How to choose German health insurance

By Nicolas Bouliane Verified by 3 experts

When you move to Germany, you must choose health insurance. This guide explains how it works, and how to choose the best health insurance for your needs.

All German residents need health insurance. It pays for your healthcare when you are sick. You also need it to start a new job or to apply for a residence permit.

Your options

Health insurance for employees

When you are an employee, your health insurance is not tied to your job. If you lose your job, you keep your health insurance. Your employer does not decide which health insurance you can have.

If you earn over €73,800 per year, you can choose public or private health insurance.3 Public health insurance costs around €600 per month.1 Private health insurance might be cheaper.58

If you earn €66,150 to €73,800 per year, you can only choose public health insurance.3 It costs around €600 per month.

If you earn less than €66,150 per year, you can only choose public health insurance. It costs 9.35% to 10.95% of your income (including Pflegeversicherung).

If you have a minijob, you can choose public or private health insurance. Public is usually the best option.56 You can get free health insurance. Otherwise, you pay the minimum amount: around €230 per month. Your employer does not help you pay for health insurance.36

If you lose your job, you can get free health insurance. Otherwise, you pay the minimum amount: around €230 per month.

If you move from another EU country, your health insurance from your home country usually covers you until you start working.47 It might be much cheaper than German health insurance.

If you move from a non-EU country, you might need expat health insurance. It covers you until you start working. When you start working, you must switch to public or private health insurance. A health insurance broker can arrange this for you.

Your employer can help you get health insurance. This is a bad idea. They choose what is easy for them, not what is best for you.7

Health insurance for students

If you are under 25 years old, you can get free health insurance. Otherwise, you pay the student tariff. Public health insurance costs around €140 per month. Public health insurance is usually the best option for students.59 You can also get private health insurance, but it’s usually a little more expensive.

If you are under 30 years old, you pay the student tariff. Public health insurance costs around €140 per month. Public health insurance is usually the best option for students.59 You also can get private health insurance, but it’s usually a little more expensive.

If you are over 30 years old, you can’t get the student tariff. Public health insurance costs around €230 per month.25 Private health insurance might be cheaper for you. You can’t get free health insurance. If you work, you are treated like a normal employee; public health insurance costs a percentage of your income.

If you are a foreign student, you might need temporary health insurance before school starts. If you are from the EU, you can use health insurance from your home country. If you are not from the EU, you might need expat health insurance. An insurance broker can help you choose.

If you are self-employed, and your income is over €535 per month, you are treated like a self-employed person. You can’t get the student tariff and you can’t get free health insurance. If you are young and healthy, private health insurance usually makes the most sense.58

If you work over 20 hours per week, you are treated like a normal employee.46 You can’t get the student tariff, and you can’t get free health insurance. There are different rules for internships and apprenticeships.

Ask an expert to help you choose. They can help you find the cheapest health insurance. Their help is free.

Health insurance for freelancers

If you are self-employed, you can choose public or private health insurance.4

Public health insurance costs 18.79% to 21.7% of your income (including Pflegeversicherung). The minimum cost is around €230 per month. The maximum cost is around €1,200 per month. You can’t get the student tariff, you can’t get free health insurance, and you can’t use health insurance from another EU country.37

Private health insurance is usually cheaper. The cost is based on your age and your health when you sign up, and the level of coverage you choose.79 If you have an unstable income, or you earn less than €30,000 per year, don’t get private health insurance.27 Ideally, you should make more than €60,000 per year.69 Insurers often reject people with a low or unstable income.55

Expat health insurance is the cheapest option. This is supposed to be temporary health insurance. You can use it to apply for a freelance visa. Staying on expat insurance is a really bad idea. Switch to public or private health insurance as soon as you can.

If you just moved to Germany, public health insurers might reject you. Private health insurance might be your only option.71

Don’t choose health insurance yourself. It’s a really bad idea when you are self-employed. The best option depends on your citizenship, your income, your health, and your plans for the future. Ask an expert to help you choose. This is really important.

