What is the Basic plan in private health insurance in Germany?
The Basic plan (Basistarif) is a standardized private health insurance plan introduced 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 Basic plan is only available to specific groups, including
People who are or should be privately insured and experiencing financial hardship
Individuals who cannot be insured in regular private tariffs due to age or health conditions
Self-employed people or freelancers who cannot afford standard private plans
Former public insurance members who no longer qualify for public coverage but must remain insured
It is not designed for those who are freely choosing between private and public systems. It is a safety net for those with no other realistic options.
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). They are legally required to provide access if you meet the eligibility requirements.
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 does the Basic plan cover?
Coverage under the Basic plan is aligned with public insurance. It includes:
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 can be lower for people with low income.
Is the Basic plan the right choice?
The Basic plan should only be considered as a last resort. It is designed for people who must have comprehensive insurance but are not eligible for either public insurance or regular private health insurance.
If you are new to Germany, self-employed, employed, or a student, 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.