What does freiwillig versichert mean?

If you are voluntarily insured (freiwillig versichert), you can choose public or private health insurance.

You are freiwillig versichert if…

  • You are an employee, and you earn over €73,800 per year
  • or you are self-employed
  • or you are a student
  • or you have a minijob
  • or you earn less than €535 per year
  • or you are a civil servant (Beamter)

Everyone else is Pflichtversichert and must choose public health insurance.

How to choose health insurance