If you are a freelance artist, journalist, publicist or influencer, join the Künstlersozialkasse (KSK). They pay half of your health insurance, and half of your public pension insurance. It’s always worth it. If you earn less than €73,800 per year, you must switch to public health insurance.

How to apply for the KSK

Health insurance when unemployed

If you get ALG I or Bürgergeld, you get free public health insurance. The state pays for it.11 If you had private health insurance, you must usually switch to public health insurance.41

If you don’t get ALG I or Bürgergeld, you can choose public or private health insurance. You can get free health insurance. Otherwise, if you have public health insurance, you pay the minimum amount: around €230 per month.40 The cost of private health insurance is not related to your income, so it stays the same.

Health insurance for an internship

If it’s a mandatory internship during your studies, you keep your student insurance. Your employer does not pay half of it.50

If it’s a mandatory internship before or after your studies:65

If it’s a voluntary internship, it’s treated like a normal job. You have the same options as an employee.67 If you don’t get paid, you have the same options as an unemployed student, and you don’t get help from your employer.68

Health insurance for an apprenticeship

If you earn less than €325 per month, you get free public health insurance. Your employer pays for it.48

If you earn more than €325 per month, you can only choose public health insurance.54 It costs 9.35% to 10.95% of your income (including Pflegeversicherung).52 You can’t get free health insurance.53

Public health insurance

Public health insurance is run by non-profit insurance funds, not by the state. The cost and coverage are almost the same for all public health insurers.85 87% of Germans have public health insurance.2 It’s often your only option.

Cost of public health insurance

Public health insurance costs 14.6% of your income, plus around 2.5% for the insurer surcharge, and 2.6% to 4.2% for long-term care insurance. If you are an employee, your employer pays half of it.

Calculate the cost

If you are an employee, you pay 9.35% to 10.95% of your income (including Pflegeversicherung). The minimum cost is around €120 per month. The maximum cost is around €600 per month. Health insurance payments are taken from your paycheck each month.

If you are unemployed, you pay the minimum amount: around €230 per month. When you lose your job, you sometimes get one month of free health insurance.

If you are a student, you usually pay the student tariff: €140 per month. If you are over 30 years old, you can’t get the student tariff, so you pay the same price as everyone else.

If you are an apprentice (Azubi) and you earn €325 per month or less, you get free public health insurance. Your employer pays for it.48

If you are self-employed, you pay 18.79% to 21.7% of your income. The minimum cost is around €230 per month. The maximum cost is around €1,200 per month. You pay for health insurance by direct debit authorisation every month.8

The cost of public health insurance is tax-deductible.

Free health insurance

Your parents’ health insurance covers you for free if…

  • Your parents have public health insurance
  • and you are under 23 years old (under 25 years old if you are a student)
  • and your total income is under €535 per month (€556 per month for a minijob)
  • and you are not self-employed full time
  • and you are not an apprentice (Azubi)53

Your spouse’s covers you for free if…34

  • Your spouse has public health insurance
  • and your total income is under €535 per month (€556 per month for a minijob)
  • and you are not self-employed full time
  • and you are not a apprentice (Azubi)53

Your health insurance from another EU country covers you if…

  • You are visiting Germany
  • or you are a student and you don’t work42

Your employer pays for your health insurance if…48

  • You are an apprentice (Azubi)
  • and you earn €325 per month or less

The state pays for your public health insurance if…45

When you lose your job, you sometimes get one month of free health insurance. Your current health insurance pays for it.

What public insurance covers

Public health insurance covers all necessary healthcare. All important treatments and medical prescriptions are covered. There is no limit on the cost of treatments.

Public health insurance covers “economic, sufficient, necessary and appropriate” healthcare. This means that it usually pays for the cheapest treatment that works. It also means that optional, aesthetic treatments are not covered. For example, it does not cover tooth whitening.

