Private health insurance (PKV) premiums in Germany are based on the plan you choose, your age when your policy starts, and your health at the time of application. Once coverage begins, your premium does not increase because you get older or because your health changes. German employers contribute up to 50% of your monthly costs — for you and for a non-working spouse or children on your policy — up to a monthly cap. Nursing care insurance and sick pay add-ons qualify for the employer contribution, while travel add-ons do not.

Private health insurance (PKV) premiums are based on three factors: the plan you choose, your age when your policy starts, and your health at the time of application. Premiums are generally lower for younger and healthier applicants. Once your coverage begins, your premium does not increase because you get older or because your health changes.

German employers pay up to 50% of your monthly Private health insurance (PKV) costs, up to a fixed monthly cap. The contribution works as follows:

Full details on the cap and the income thresholds are in Income threshold for private health insurance.

You can get a personalized offer for Private health insurance (PKV) on our Private health insurance (PKV) page. The offer shows a full breakdown of the monthly cost per person and the employer contribution. The offer is completed online and does not require a call or consultation.