{"id":26657,"date":"2025-11-27T02:39:26","date_gmt":"2025-11-26T18:39:26","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=26657"},"modified":"2026-01-01T16:37:00","modified_gmt":"2026-01-01T08:37:00","slug":"health-insurance-for-australians-in-germany","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-for-australians-in-germany.html","title":{"rendered":"Health Insurance for Australian Expats in Germany 2026 Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Australian expats living in Germany who make less than \u20ac73,800\/year (2026) are required to enroll in Germany\u2019s statutory public health insurance scheme. Foreign residents who have an income exceeding this limit can opt for private health insurance with more flexible and comprehensive benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an Australian moving to Germany soon? Need help finding the right health insurance for your needs?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will teach you how Germany\u2019s healthcare system works, what private health insurance options you have, how much to expect to pay for insurance in Germany, tips to save money, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We also recommend checking out the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-germany-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top international health insurance companies in Germany for expats<\/span><\/a><span style=\"font-weight: 400;\"> to find the best plan available.<\/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;\">Overview of Germany\u2019s Healthcare System: For Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26662 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-checking-on-masked-patient-in-hospital-room.webp\" alt=\"Image of Doctor Checking On Masked Patient In Hospital Room with text overlay of &quot;Overview of Germany\u2019s Healthcare System: For Expats&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-checking-on-masked-patient-in-hospital-room.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-checking-on-masked-patient-in-hospital-room-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-checking-on-masked-patient-in-hospital-room-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-checking-on-masked-patient-in-hospital-room-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-checking-on-masked-patient-in-hospital-room-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Germany\u2019s healthcare system provides high-quality, compulsory medical coverage, and Australian expats can access care through either the statutory public system (SHI) or private health insurance (PHI) from the moment they register as residents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Germany uses a dual insurance model that ensures broad access to medical services while maintaining strict regulation and consistent quality across the country. Most residents are enrolled in SHI, while higher-income earners, freelancers, and long-term residents may qualify for PHI instead.<\/span><\/p>\n<p><b>Key Features for Australian Expats:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong Public Coverage:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Germany\u2019s SHI system offers comprehensive benefits, including GP and specialist visits, hospital services, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity care<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurance-plans\/dental-health-insurance\/\"><span style=\"font-weight: 400;\">dental checkups<\/span><\/a><span style=\"font-weight: 400;\">, and preventive screenings.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reliable Medical Quality:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Germany ranks among Europe\u2019s highest-performing healthcare systems, with advanced facilities, specialized clinics, and uniform quality standards across public and private providers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Access to Wide Provider Networks:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Most SHI members can choose freely among doctors and hospitals, with minimal wait times and predictable out-of-pocket costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mandatory Enrollment Requirements:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Australian expats must secure compliant health insurance\u2014public or private\u2014before obtaining a residence permit, making early enrollment essential for legal residency.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Germany\u2019s system offers Australians a stable, affordable, and well-regulated healthcare environment, supporting a smooth transition to life abroad.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How Australia\u2019s Healthcare System Compares to Germany\u2019s<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Australia\u2019s healthcare system differs from Germany\u2019s in <\/span><b>funding, eligibility, <\/b><span style=\"font-weight: 400;\">and <\/span><b>insurance structure<\/b><span style=\"font-weight: 400;\">, and Australian expats should understand these contrasts because Germany requires mandatory public or private coverage for all legally residing foreigners.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Australia\u2019s Medicare model is tax-funded and universal, while Germany\u2019s system combines mandatory public insurance with optional private plans for eligible residents. These differences affect how Australians choose coverage, manage costs, and access medical services after relocating.<\/span><\/p>\n<p><b>Key Differences for Australian Expats:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Different Funding Models:<\/b><span style=\"font-weight: 400;\"> Australia funds Medicare through general taxes and a levy, whereas Germany relies on income-based contributions shared by employers and employees, creating predictable monthly costs for expats.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Shift in Eligibility Requirements:<\/b><span style=\"font-weight: 400;\"> Australians cannot rely on Medicare once they become long-term residents abroad, requiring enrollment in Germany\u2019s statutory or private insurance to meet visa and registration rules.