Public health insurance also covers your children and your unemployed spouse for free. This is called Familienversicherung.

When you go to the doctor, you show your insurance card, and they charge your Krankenkasse directly. If a treatment is not covered, you know before you start. There are no surprise costs.

Public health insurance is almost completely free to use. There is sometimes a small deductible: €5 to €10 per treatment or prescription.70

Essential dental care like wisdom teeth removal is covered. You also get 2 free dental check-ups every year. It does not cover tooth cleanings. You can get dental insurance to get better coverage.

Glasses and contact lenses are rarely covered. You must pay for them yourself.

Benefits of public health insurance

  • The cost is proportional to your income
    If you have a low income, you pay less. This is great if you have an unstable income, if you lose your job, or if you retire. If you just started your business or if your income is not stable, choose public health insurance.27
  • It’s cheap for students
    Students pay around €140 per month until they are 30 years old. If you are under 30 years old, public is usually the best option.59
  • It covers your family for free
    Your children and your unemployed spouse get free health insurance. Private health insurance charges for each person you cover. If you have more than 2 children, public is usually the cheapest option.12
  • It’s easy to use
    When you go to the doctor, you show your insurance card, and you get healthcare. You never need to think about coverage, deductibles or reimbursement. There is no paperwork; it just works.
  • It’s not tied to your health
    You don’t pay more if you have serious health conditions, or if you use your health insurance all the time.

Disadvantages of public health insurance

  • It’s expensive if you have a high income
    If you have a high income, you pay more. If you are young and healthy when you join, private health insurance can be better and cheaper.58
  • It’s harder to get doctor appointments13
    It’s hard to find a psychotherapist, psychiatrist, gynaecologist, paediatrician or urologist. Those who accept public health insurance are booked for weeks or months. If you want to see a doctor quickly, private health insurance is much better.
  • It does not cover special treatments
    Public health insurance covers necessary care. You get the most cost-effective treatment.43 If you want fancier treatments, you must pay for the price difference. For example, it only covers amalgam tooth fillings, not fancy composite fillings. It only covers basic teeth cleanings, twice per year. Eyeglasses are rarely covered. If you want better coverage and better treatment, choose private health insurance.81

Best public health insurance

Public health insurers have almost the same cost and coverage.85 The price difference is less than €20 per month after taxes. The biggest difference is customer service.15

If you need an English-speaking public health insurer, choose Barmer or Techniker Krankenkasse. Barmer has the best English-language support and service for immigrants.57 Techniker Krankenkasse is also very good, and slightly cheaper.

The most important question is public or private health insurance.51 Ask an expert to help you decide. They can get you cheaper health insurance and better coverage.

Private health insurance

13% of Germans have private health insurance.2 You can get private health insurance if…

  • You are and employee and you earn over €73,800 per year3
  • or you are self-employed
  • or you are a student
  • or you are a civil servant (Beamter)31

Everyone else must get public health insurance.

Cost of private health insurance

Your employer pays half of your health insurance. If you are self-employed, you pay the full price yourself.18 You pay for health insurance by direct debit authorisation every month.8

The cost depends on 4 things:

  • Your age when you join
    Young people pay less. The insurer saves a part of your payments for old age. If you join when you are young, you pay less when you are old. If you plan to leave Germany after a few years, you can get health insurance without old age provisions. It’s much cheaper. If you are over 45 years old, public health insurance usually makes more sense.28
  • Your health condition when you join
    If you have no health insurance history, you must get a health check at the doctor.44 If you have pre-existing health problems, insurers charge more or reject you.9 After you join, if you get really sick and use your insurance all the time, the price does not change, and they can’t kick you out.
  • The coverage you choose
    You can get the best coverage or the lowest price. To cover your spouse and children, you must pay more.
  • Your deductible
    A high deductible means lower monthly payments, but it also means paying out of pocket for most of your healthcare.

