German health insurance calculator

This calculator helps you choose health insurance in Germany. It shows you insurance prices for employees, students and freelancers.

What is your occupation?

What is your income?

€ per month

How old are you?

years old

Do you have children?

Yes No

You pay the {{ tarifName }} tarif.

In your case, there are ways to get insured for free.

Family insurance

If your parents or your spouse have German public health insurance, their insurance can cover you for free.

If your spouse has German public health insurance, their insurance can cover you for free.

Free

ALG I or II

If you get ALG I or ALG II, you don't pay for health insurance. The Jobcenter pays for it.

Free

European Health Insurance Card

If you have a EHIC from another country, you might not need German health insurance.

Free

You can get public health insurance. There are over 100 public health insurers in Germany. TK, AOK and Barmer are the biggest ones.

Techniker Krankenkasse

The largest health insurer in Germany. They have English-speaking support.

/ month / month

AOK (Nordost)

The second largest public health insurer. They have 11 million members.

/ month

Barmer

The third largest public health insurer. They have almost 9 million members, and an English-speaking Expat Hub.

/ month

In your case, you can also get private health insurance. It might be better and cheaper for you.

Talk to a broker

A health insurance broker can help you choose the best insurance for your situation. It's the best way to get private health insurance. Their help is free.

Talk to a broker

Tarifcheck

Tarifcheck compares private health insurance prices. It only shows you prices. It does not help you choose health insurance. It's better if you talk to a broker.

Compare prices

Feather

Feather is a health insurance broker. They speak English, and they have a lot of experience with expats. Their help is free.

Visit website

Ottonova

Ottonova is a private health insurer. They are popular with expats because they speak English.

Visit website

Künstlersozialkasse (KSK)

If you are a freelance artist, you can join the KSK. The KSK acts as your employer, and pays half of your health insurance.

More info

Health insurance is part of your salary deductions. Use my income tax calculator to see your total salary deductions.

If you need more help, you can read my German health insurance guides, or talk to a health insurance broker.

How to choose German health insurance ➞

Health insurance for your German visa application ➞

B-Protected is an independent insurance broker in Berlin. Daniel will answer your questions within one business day. This is a free service.

Occupation

Your question

Name

Income

Date of birth

Phone number

German health insurance calculator

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