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Role of Private Coverage:<\/b><span style=\"font-weight: 400;\"> Private insurance supplements Medicare in Australia but can fully replace public insurance in Germany, offering tailored benefits, faster appointments, and flexible deductibles for eligible expats.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Variations in Out-of-Pocket Costs:<\/b><span style=\"font-weight: 400;\"> Australians may encounter higher personal expenses in Germany for certain services, especially dental and specialist care, depending on the insurance plan chosen.<\/span><\/li>\n<\/ul>\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;\">Can Australian Expats Use Public Healthcare in Germany?<\/span><\/h2>\n<p><b>Australian expats can use <\/b><a href=\"https:\/\/www.gkv-spitzenverband.de\/english\/statutory_health_insurance\/statutory_health_insurance.jsp\"><b>Germany\u2019s public healthcare system<\/b><\/a><b> (SHI) if they meet eligibility requirements<\/b><span style=\"font-weight: 400;\">, and most employees, students, and certain long-term residents will qualify to join a statutory health fund after registering in Germany. This ensures full access to public medical services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Germany\u2019s SHI system is designed to cover the majority of residents, and Australians who fall under mandatory insurance rules must enroll in a public fund unless their income or employment category allows them to choose private insurance instead.<\/span><\/p>\n<p><b>Eligibility and Access for Australians:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Employment-Based Enrollment:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Australians employed by a German company are typically required to join SHI, with contributions automatically deducted from their salary and matched by their employer.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Access for Students:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Australian students enrolled at German universities can join discounted student SHI plans, which offer comprehensive and affordable public coverage throughout their studies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Freelancer Limitations:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Freelancers from Australia may not always qualify for SHI and may be directed toward <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/private-health-insurance-news\/\"><span style=\"font-weight: 400;\">private insurance<\/span><\/a><span style=\"font-weight: 400;\">, depending on their professional status and residence permit category.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dependents Included for Free:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">SHI family coverage allows non-earning dependents to be added at no extra cost, giving Australian families a cost-efficient way to maintain coverage.<\/span><\/li>\n<\/ul>\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<h2><span style=\"font-weight: 400;\">Private Germany Health Insurance for Australian Expats<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Private health insurance in Germany offers Australians additional flexibility, faster access, enhanced benefits, and tailored coverage. Many expats choose private plans when they are not eligible for public insurance or prefer these additional features. Private plans can meet visa requirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Australia\u2019s private cover mainly supplements Medicare, but in Germany, PHI can fully replace public insurance for qualified expats. Australians should understand when private insurance is necessary and how international providers compare with local German insurers.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why Australians Often Need Private Insurance<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Eligibility Restrictions:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Some Australians\u2014especially freelancers, language teachers, digital nomads, or new arrivals without German employment\u2014may not qualify for SHI and must choose private coverage to meet residency rules.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visa Compliance Requirements:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Private insurance must meet minimum coverage standards before Australians can obtain a residence permit, making compliant PHI essential for students, freelancers, and certain independent workers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Expanded Benefits:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Private health insurance may include private rooms, shorter wait times, full specialist access, dental upgrades, mental health support, and alternative medicine options valued by many Australian expats.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Local vs. International Private Providers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats in Australia wanting private health insurance can choose between local German insurers or international insurers who specialize in expat coverage.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Local German Insurers:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Local private health insurance companies often provide lower premiums and strong hospital networks, but contracts are usually in German and may include age-based premium increases or strict medical underwriting.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>International Insurers:<\/b><b><br \/>\n<\/b><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">International health insurance<\/span><\/a><span style=\"font-weight: 400;\"> providers offer English support, global coverage, overseas treatment options, and easier portability if Australians move again\u2014benefits that many expats prefer despite higher premiums.<\/span><\/li>\n<\/ul>\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;\">Average Cost of Medical Insurance in Germany<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Australian expats in Germany pay an average of <\/span><b>14\u201315% of their income <\/b><span style=\"font-weight: 400;\">for a public health insurance plan or <\/span><b>\u20ac300\u2013\u20ac450 monthly (~AUD $495\u2013$745) <\/b><span style=\"font-weight: 400;\">for a basic coverage private health insurance plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance costs in Germany vary depending on whether Australians join the public statutory system (SHI) or purchase private health insurance (PHI). Most expats can expect predictable contributions under SHI or wider price variation under PHI.