Quick price estimation

You can get really cheap private health insurance. You have low monthly payments, but you pay more when you get healthcare. Usually, there is a high deductible, and you get a yearly discount if you don’t use your health insurance.17

You can also pay more and get the best coverage. You have higher monthly payments, but there is no deductible.

A young, healthy employee could pay just €250 per month for private insurance.62 Some insurers also have discounts for students.

The cost of private health insurance is tax-deductible.

Benefits of private health insurance

  • Cheaper than public for high earners19
    If you have a high income, private is usually cheaper than public. You can also pay a similar price, but get better coverage.
  • Faster doctor appointments
    You can get an appointment in days instead of weeks. Try it yourself: go on Doctolib, and look for the earliest doctor appointment. Try again with private health insurance. It’s really hard to find a psychiatrist, a gynaecologist or a paediatrician with public health insurance. It’s much easier with private health insurance.
  • You choose your coverage
    Your insurance can cover dental care, travel insurance, special medication and special treatments. You can pay more every month for the best coverage. If you choose lower coverage and a high deductible, you pay less every month.17
  • You pay less when you don’t use it
    Many private health insurers have a no-claims bonus. If you don’t use your health insurance, you get money back every year. If you never get sick, you can save a lot of money. In 2024, I got a €640 refund.

Disadvantages of private health insurance

  • It discourages getting healthcare
    You usually have a yearly deductible. You pay for healthcare yourself until you reach that deductible. After that, the insurer pays for your healthcare. If you are below the deductible, you might ignore small health problems instead of paying €50 to €150 to see a doctor.
  • You pay, then you get reimbursed
    When you go to the doctor, you pay for it, and your health insurance reimburses you later. This is more effort and more paperwork. You also need enough money to pay for medical emergencies, even if you get reimbursed later.
  • It does not adjust to your income
    If your income changes, your health insurance costs the same. For example, if you lose your job, your business fails or you retire, your health insurance does not get cheaper. Public health insurance is a much safer option, because the cost is proportional to your income.
  • They can reject you
    If you have serious health problems, they can reject you. If you had psychotherapy, they usually reject you. If you have problems like HIV, severe asthma, diabetes or obesity, they usually reject you, or sometimes charge a lot more. They can also refuse to cover healthcare related to a pre-existing health problem.75 If you have pre-existing health problems, public health insurance might be your only option.6
  • You can be stuck with private
    It’s hard to switch from private to public health insurance. If you are over 55 years old, it’s almost impossible. You can be stuck with a private insurance that you can’t afford. You can sometimes switch to a cheaper private health insurance.72

What private insurance covers

The coverage depends on the plan you choose. Necessary healthcare is always covered. The coverage is usually equal or better to public health insurance.

The overall coverage is unlimited. There is no yearly limit. If you get cancer and the treatment costs millions of euros, your insurance pays for everything. Some treatments might have deductibles or yearly limits. For example, some plans have coverage limits for psychotherapy.60 A broker can help you choose a plan that fits your needs.

You can customize your coverage. For example, your insurance can cover extra services like dental care, eyeglasses and laser eye surgery. It can cover better dental implants, a better wheelchair, or a better hospital room. You can also get lower coverage to pay less every month.

You have more healthcare options, because you can visit doctors and therapists that don’t accept public health insurance. Doctors often give priority to patients with private health insurance.

With private health insurance, you usually pay for healthcare yourself, and get reimbursed by the insurance company. For big, expensive treatments, the insurance company pays the doctor directly. This is different from public health insurance, where you just show your insurance card and get treated.

Best private health insurance

There are thousands of private health insurance options. There are huge differences between options. The best option depends on your situation.

Do not choose private health insurance yourself. It’s a really bad idea. The best way to choose is to ask a health insurance broker. Their help is free.

Feather sells private health insurance. They are excellent, but they only sell insurance from a few companies. To compare all insurance options, talk to a broker.

