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Statu­tory or private health insurance? Diffe­rences and advan­tages

When it comes to your health, making the right decisions is all-important - especially choosing the right health insurance. Statutory health insurance in Germany offers numerous advantages. Read on to discover what statutory cover offers compared to a private policy. 

Diffe­rences between statu­tory and private health insurance

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Health insurance is mandatory in Germany and consists of private and statutory health cover. Find out the differences between the 2 systems.

Statutory and private health insurance: the differences explained

Great advan­tage: free cover for family members

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With statutory health insurance, your family members are generally covered for free and enjoy the same wide range of services and benefits as you.

Health cover? It's a family affair

 

Volun­tary membership: when is private cover an option?

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If you are self-employed or voluntarily insured, you can choose between private or statutory health insurance. We explain the long-term consequences of this decision and what you need to bear in mind.

Voluntary insurance: when is private cover an option and what are the risks?

Private health insurance: hidden costs and paper­work

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Private health cover comes with hidden costs such as deductibles, benefit exclusions and limitations. And because you are billed for each service individually, as a private insuree you have to manage a lot of paperwork in German.

Private health insurance: hidden costs and German paperwork

Private health cover: a deci­sion for life

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Switching from private health insurance back to statutory health insurance is usually difficult. Therefore you need to be aware of the potential risks in old age.

Private health insurance: a decision for life

Self-employed: private cover premiums are based on risk

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The self-employed and freelancers can choose between statutory and private health cover. Before opting for private health insurance, insurees should be aware of the potential risks and take measures early on to compensate for rising premiums.

Private cover and the self-employed

Services and bene­fits

We offer an impressive range of English-language benefits and digital services. Our apps, for example, allow you to manage your health insurance, send invoices, get sick notes etc. right from your phone.
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