<\/span><\/p>\n<p><b>Public insurance uses income-based contributions, while private plans depend on age, medical history, and coverage level<\/b><span style=\"font-weight: 400;\">. Australians should review both systems to understand which option provides the best value for their lifestyle and budget.<\/span><\/p>\n<p><b>Typical Monthly Costs for Australians<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Public Insurance (SHI): <\/b><span style=\"font-weight: 400;\">Most employed Australians pay approximately <\/span><b>14\u201315% of income, split with their employer<\/b><span style=\"font-weight: 400;\">. Students and certain categories may pay reduced fixed monthly rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Private Insurance (PHI): <\/b><span style=\"font-weight: 400;\">Basic private plans for expats often range between \u20ac300\u2013\u20ac450 monthly (~AUD $495\u2013$745), though the average ranges significantly depending on age and benefits. This gives Australians more flexibility but also greater cost variation.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\">\n<h3 style=\"text-align: center;\"><span style=\"font-weight: 400; color: #ffffff;\">Average Monthly Cost Estimates<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Insurance Type<\/b><\/td>\n<td><b>Cost in EUR (Monthly)<\/b><\/td>\n<td><b>Cost in AUD (Monthly)*<\/b><\/td>\n<td><b>Notes<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Public Insurance (SHI) for Employees<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac300\u2013\u20ac420<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~AUD $495\u2013$695<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Income-based; employer pays half<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Public Insurance (SHI) for Students<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac120\u2013\u20ac140<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~AUD $200\u2013$230<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Discounted statutory rates for university enrollment<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Private Insurance (Basic Tier)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac300\u2013\u20ac450<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~AUD $495\u2013$745<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Suitable for young, healthy Australians<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Private Insurance (Comprehensive Tier)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac500\u2013\u20ac850<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~AUD $825\u2013$1,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Expanded benefits, dental, and private rooms<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Private Insurance (International Plans)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac550\u2013\u20ac1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~AUD $910\u2013$1,650<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Includes global coverage and English support<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">*These averages help Australians compare expected monthly expenses before selecting either a local German or international plan that suits their needs. To get a personalized quote, use Pacific Prime\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">free insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">.<\/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;\">Recommended Insurance Providers in Germany for Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26665 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-landmark-in-central-berlin-germany.webp\" alt=\"Image of Brandenburg Gate Landmark In Central Berlin, Germany with text overlay of &quot;Recommended Insurance Providers in Germany for Expats&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-landmark-in-central-berlin-germany.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-landmark-in-central-berlin-germany-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-landmark-in-central-berlin-germany-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-landmark-in-central-berlin-germany-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-landmark-in-central-berlin-germany-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><b>AXA Global, Allianz Care, April International, Bupa, <\/b><span style=\"font-weight: 400;\">and <\/span><b>Cigna Global <\/b><span style=\"font-weight: 400;\">are our top recommended insurance providers for Australian expats living in Germany. Each of these are reputable international health insurance providers offering global coverage, customizable benefits, and English-language support.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are six of the most trusted insurers, all of which have strong reputations for serving expatriates across Europe and beyond. You can compare quotes from these and other top insurers with our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">AXA Global in Germany<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA Global<\/span><\/a><span style=\"font-weight: 400;\"> is one of the world\u2019s largest and most established insurance groups, headquartered in France with operations in over 50 countries, including a strong presence in Germany. The company serves more than <\/span><b>105 million clients globally<\/b><span style=\"font-weight: 400;\">, providing a range of health, life, and travel insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">AXA is ideal for Australians in Germany seeking reliable international coverage with flexible options for both private and corporate plans. Their German branch offers efficient customer service in English, digital claim management, and strong hospital networks across Europe.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats appreciate AXA\u2019s financial stability, prompt reimbursements, and broad global reach.