Ottonova sells their own private health insurance. It’s rarely the best option.77 Don’t choose Ottonova directly; ask a broker to help you. If Ottonova is a good option for you, they will tell you.76

Other options

Expat health insurance

Expat health insurance is a temporary health insurance. It covers medical emergencies before you can get public or private health insurance. You can sometimes use it to apply for your first visa or residence permit.5 You can’t use it to change or renew an existing residence permit.29

If you are an employee, you might need expat insurance to apply for an opportunity card. You must switch to public or private health insurance when you start working.

If you are a freelancer, use expat insurance to apply for a freelance visa.6 Switch to public or private health insurance as soon as you get your residence permit. If you wait too long, you can be stuck with expat insurance. This is a really bad idea.

If you are a student, public health insurance is a little more expensive than expat insurance, but it’s much better. Switch to public health insurance maximum 3 months after you start university.14 If you wait too long, you can be stuck with expat insurance. This is a really bad idea.

Health insurance for a residence permit

Don’t stay on expat health insurance. It’s a really bad idea. Switch to public or private health insurance as soon as possible. The coverage is bad and the price raises quickly.26 You can rarely use expat insurance for more than 5 years.22

If you develop a health condition while you have expat insurance, it can be really hard to find long-term health insurance, because all insurers will refuse to cover you. You can end up with a really expensive health insurance.

If you want to stay in Germany for a long time, don’t stay on expat insurance. It’s a bad idea because…

  • The price goes up faster
    The cost of expat insurance rises really quickly. If your expat insurance stays valid, it gets more and more expensive. In the long term, public and private health insurance are cheaper.10
  • The coverage is not as good
    Check-ups and dentist visits are rarely covered.26 You usually pay a deductible for basic treatments. Long term treatments (like cancer) are 100% covered, without any deductible.
  • They can stop covering you
    Insurers can end your contract, and refuse to keep covering you. It can be hard to find another health insurance.66

Get expat health insurance from a health insurance broker. Feather and Ottonova sell expat insurance, but brokers compare all options from all insurers.

List of expat insurance options

Travel health insurance

Travel health insurance covers medical emergencies when you visit another country. It does not cover therapy, long-term treatments, health check-ups or pre-existing conditions.

If you visit Germany, travel insurance covers you during your trip. You need travel health insurance to get a Schengen visa. It does not cover you after you move to Germany. It’s rarely valid for a residence permit application.

Get health insurance for a Schengen visa

If you move to Germany, travel health insurance is not valid. You must get public, private or expat health insurance.

If you live in Germany, travel health insurance covers medical emergencies when you when you travel to other countries. It costs around €40 per year.78 If you have private health insurance, it usually includes travel insurance.

Get travel health insurance

Insurance from other EU countries

If you come from another EU country, your health insurance might cover you in Germany. You can only get treatments that are covered by German public health insurance.32 It does not cover repatriation if you are sick. For that, you need travel health insurance.24

If you visit Germany, your EU health insurance covers medical emergencies.23 It only covers treatments that can’t wait until you go home. For example, if you break your ankle on a hike, it covers the hospital visit. If you stay longer than 3 months, you must get German health insurance.38

If you study in Germany, your EU health insurance covers you until you graduate, and during your job search after graduation.39 It covers all treatments that can’t wait until you go back home after your studies. If you start working in Germany, you must get German health insurance.42

If health insurance is cheaper in your home country, EHIC is a good way to save money, because you don’t need German health insurance. Apply for EHIC with your health insurance in your home country.16

More information about EHIC

How to choose

There is no reason to choose your insurance yourself. Ask an expert to help you choose.

Choose public health insurance if…

  • You don’t have a stable income
    If you are not sure you will always have a high income, public health insurance is safer. It costs a percentage of your income, so if you make less, your pay less. If you just started your business or your income is low, choose public health insurance.27
  • You want something that just works
    Just show your card and get healthcare. It takes longer to get an appointment, but you don’t have to deal with any paperwork.
  • You want more than 2 children
    Public health insurance covers your children for free. Private health insurance charges extra for each child. If you have 1 or 2 children, private health insurance can be cheaper anyway.12
  • You pay the student tariff
    The student tariff is a really good deal. If you are a student under 30 years old, public health insurance is usually the best option.59
  • You have pre-existing health problems
    Private health insurers might charge more or refuse to cover you. Even getting psychotherapy can disqualify you. Public health insurance is usually forced to accept you.

