{"id":27987,"date":"2026-01-22T01:26:14","date_gmt":"2026-01-21T17:26:14","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=27987"},"modified":"2026-01-22T01:29:13","modified_gmt":"2026-01-21T17:29:13","slug":"health-insurance-cost-in-germany","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-germany.html","title":{"rendered":"How Much Does Health Insurance Cost in Germany?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The average annual premium cost for international health insurance in 2024 in Germany was <\/span><b>USD $<\/b><b>4,307<\/b><b> for individuals <\/b><span style=\"font-weight: 400;\">and <\/span><b>USD $<\/b><b>11,859 <\/b><b>for families<\/b><span style=\"font-weight: 400;\">. This proprietary data was collected from actual Pacific Prime expat customers who purchased international health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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\u2019t paying too much for your healthcare coverage? This article outlines the data you need to make an informed decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, you\u2019ll find our <\/span><b>privately collected statistics on health insurance premiums<\/b><span style=\"font-weight: 400;\"> over the years to help you plan for the cost of your plan. We\u2019ll also compare Germany\u2019s costs to the rest of Europe and give ideas on how to save money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After you\u2019ve finished this article, head to our guide on the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/germany-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">best expat international health insurance in Germany<\/span><\/a><span style=\"font-weight: 400;\"> to compare top plans and to learn more about Germany\u2019s healthcare system.<\/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;\">Cost of Health Insurance in Germany for Individuals<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27990 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/cochem-townscape-with-gray-and-brown-buildings-along-the-river.webp\" alt=\"Image of Cochem Townscape With Gray And Brown Buildings Along The River with text overlay of &quot;Cost of Health Insurance in Germany for Individuals&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/cochem-townscape-with-gray-and-brown-buildings-along-the-river.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/cochem-townscape-with-gray-and-brown-buildings-along-the-river-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/cochem-townscape-with-gray-and-brown-buildings-along-the-river-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/cochem-townscape-with-gray-and-brown-buildings-along-the-river-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/cochem-townscape-with-gray-and-brown-buildings-along-the-river-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The average cost of international health insurance for individuals moving to Germany was <\/span><b>USD $<\/b><b>4,307<\/b><span style=\"font-weight: 400;\"> (or <\/span><b>about EUR 3,673<\/b><span style=\"font-weight: 400;\">) in 2024, according to proprietary data collected from expat customers of Pacific Prime. Costs can vary depending on age, health history, and coverage preferences.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Look at the table below to see how the cost of insurance has changed for expats in Germany:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">Germany\u2019s Annual Premiums for Individual Health Insurance<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Year<\/b><\/td>\n<td><b>Average Annual Premium (USD\/EUR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2024<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,307 (about EUR 3,673.31)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2023<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,279 (about EUR 3,649.43)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,751 (about EUR 3,199.12)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,565 (about EUR 3,040.48)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2019<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,599 (about EUR 3,069.48)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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;\">Cost of Health Insurance in Germany for Families<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Family international health insurance plans cost more than individual plans, with average annual premiums for expats in Germany reaching <\/span><b>USD $11,859<\/b><span style=\"font-weight: 400;\"> (about <\/span><b>EUR 10,114<\/b><span style=\"font-weight: 400;\">) in 2024. This average comes from proprietary data gathered from Pacific Prime\u2019s customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We\u2019ve outlined the inflation costs of international family health insurance plans since 2019:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">Germany\u2019s Annual Premiums for Family Health Insurance<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Year<\/b><\/td>\n<td><b>Average Annual Premium (USD\/EUR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2024<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,859 (about EUR 10,114.19)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2023<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,457 (about EUR 9,771.33)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,804 (about EUR 10,067.28)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,105 (about EUR 8,618.25)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,105 (about EUR 8,618.25)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$9,780 (about EUR 8,341.07)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2019<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,616 (about EUR 9,054.07)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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;\">Germany\u2019s Cost of Health Insurance Compared to Europe<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Germany\u2019s individual international health insurance costs are on par with middle-range costs across other European countries. The UK has the most expensive coverage, at <\/span><b>USD $5,770<\/b><span style=\"font-weight: 400;\"> (about EUR 4,926) per year, while Poland claims the least expensive spot at <\/span><b>USD $3,900<\/b><span style=\"font-weight: 400;\"> (about EUR 3,329) per year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">See our data from real customer costs to help you compare the average individual premiums across Europe in 2024:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">A Comparison of Germany\u2019s Individual Insurance Costs to Europe Costs<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Country<\/b><\/td>\n<td><b>2024 Average Annual Premium (USD\/ EUR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Germany<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,307 (about EUR 3,677.27)\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UK<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,770 (about EUR 4,926.36)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Switzerland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,532 (about EUR 4,723.16)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Portugal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,638 (about EUR 3,959.87)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Greece<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,859 (about EUR 4,148.56)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Russia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,849 (about EUR 4,140.02)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ireland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,697 (about EUR 4,010.25)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Spain<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,193 (about EUR 4,411.61)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Austria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,462 (about EUR 3,809.61)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Finland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,391 (about EUR 3,748.99)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ukraine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,316 (about EUR 3,684.95)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Italy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,620 (about EUR 3,944.50)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bulgaria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,264 (about EUR 3,640.55)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Serbia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,264 (about EUR 3,640.55)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sweden<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,261 (about EUR 3,637.99)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">France<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,213 (about EUR 3,597.01)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Denmark<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,202 (about EUR 3,587.62)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Norway<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,170 (about EUR 3,560.30)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hungary\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,143 (about EUR 3,537.25)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Czech Republic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,141 (about EUR 3,535.54)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Romania<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,074 (about EUR 3,478.34)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Croatia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,074 (about EUR 3,478.34)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Slovakia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,074 (about EUR 3,478.34)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Netherlands<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,071 (about EUR 3,475.77)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Poland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,900 (about EUR 3,329.78)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Average family insurance costs in Germany compare to mid-range expenses across Europe. The UK tops the charts again at about <\/span><b>USD $15,936<\/b><span style=\"font-weight: 400;\"> (about<\/span><b> EUR 13,602<\/b><span style=\"font-weight: 400;\">), while Poland still enjoys the lowest prices at about <\/span><b>USD $10,710<\/b><span style=\"font-weight: 400;\"> (about <\/span><b>EUR 9,141<\/b><span style=\"font-weight: 400;\">).