<\/span><\/p>\n<p><b>Core Plans for Expats:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AXA Global Health Plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AXA International Exclusive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AXA Foundations Health Plan<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Allianz Care in Germany<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\">, founded in Munich in 1890, is one of Germany\u2019s most respected and internationally recognized insurers. It serves over <\/span><b>120 million customers worldwide<\/b><span style=\"font-weight: 400;\"> and offers some of the most comprehensive expatriate medical insurance plans on the market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For Australian expats, Allianz provides seamless access to healthcare both in Germany and abroad. Its global expat plans include international hospital coverage, medical evacuation, preventive care, and mental health services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The company\u2019s German roots ensure expats enjoy excellent local support and access to premium clinics within its extensive national network.<\/span><\/p>\n<p><b>Core Plans for Expats:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allianz Care Core<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allianz Care Classic<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allianz Care Premium<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">April International in Germany<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\"> is a France-based global insurer that specializes in health coverage for expatriates. Operating in over 180 countries, it has built a reputation for simplicity, flexibility, and multilingual service, making it especially appealing for Australians adjusting to life in Germany.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">April\u2019s expat health plans are known for their customizable benefits and modern digital management tools. Policyholders can manage reimbursements through a mobile app, access telemedicine, and receive assistance in English and French.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The insurer also offers coverage that extends outside the EU, which is useful for Australians traveling between Europe and North America.<\/span><\/p>\n<p><b>Core Plans for Expats:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">April MyHealth Essential<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">April MyHealth Comfort<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">April MyHealth Elite<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Bupa Global in Germany<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><span style=\"font-weight: 400;\">, headquartered in the UK, is a leader in international private medical insurance with <\/span><b>over 38 million customers in 190 countries<\/b><span style=\"font-weight: 400;\">. Known for its premium-level service and extensive global hospital network, Bupa offers expats a luxurious healthcare experience with top-level customer care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For Australians in Germany, Bupa stands out for its world-class hospital partnerships and strong emphasis on preventive and mental health services. Expats benefit from 24\/7 multilingual assistance, quick reimbursements, and the ability to receive treatment anywhere in the world.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This includes temporary visits back to Australia.<\/span><\/p>\n<p><b>Core Plans for Expats:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bupa Global Select<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bupa Global Premier<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bupa Global Elite<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Cigna Global in Germany<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\"> is a U.S.-based health insurance leader with over <\/span><b>180 million customer relationships<\/b><span style=\"font-weight: 400;\"> across more than 200 markets. The insurer is widely regarded among expats for its flexibility, global support infrastructure, and easy online policy management.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Australian expats in Germany appreciate Cigna\u2019s customizable global health plans, which allow them to add modules like dental, vision, outpatient care, or maternity benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s strong international provider network and dedicated expat assistance make it one of the most convenient and reliable insurers for those frequently traveling between Europe and North America.<\/span><\/p>\n<p><b>Core Plans for Expats:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cigna Global Silver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cigna Global Gold<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cigna Global Platinum<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Special Considerations for Australian Expats<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Australian expats need to consider several Germany-specific insurance factors, particularly around <\/span><b>eligibility rules, system differences, <\/b><span style=\"font-weight: 400;\">and <\/span><b>lifestyle needs<\/b><span style=\"font-weight: 400;\">. Understanding these points helps Australians choose coverage that meets legal requirements while matching their expectations for healthcare.<\/span><\/p>\n<p><b>Key Points Australian Expats Should Consider:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Differences from Medicare: <\/b><span style=\"font-weight: 400;\">Australians must adjust to Germany\u2019s mandatory insurance model, where all residents must hold public or private coverage, unlike the tax-funded Medicare system back home.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Eligibility for Public Insurance: <\/b><span style=\"font-weight: 400;\">Not all Australians qualify for public insurance, especially freelancers, working holiday makers, and certain visa holders, meaning private insurance may be required from day one.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visa Compliance Rules: <\/b><span style=\"font-weight: 400;\">Health insurance must meet German residency standards before a <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-germany.html#:~:text=Visa%20Requirements%20For%20US%20Citizens%20In%20Germany\"><span style=\"font-weight: 400;\">visa or residence permit<\/span><\/a><span style=\"font-weight: 400;\"> is approved, requiring Australians to choose fully compliant coverage rather than travel insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Income Threshold Rules: <\/b><span style=\"font-weight: 400;\">Australians earning above Germany\u2019s annual income threshold may opt out of public insurance and choose private insurance, giving higher-income expats more flexibility but also long-term cost implications.