Public health insurance is the safest option, because you can always choose private health insurance later.82

Choose private health insurance if…

  • You have stable income
    Private health insurance makes sense if you know you will always have a high income.
  • You want faster doctor appointments
    It’s much easier to find a doctor, a psychotherapist, a paediatrician or a gynaecologist.
  • You want the best coverage
    Private health insurance lets you pay more and get the best coverage for you and your family.
  • You want better treatment
    You can choose a specific doctor, or a specific kind of treatment. For example, you can get innovative therapy or medication that is not yet covered by public health insurance.73 It can cover better dental implants, a better wheelchair, or a better hospital room.
  • You plan to leave Germany in a few years
    You can get short-term private health insurance. It’s up to 50% cheaper, because there is no old age provision.74
  • You can’t choose public health insurance
    If you are a freelancer or a student from a non-EU country, public health insurers might reject you. Private health insurance might be your only option.

Private health insurance is a risky decision. If you are not happy, it’s really hard to switch to public health insurance. Never choose private health insurance yourself. Always ask a broker to help you choose.

Choose expat health insurance if…

  • You apply for an opportunity card
    Expat health insurance is perfect for this. When you find a job, switch to public or private health insurance.
  • You have no other choice
    If you are self-employed and you have pre-existing health problems, it might be your only option. Expat health insurance is usually the cheapest option. It’s a bad long-term solution, but it might be the only insurance you can afford.

Expat health insurance is rarely the best option. It’s often a bad idea. Always ask an expert if it makes sense for you.

German embassies and consulates sometimes accept expat health insurance when you apply for a visa.33 Get public or private health insurance if you can.

The Ausländerbehörde sometimes accepts expat health insurance when you apply for your first residence permit. It does not work when you change or renew your residence permit.21

Health insurance for a visa application

Choose travel health insurance if…

Health insurance for a Schengen visa

Insurance brokers

Don’t choose health insurance yourself. Ask a broker to help you. They help you avoid mistakes. They can get you better, cheaper health insurance. Their help is free.

Talk to a broker (Makler), not an agent (Vertreter). Brokers are independent. They recommend health insurance from different companies. Agents only sell insurance from specific companies.

Choose a broker who works with expats. Your situation is different, and your broker must know how to help you.

Feather is an agent, not a broker. They have an excellent service, but they only sell insurance from a few companies.61 They might not sell the best insurance for your needs.

Ottonova sells their own insurance. It’s rarely the best option.83 Even if you get Ottonova, it’s better to get it through a broker. See my review of Ottonova.

I work with Seamus Wolf. He is honest and knowledgeable, and he speaks English.

How to get insured

1. Understand your options

Use my recommendation tool to know your options. There are two insurance systems and hundreds of options. The best option depends on your situation.

2. Ask an expert to choose

Don’t choose health insurance yourself. Always ask a broker to help you. They ask you the right questions, look at all the options, and help you find the best one. You can get better, cheaper health insurance. Their help is free.

If you choose the wrong health insurance, your residence permit application can be rejected. If you choose the cheapest insurance, you might save money now but lose a lot of money later.

If you are self-employed, never choose health insurance yourself. It’s a really complicated choice, and you can make expensive mistakes.

3. Apply for health insurance

The process is different with each insurer. Your health insurance broker can take care of this.

You only need an ID document and a photo for your insurance card. You do not need a German address or an Anmeldung.63

If you choose private health insurance, you usually need a health check from a doctor.44 It costs around €250.30

If you are self-employed and new in Germany, it can be hard to get health insurance. Public and private health insurers can reject you.

