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When does it make the most sense to go with private insurance?
When does it make the most sense to go with private insurance?

Insurance untangled: what you need to know before taking out private health coverage.

Christina Weber avatar
Written by Christina Weber
Updated over 4 months ago

Tough question - it really depends on your individual situation. That is why we built our nifty recommendation tool, which will take into account your personal circumstances and guide you to the right choice.

Generally, you need to meet the criteria below. If you're trying to figure out health insurance for your whole family, we recommend taking a look at our guide for families!

  • Income: more than €69.300 per year (as an employee) or €30k per year (as a self-employed, freelancer, or other categories)

  • Health: coverage is not possible with health conditions and treatments like asthma, arthritis, autoimmune diseases, cancer, diabetes, ADHD, mental health conditions, and recent or longer-term psychotherapy. Other diagnoses can be checked upon submitting an application.

  • History: For all 12 months prior to the application and the start date of your new private coverage, you must have had comprehensive coverage (public health insurance like the NHS or other statutory systems, private health insurance, or expat insurance).

    If you've only had travel insurance or no coverage, you simply need to do dental and general medical check-ups. Our team will automatically guide you through the steps once you apply.

If you are still unsure about your options, our support team will guide you to the right choice!

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