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Family Coverage Expectations: <\/b><span style=\"font-weight: 400;\">Public insurance includes dependents at no cost, which differs from Australia, where family policies often have separate charges. Private plans in Germany, however, charge per person.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Language Barriers: <\/b><span style=\"font-weight: 400;\">Many German insurers mainly communicate in German, so Australians may prefer international providers that offer English-language documents, billing, and customer support.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Waiting Period Differences: <\/b><span style=\"font-weight: 400;\">Some private policies include waiting periods for dental, maternity, or mental health services, which may differ from what Australians expect from Medicare-combined coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Switching Limitations: <\/b><span style=\"font-weight: 400;\">Leaving public insurance (SHI) for private insurance (PHI) can be a long-term decision, and returning to SHI later can be difficult, so Australians should carefully assess long-term residency plans before switching.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lifestyle and Travel Needs: <\/b><span style=\"font-weight: 400;\">Australians who travel frequently within the EU or return home often may prefer international plans offering worldwide coverage, including treatment in Australia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher Out-of-Pocket Variations: <\/b><span style=\"font-weight: 400;\">Germans often pay more upfront for dental, vision, and specialist services, so Australians should choose insurance with strong outpatient and dental benefits if expecting frequent use.<\/span><\/li>\n<\/ul>\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<h2><span style=\"font-weight: 400;\">How Australians Apply for Health Insurance in Germany<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Australian expats secure German health insurance by confirming whether they must join Statutory Health Insurance (SHI) or take Private Health Insurance (PHI), then completing registration and presenting the insurer\u2019s confirmation for residence and healthcare access.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Confirm Your Eligibility.<\/b><span style=\"font-weight: 400;\"> Determine whether employment status or income places you in SHI (statutory) or makes you eligible\/required for PHI; this decision defines your provider choices and application process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather Required Documents.<\/b><span style=\"font-weight: 400;\"> Collect passport, <\/span><i><span style=\"font-weight: 400;\">Anmeldung <\/span><\/i><span style=\"font-weight: 400;\">(address registration), employment contract or proof of income, previous insurance records, and any medical history or prescriptions to support your application.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare Plans and Providers.<\/b><span style=\"font-weight: 400;\"> Request quotes from German sickness funds (e.g., TK, AOK, Barmer) and private or international insurers to compare premiums, benefits, networks, and language support. Consulting a broker like Pacific Prime can make this step easier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Request Formal Quotes.<\/b><span style=\"font-weight: 400;\"> Submit your personal details to insurers for tailored quotes; for PHI you may need to complete a medical questionnaire or attend a health check before approval.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose A Provider And Apply.<\/b><span style=\"font-weight: 400;\"> Complete the insurer\u2019s application form online or in person; for SHI your employer can usually register you directly with a chosen <\/span><i><span style=\"font-weight: 400;\">Krankenkasse<\/span><\/i><span style=\"font-weight: 400;\"> (insurance provider).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Obtain Insurance Confirmation.<\/b><span style=\"font-weight: 400;\"> Receive the <\/span><i><span style=\"font-weight: 400;\">Versicherungsbest\u00e4tigung <\/span><\/i><span style=\"font-weight: 400;\">or policy document\u2014this certificate is required for your residence permit and local registration processes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Activate Your Insurance Card.<\/b><span style=\"font-weight: 400;\"> For SHI you\u2019ll receive a health card (<\/span><i><span style=\"font-weight: 400;\">Gesundheitskarte<\/span><\/i><span style=\"font-weight: 400;\">); for PHI you\u2019ll receive a policy number and insurer contact details to present at medical visits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Register With A General Practitioner.<\/b><span style=\"font-weight: 400;\"> Select and register with a <\/span><i><span style=\"font-weight: 400;\">Hausarzt <\/span><\/i><span style=\"font-weight: 400;\">(GP) to coordinate care; present your insurance card or policy number at first appointments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Register Dependents If Applicable.<\/b><span style=\"font-weight: 400;\"> Add non-earning spouses and children to SHI coverage free of charge, or enroll family members separately under PHI where each person requires a policy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Review And Maintain Coverage Annually.<\/b><span style=\"font-weight: 400;\"> Reassess your plan yearly to ensure suitability, especially if employment, family status, or travel patterns change, and to prepare for premium adjustments.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Tips for Foreigners to Save on Premiums in Germany<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Foreigners living in Germany can reduce health insurance costs by making strategic choices about their coverage, provider type, and payment structure. These tips help Australian expats lower expenses while still meeting visa requirements and maintaining reliable care.