What is the Basic plan in private health insurance in Germany?
The Basic plan, known as Basistarif, is a standardized private health insurance option established in Germany in 2009. It was created as a fallback option for individuals who are required to have comprehensive health insurance but cannot access or afford other forms of coverage. While managed by private insurers, it offers a basic level of care that is legally defined to be similar to what is included in public health insurance (Gesetzliche Krankenversicherung).
Who is eligible for the Basic plan?
The plan is not for those freely choosing between private and public insurance but serves as a safety net. The Basic plan is only available to specific groups, including:
People who are or should be privately insured and experiencing financial hardship
People who cannot access regular private tariffs because of age or health.
Self-employed persons or freelancers unable to afford standard private plans.
Former public insurance members who no longer qualify for public coverage but must remain insured
How do I register for the Basic plan?
If you believe you qualify, you can contact your chosen private health insurer directly to request the Basic plan (Basistarif). Insurers must provide access if eligibility is met.
In most cases, you will need to submit:
Proof of current private insurance
Documentation of financial hardship or special circumstances
A written request for the Basic plan
You cannot apply for the Basic plan through Feather, but we are happy to help you explore better alternatives if you are still eligible.
What services and benefits does the Basic plan cover?
The Basic plan covers essential health services aligned with public insurance, including:
General and specialist medical care
Hospital treatment
Medically necessary medications
Maternity care
Basic dental care
However, benefits are limited compared to other private plans. The fee schedule is restricted, and access to certain private doctors and services may be reduced. Premiums are capped at the maximum contribution level in the public system and may be lower for low-income individuals.
When should the Basic plan be considered?
The Basic plan should only be considered as a last resort for those who must have comprehensive insurance but lack eligibility for regular public or private options. For most people, including new arrivals, self-employed individuals, employees, or students, there are usually better and more flexible options available.
These include:
Expat health insurance or long-term expat health plans (especially for students, freelancers, or people in transition)
To find the most suitable option for your situation, we recommend using our free recommendation tool. It will guide you through the available choices based on your status, needs, and eligibility.