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Income thresholds to qualify for private health insurance (PKV) in Germany: for employees, self-employed people, and freelancers. Plus the maximum employer contribution and what's expected to change in 2027.

Income threshold for private health insurance

Learn how the medical risk assessment for private health insurance (PKV) in Germany works, what outcomes are possible, which conditions can lead to a rejected application, and what alternatives exist…

How existing health conditions affect your eligibility for private health insurance (PKV)

Some applicants need medical checkups before a Private health insurance (PKV) policy starts. Learn when checkups are required, which examinations are usually needed, how to complete them, and how much…

Medical checkups required to join Private health insurance (PKV)

The documents required to apply for Private health insurance (PKV) in Germany: ID or passport, a German address, and proof that your income is above the threshold. Employees submit a…

Documents you need to apply for Private health insurance (PKV)

Private health insurance (PKV) applications in Germany can be denied for pre-existing conditions, insufficient proof of income, high-risk occupations, or gaps in past coverage. We also explain what happens if…

Why private health insurance (PKV) applications are denied in Germany

Income protection, or sick pay, is a daily benefit under Private health insurance (PKV) that pays out from day 43 of an illness until the end of month 6. Learn…

How income protection (sick pay) works under Private health insurance (PKV)

With Private health insurance (PKV), your Sozialversicherungsnummer (SVNR) isn't created automatically. You request it from the German pension insurance, or your employer requests it for you. Delivery by post takes…

How do I get a Sozialversicherungsnummer (SVNR) with Private health insurance (PKV)?

This article explains what the Krankenversichertennummer (KVNR) is, why it's needed for German digital health services, who already has one, and how to request one if you don't.

Krankenversichertennummer (KVNR): what is it and how to get one

Employees in Germany with Private health insurance (PKV) must name a public health insurance provider so their employer can process social security contributions. That provider handles contributions only and does…

Choosing a public health insurance provider when you have Private health insurance (PKV)

The Private health insurance (PKV) sign-up process from quote to submitted application: what you need to start, the steps in order, saving and finishing later, when coverage can start, and…

How do I sign up for Private health insurance (PKV)?

Private health insurance (PKV) eligibility for employees of a German company: the gross annual income threshold, voluntary versus compulsory Public health insurance (GKV) status, the health assessment, and how to…

Am I eligible for Private health insurance (PKV) if I'm employed by a German company?

Private health insurance (PKV) eligibility for freelancers and self-employed people in Germany: the income requirement, proof of self-employment, the health assessment, who pays the premium, and how to apply.

Am I eligible for Private health insurance (PKV) if I'm self-employed or freelancing in Germany?

Private health insurance (PKV) eligibility if you live in Germany but work for an employer based abroad: why you're treated as self-employed, which income threshold applies, whether your employer contributes,…

Am I eligible for Private health insurance (PKV) if I work for an employer outside Germany?

Private health insurance (PKV) meets § 257 (2a) SGB V and is accepted for German visa and residence permit applications, including renewals.

Is private health insurance (PKV) accepted for a German visa or residence permit?

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