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose a Higher Deductible When Appropriate<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Selecting a higher annual deductible can significantly reduce PHI monthly premiums. This works best for healthy expats who rarely need medical care and prefer lower ongoing costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare Public and Private Plans Carefully<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Public insurance offers predictable, income-based pricing, while private plans vary by age and benefits. Comparing both helps expats select the most cost-effective option based on employment, health status, and long-term plans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consider Annual Premium Payments<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Many insurers offer discounts for paying annually rather than monthly. This option can save several percentage points per year and is popular among long-term Australian residents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Remove Unnecessary Coverage Extras<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Reviewing your plan each year allows you to remove add-ons such as premium dental, alternative medicine, or extensive travel benefits that may no longer match your medical needs or budget.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use Employer Contributions When Possible<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Employees in Germany automatically receive employer contributions to SHI or PHI. Choosing a plan that maximizes employer participation significantly reduces personal premium costs.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What type of health insurance is required to live in Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">All Australians moving to Germany need either statutory health insurance (GKV) or private health insurance (PKV): this is legally mandatory from the moment expats register their residence in Germany.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I use my Australian Medicare when I move to Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medicare does not apply once an Australian becomes a long-term resident in Germany; you must switch to a German insurance plan (public or private) to maintain coverage. Consult with an insurance broker to find your best options.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">At what income level can I choose private health insurance in Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your income exceeds approximately <\/span><b>\u20ac73,800\/year<\/b><span style=\"font-weight: 400;\"> (2026 threshold), you\u2019re eligible to opt out of public insurance and enroll in private health insurance instead.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are there special expat health plans for non-EU nationals?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many private insurers offer \u201cexpat\u201d or \u201cincoming\u201d health plans tailored for non-EU residents, typically valid up to five years for newcomers.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Will my German health insurance cover me when I travel outside Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Statutory (public) insurance may cover emergency treatment in some EU countries when you travel outside of Germany under certain conditions, but comprehensive travel or global cover usually requires a private or international plan.<\/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;\">Conclusion: More Expat Resources<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Australian expats in Germany can access one of Europe\u2019s most reliable healthcare systems by understanding the differences between public and private insurance, meeting legal enrollment requirements, and selecting coverage that fits their work status, income level, and long-term plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With mandatory insurance rules and structured contribution systems, early preparation helps avoid gaps in coverage and ensures smooth visa processing. To discuss your questions with an international health insurance expert, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our team online<\/span><\/a><span style=\"font-weight: 400;\"> or via a call to <a href=\"tel:+852-3113-1331\">+852-3113-1331<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can begin comparing quotes and plans from the top providers right away with our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\"> that has over 50,000 plans in its database.<\/span><\/p>\n<p><b>We recommend Australian expats explore the following resources before their move:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health Insurance for Australian Expats in Japan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-for-australians-in-new-zealand.html\"><span style=\"font-weight: 400;\">Health Insurance for Australian Expats in New Zealand<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-germany.html\"><span style=\"font-weight: 400;\">Health Insurance in Germany for Expats: Public vs Private Plans<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-germany.html\"><span style=\"font-weight: 400;\">Guide For Living Abroad In Germany<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.smartraveller.gov.au\/destinations\/europe\/germany\"><span style=\"font-weight: 400;\">Australia\u2019s Travel Advisory for Germany<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.bundesgesundheitsministerium.de\/en\/index.html\"><span style=\"font-weight: 400;\">Germany\u2019s Ministry of Health<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Australian expats living in Germany who make less than \u20ac73,800\/year (2026) are required to enroll in Germany\u2019s statutory public health insurance scheme. Foreign residents who have an income exceeding this limit can opt for private health insurance with more flexible and comprehensive benefits. Are you an Australian moving to Germany soon? Need help finding the &#8230;<\/p>\n","protected":false},"author":54,"featured_media":27409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-26657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2026 Guide Health Insurance for Australian Expats in Germany<\/title>\n<meta name=\"description\" content=\"Learn how Australians can get public and private health insurance in Germany. 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