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We\u2019ve 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:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">A Comparison of Germany\u2019s Family Insurance Costs to Europe Costs<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Country<\/b><\/td>\n<td><b>2024 Average Annual Premium (USD\/EUR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Germany<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,859 (about EUR 10,122.66)\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Switzerland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,359 (about EUR 13,110.21)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UK<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,936 (about EUR 13,602.73)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Portugal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,828 (about EUR 10,949.79)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Greece<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,487 (about EUR 11,512.30)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Russia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,260 (about EUR 11,318.54)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ireland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,970 (about EUR 11,071.00)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Spain<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$14,417 (about EUR 12,306.13 )<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Austria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,300 (about EUR 10,499.10)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Finland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,106 (about EUR 10,333.50)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Italy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,798 (about EUR 10,924.18)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ukraine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,779 (about EUR 10,054.38)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">France<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,597 (about EUR 9,899.03 )<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Serbia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,742 (about EUR 10,022.80)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bulgaria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,742 (about EUR 10,022.80)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sweden<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,731 (about EUR 10,013.41)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hungary<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,412 (about EUR 9,741.11)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Denmark<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,582 (about EUR 9,886.22)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Czech Republic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,399 (about EUR 9,730.02)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Norway<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,486 (about EUR 9,804.28)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Netherlands<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,196 (about EUR 9,556.74)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Romania<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,217 (about EUR 9,574.66)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Croatia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,217 (about 9,574.66)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Slovakia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,217 (about EUR 9,574.66)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Poland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,710 (about EUR 9,141.90)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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;\">Tips to Help Expats Save Money on Insurance in Germany<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How Copays, Deductibles, and Annual Maximums Affect Premium Costs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Copays and Deductibles:<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Annual Maximums:<\/b><span style=\"font-weight: 400;\"> Choosing a lower maximum level of coverage for certain benefits can significantly lower the plan\u2019s premium.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Other Key Considerations for Lowering Premium Costs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats who carefully evaluate their lifestyle can strategically lower the cost of international health insurance premiums.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Apply Early:<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consider Health History:<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose Regional Plans:<\/b><span style=\"font-weight: 400;\"> Expats who don\u2019t 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check for Public Insurance Coverage:<\/b><span style=\"font-weight: 400;\"> Most expats will need private insurance coverage to receive their visas to Germany, but those expats who work for German companies may qualify for <\/span><a href=\"https:\/\/www.krankenkassen.de\/gesetzliche-krankenkassen\/krankenkassen-liste\/\"><span style=\"font-weight: 400;\">the country\u2019s statutory insurance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\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;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What kind of health insurance do I need for Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats applying for long-term visas to Germany must purchase private health insurance that meets Germany\u2019s standards in order to get visa approval. International health insurance is a top choice for expats looking to meet these mandates.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can expats get healthcare in Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How can 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 can get public health insurance through Germany\u2019s 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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is the best health insurance for people living abroad in Germany?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/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<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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\u2019s price of medical insurance stacks up to other countries in Europe.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would like help comparing quotes and choosing a personalized plan, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our expert brokers<\/span><\/a><span style=\"font-weight: 400;\">. They can fill you in about Germany\u2019s healthcare system, help you secure a plan that fits your lifestyle, and even handle administrative tasks after you\u2019ve purchased your plan.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> 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 <a href=\"tel:+1-800-868-1451\">+1-800-868-1451<\/a>.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Further reading:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-italy.html\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in Italy?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-japan.html\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in Japan?<\/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<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>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. Are you trying to secure private international health insurance before your big move to Germany but &#8230;<\/p>\n","protected":false},"author":54,"featured_media":27989,"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-27987","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 v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Does Health Insurance Cost in Germany?<\/title>\n<meta name=\"description\" content=\"See data from real customers to compare international health insurance costs for expat individuals and 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