4. Get your documents

Once you are insured, you get…

5. Pay every month

If you have public health insurance, you pay out of your paycheck every month. If you have private health insurance or you are self-employed, you pay by bank transfer or direct debit authorisation.35

What to do next

Tell your employer

When you change your health insurance, you must tell your employer.84 You can do this by email.

Get liability insurance

You should also get liability insurance. It’s the second most important insurance to have. Most Germans have it. There are many types of insurance, but health and liability insurance are the most important.

I got my liability insurance from Feather. If you ask a broker to help you choose health insurance, they can also help you find liability insurance.

How to choose liability insurance

Get travel health insurance

Travel health insurance covers medical emergencies when you visit other countries. It usually costs around €40 per year.78

Your private health insurance usually includes travel insurance, but you should get separate travel insurance anyway. If you see a doctor abroad, there is no deductible, and you don’t lose your no-claims bonus.20

Public health insurance rarely includes travel insurance.

You can get travel insurance from Feather, Envivas or Allianz. I have used Allianz and Envivas, and they worked when I needed them. Envivas paid for helicopter transport and a hospital stay when my friend got sick in the mountains. Some banks like N26 include travel insurance with their premium account.

Other kinds of insurance

Read about the other types of insurance in Germany. The next most important insurances to have are legal insurance and disability insurance.

Types of insurance in Germany

Become an organ donor

If you are new in Germany, register as an organ donor. It’s really easy, and it can save another person’s life.

Sources and footnotes

  1. Techniker Krankenkasse, versicherungspflichtgrenzen.de ⤴

  2. gesundheitsinformation.de, gkv-spitzenverband.de, verwaltung.bund.de (April 2025) ⤴

  3. versicherungspflichtgrenzen.de ⤴

  4. Techniker Krankenkasse (April 2025) ⤴

  5. Emily Archer (April 2025), Feather (April 2025) ⤴

  6. Emily Archer (April 2025) ⤴

  7. Seamus Wolf (April 2025), Emily Archer (April 2025) ⤴

  8. Seamus Wolf (April 2025) ⤴

  9. FinanXpats (April 2025), Feather Insurance (April 2025) ⤴

  10. krankenkassenzentrale.de, tk.de ⤴

  11. krankenkassen.de (February 2025), aok.de, aok.de, Arbeitsagentur ⤴

  12. Seamus Wolf (April 2025), Mona Anbari (April 2025), Emily Archer (April 2025), finanztip.de (January 2025), FinanXpats (April 2025) ⤴

  13. arzt-wirtschaft.de (2024), sueddeutsche.de (2024), study (2013) ⤴

  14. Feather Insurance (April 2025) ⤴

  15. Seamus Wolf (April 2025) ⤴

  16. verwaltung.bund.de ⤴

  17. blog.feather-insurance.com ⤴

  18. reddit.com/r/germany ⤴

  19. Feather Insurance (April 2025) ⤴

  20. Seamus Wolf (April 2025), Mona Anbari (April 2025) ⤴

  21. Emily Archer (April 2025), multiple relocation consultants (2025) ⤴

  22. care-concept.de (April 2025), mawista.com (April 2025), Feather Insurance (April 2025) ⤴

  23. health-insurance.de (April 2025), ec.europa.eu (April 2025) ⤴

  24. dvka.de, Seamus Wolf (April 2025) ⤴

  25. tk.de, krankenkassen.de ⤴

  26. Mona Anbari (April 2025) ⤴

  27. finanztip.de (January 2025), Feather Insurance (April 2025), Emily Archer (April 2025) ⤴

