementioned impartial advice and value-added services!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-34' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_5.jpg\" alt=\"Blog Banner Europe 5\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime is a leading global insurance broker that has helped over 1.5 million global travelers and expats secure health insurance. We have a robust global presence and solid partnerships with dynamic insurance providers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We know insurance, and we know expats.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learn more about <\/span><a href=\"https:\/\/www.pacificprime.com\/pp-profile\/about\/\"><span style=\"font-weight: 400;\">how Pacific Prime can benefit you<\/span><\/a><span style=\"font-weight: 400;\"> and help you secure the best insurance for your needs and budget. To get an insurance plan through us, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">fill out our contact form<\/span><\/a><span style=\"font-weight: 400;\">, and we\u2019ll be in touch!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Ways Expats Can Lower Health Insurance Costs in Germany<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A few tips for expats to save money on health insurance in Germany include getting a higher deductible, supplementing your insurance plan, seeking a broker\u2019s opinion, getting insurance while you\u2019re young, and staying up to date on well-checks.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get Higher Deductibles<\/b><span style=\"font-weight: 400;\">: If your insurance plan has a higher deductible, then your premium will often be lower. However, this does mean that you are committing to pay a higher amount in deductibles if you develop health needs, so make sure you can afford it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Supplement Your Insurance Plan<\/b><span style=\"font-weight: 400;\">: You can choose to get a basic health insurance plan instead of an expensive comprehensive one and supplement it with additional benefits, like dental, vision, maternity, and mental health care.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seek a Broker\u2019s Opinion<\/b><span style=\"font-weight: 400;\">: It can be wise to consult an insurance broker prior to purchasing any plan so you can make sure you are getting the best deal in the current market. Speaking with a professional who knows Germany and international insurance can save you money!<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get Insurance While You\u2019re Young<\/b><span style=\"font-weight: 400;\">: When we are younger, we typically have better health. This means fewer chronic conditions that cost more money. This is important because if you have an established provider before you age and develop health conditions, you will still be covered.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">However, if you seek insurance later on, providers may not cover certain conditions if they consider them \u201cpre-existing.\u201d<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stay Up to Date on Well-Checks<\/b><span style=\"font-weight: 400;\">: It is so important to get all of your preventative treatments done. This includes well-checks, vaccinations, lab work, and cancer testing. When you utilize all your covered preventive care benefits, it can prevent illnesses or conditions that will cost you lots more money!<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you\u2019d like more tips on how to save money on your German health insurance, read our article with <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/new-video-on-how-to-reduce-health-insurance-premiums.html#:~:text=7%20tips%20on%20reducing%20your%20health%20insurance%20premiums%20in%202021\"><span style=\"font-weight: 400;\">7 tips to reduce health insurance premiums<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-30' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_1.jpg\" alt=\"Blog Banner Europe 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">How do expats get health insurance in Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats who earn less than \u20ac69,300 a year (as of 2024) will set up public health insurance through the German statutory scheme. This will be coordinated with your employer. Expats whose income exceeds this limit can get insurance through a private provider. Consult a broker\u2019s opinion as you choose.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What if you live in Germany but don\u2019t have health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">German residents who don\u2019t have health insurance are breaking the law; this includes foreign expats. If this is the case for you, your residence permit may be denied, you\u2019ll have difficulty getting healthcare, and you risk being charged a fine of up to 14 months of health insurance contributions.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is private health insurance a good option for expats in Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expatriates in Germany who earn more than \u20ac69,300 a year (as of 2024) may prefer private insurance because it will save them money on premiums and it can increase their healthcare service. Your insurance plans may be more comprehensive, and you can seek treatment in higher-quality facilities.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion: The Best German Private Insurance Providers<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We\u2019ve now talked all about the German healthcare system and the public and private types of health insurance available there. If you\u2019re an expat, you\u2019ll want to first determine what your income is and if you are required to have statutory insurance or not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you earn more money than the limit, you may consider looking into private health insurance providers instead. If you are interested in private insurance, consider these top worldwide providers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/now-health\/\"><span style=\"font-weight: 400;\">NOW Health International<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you found value in this article, you\u2019ll also want to read our blog posts <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/travel-insurance-extreme-sports-insurance.html\"><span style=\"font-weight: 400;\">Extreme Sports Insurance: Staying Safe While Adventuring<\/span><\/a><span style=\"font-weight: 400;\"> and <a href=\"https:\/\/www.pacificprime.com\/blog\/travel-insurance-ensuring-emergency-evacuation-coverage.html\">Medivac Insurance: Ensuring Emergency Evacuation Coverage<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll also want to explore the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-in-germany.html\"><span style=\"font-weight: 400;\">best places to live in Germany<\/span><\/a><span style=\"font-weight: 400;\"> before your move! Safe travels!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expats living in Germany must have health insurance by law. Those earning under \u20ac69,300 annually are required to enroll in the public statutory health system, while higher earners can choose between public and private insurance plans. 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