Each private health insurer has its pricing system. The monthly cost depends on:
The plan you choose
Your age when you join
Your health at the time of application
That means you’ll pay less if you’re younger and in good health when you sign up. Once you're insured, your premium won’t go up just because you get older or develop new health conditions.
What your German employer contributes
Your employer will pay up to 50% of your monthly price—not just for you, but also for a non-working spouse or children you cover under private insurance. There’s a cap, though. In 2025, the maximum employer contribution is €570 per month. As long as this amount isn't exhausted, your employer also contributes to 2 add-ons:
Nursing care insurance (Pflegepflichtversicherung)
Sick pay coverage
In contrast, a travel insurance add-on isn't eligible for employer contributions.
Curious to see what it would cost you and your family?
Get a personalised offer on our website. You'll get a full breakdown of the cost per person and the employer contributions. No calls or consultations required.