  28. finanztip.de (January 2025), Mona Anbari (April 2025) ⤴

  29. Facebook ⤴

  30. Seamus Wolf (April 2025), Emily Archer (April 2025) ⤴

  31. pkv.de (April 2025) ⤴

  32. verwaltung.bund.de (April 2025) ⤴

  33. Emily Archer (April 2025) ⤴

  34. verbraucherzentrale.de (January 2025) minijob-zentrale.de (February 2025) ⤴

  35. Personal experience (2025), Seamus Wolf (April 2025) ⤴

  36. minijob-zentrale.de (February 2025) ⤴

  37. verbraucherzentrale.de (February 2025) ⤴

  38. Feather Insurance (2023) ⤴

  39. Feather Insurance (2023) ⤴

  40. krankenkassen.de (February 2025) ⤴

  41. krankenkassen.de (February 2025), Seamus Wolf (April 2025) ⤴

  42. feather-insurance.com (2023), verwaltung.bund.de (April 2025) ⤴

  43. Mona Anbari (April 2025) ⤴

  44. Seamus Wolf (April 2025), Emily Archer (April 2025) ⤴

  45. Techniker Krankenkasse (May 2025), familienportal.de (May 2025) ⤴

  46. Techniker Krankenkasse (January 2025), Techniker Krankenkasse (March 2025), meinpraktikum.de (March 2025) ⤴

  47. Feather Insurance (2023) ⤴

  48. AOK (March 2025), Check24 (March 2025), Techniker Krankenkasse (March 2025) ⤴

  49. Techniker Krankenkasse (March 2025), §20 Abs. 3 SGB IV, praktikum-guide.com (April 2025), haufe.de (April 2025) ⤴

  50. student-kv.de (April 2023) ⤴

  51. Seamus Wolf (April 2025) ⤴

  52. azubi-krankenkasse.de (March 2025), Check24 (March 2025), gesetzliche-krankenkassen.de (March 2025) ⤴

  53. gesetzliche-krankenkassen.de (March 2025) ⤴

  54. gesetzliche-krankenkassen.de (March 2025) ⤴

  55. Emily Archer says that the amount is not fixed, but that insurers need to see that you can cover your insurance bills (April 2025), Seamus Wolf (April 2025) ⤴

  56. Dr. Rob Schumacher (April 2025) ⤴

  57. Carina Busch, Seamus Wolf (April 2025) ⤴

  58. Seamus Wolf (April 2025), finanztip (February 2025), verbraucherzentrale.de (2024) ⤴

  59. finanztip.de (January 2025) ⤴

  60. Seamus Wolf (April 2025) ⤴

  61. Emily Archer (April 2025), Seamus Wolf (April 2025), multiple insurance brokers (2024, 2025) ⤴

  62. €250 to €350 (FinanXpats) (April 2025), €250 to €390 (Feather) (April 2025), €260 to €350 (Ottonova) (April 2025) ⤴

  63. Seamus Wolf (May 2025) ⤴

  64. praktikum-guide.com (April 2025) ⤴

  65. DAK (April 2025), check24.de (April 2025) ⤴

  66. Seamus Wolf (April 2025) ⤴

  67. meinpraktikum.de (April 2025), student-kv.de (April 2025) ⤴

  68. check24.de (April 2025) ⤴

  69. Seamus Wolf (April 2025) ⤴

  70. online-pkv.de (January 2025) ⤴

  71. Emily Archer (April 2025) ⤴

  72. Mona Anbari (April 2025) ⤴

  73. Mona Anbari (April 2025) ⤴

  74. Seamus Wolf (April 2025) ⤴

  75. Seamus Wolf (April 2025) ⤴

  76. Seamus Wolf (April 2025) ⤴

  77. Seamus Wolf (April 2025) ⤴

  78. Feather Insurance, Seamus Wolf (April 2025) ⤴

  79. Emily Archer (April 2025), Seamus Wolf (April 2025) ⤴

  80. Emily Archer (April 2025) ⤴

  81. Mona Anbari (April 2025) ⤴

  82. Seamus Wolf (April 2025) ⤴

  83. Seamus Wolf (April 2025) ⤴

  84. check24.de (May 2025), krankenkassen.de (May 2025) ⤴

  85. check24.de (May 2025) ⤴