Difference between expat health insurance and private health insurance in Germany

Expat health insurance is a visa-compliant incoming plan for newcomers to Germany, valid for up to 5 years, with no salary minimum or health screening and coverage for new conditions only. Private health insurance (PKV) is comprehensive, long-term coverage accepted for all visa types and renewals, but it requires meeting an income threshold and passing a health screening. The two plans differ in cost structure, coverage, age limits, and switching options.

Expat health insurance is a visa-compliant incoming insurance for newcomers to Germany, designed for short-term use of up to 5 years. Private health insurance (PKV) is comprehensive, long-term coverage accepted for all visa types and renewals. The two plans differ in coverage scope, eligibility, duration, and cost. Expat health is legally a form of private insurance under §193(3) VVG, but it is not the same as our private health insurance (PKV).

Expat health insurance covers new medical conditions only. It does not cover pre-existing conditions or routine check-ups without symptoms. Private health insurance (PKV) offers comprehensive coverage that includes new conditions, some pre-existing conditions, and routine preventive check-ups.

Expat health insurance meets §193(3) VVG and is suitable for most first-time visa applications, but it is generally not accepted for visa renewals. Private health insurance (PKV) meets §152 VAG and is valid for all visa types, including renewals.

Expat health insurance has no salary minimum and no health screening. Private health insurance (PKV) requires meeting a minimum income threshold and passing a health screening, unless you were continuously insured abroad in the 12 months before applying. The income thresholds are:

Expat health insurance is priced at a fixed rate based on your age and the selected plan, which makes it generally the more affordable option. Its travel coverage includes the EU and Schengen zone, plus up to 6 weeks in your home country after the first year on the policy. Private health insurance (PKV) is priced by individual assessment of your age and health status; it is often cheaper than public health insurance but more expensive than expat health insurance. Its travel coverage can be customized and extended up to worldwide coverage.

Switching from expat health insurance to private health insurance (PKV) is possible if you meet the eligibility requirements. Switching from private health insurance (PKV) back to expat health insurance is not permitted. Expat health insurance also allows switching to public health insurance, and private health insurance (PKV) allows switching to public health insurance if certain criteria are met, up to age 55.

Expat health insurance provides coverage until you turn 75 and does not include sick pay or long-term care insurance. Private health insurance (PKV) has no age limit, though qualifying becomes harder as you get older, and it offers optional add-ons that expat health does not, including sick pay (Krankentagegeld) and long-term care insurance (Pflegeversicherung). Both plans let you add dependents.