Germany is known for having one of the most efficient and high-quality healthcare systems in the world. If you’re living in Germany — whether as a local or an expat — having the right health insurance is not only important, it’s legally required.
In this guide, we’ll break down the best health insurance plans in Germany, covering both public (statutory) and private (private) options. Whether you’re a student, employee, freelancer, or business owner, you’ll find a suitable plan below.
1. TK (Techniker Krankenkasse) – Best Public Insurance for Expats
TK is one of the largest and most popular statutory health insurance providers in Germany. It offers excellent service, English-speaking support, and a wide network of doctors and hospitals. The coverage includes doctor visits, hospital care, dental treatment, prescriptions, and more.
Pros: High-quality service, fast reimbursements, great for expats
Monthly cost: Around 15% of your gross income (shared with employer)
2. AOK – Reliable Public Health Insurance for Everyone
AOK is another trusted name in the public system. It’s ideal for families, students, and employees. AOK offers health education programs, bonus plans, and extra services that make it a strong competitor.
Pros: Good family plans, strong regional presence
Monthly cost: Based on income (similar to TK)
3. DAK Gesundheit – Excellent for Preventive Care
DAK is one of the oldest health insurance providers in Germany. It offers great coverage for preventive services, wellness programs, and chronic condition management.
Pros: Strong focus on health promotion, good for long-term care
Monthly cost: Income-based (as per public system)
4. Allianz Private Health Insurance – Best Private Option
If you’re a high-income earner, freelancer, or self-employed, private health insurance from Allianz can be a premium choice. It provides flexible coverage options, short wait times, and better services in many cases.
Pros: Custom plans, English support, fast access to specialists
Monthly cost: Depends on age, health, and coverage level
5. Ottonova – Digital Private Health Insurance for Expats
Ottonova is a modern, digital-only health insurance company that caters especially to expats and tech-savvy users. Their app lets you manage everything from claims to doctor appointments online.
Pros: 100% digital, English-speaking support, easy setup
Monthly cost: Varies by plan and age
Public vs Private Health Insurance – What’s the Difference?
| Feature | Public Insurance (GKV) | Private Insurance (PKV) |
|---|---|---|
| Cost | Income-based | Risk-based (age, health) |
| Family Coverage | Free for dependents | Separate for each person |
| Access | Good, sometimes slower | Often faster, more options |
| Flexibility | Standard plans | Fully customizable plans |
Conclusion
Choosing the best health insurance plan in Germany depends on your employment status, income level, and personal needs. For most people, TK or AOK are the best public options. If you prefer more control and faster service, Allianz or Ottonova offer excellent private insurance solutions.
Make sure to compare all options carefully — your health and peace of mind are worth it.