Health insurance in Germany
Health insurance for Germany with Mondassur covers you whatever your profile! Enjoy the country in complete safety and tranquillity.
Germany, the heart of Europe, offers an enriching experience for students, expatriates, retirees and vacationers alike. With historic cities like Berlin, Munich and Hamburg, diverse landscapes ranging from the forests of the Black Forest to the fairytale castles of Bavaria, and a dynamic economy, Germany has it all. Students benefit from prestigious universities and numerous research opportunities. Expatriates appreciate the high quality of life, efficient healthcare system and rich culture. Holidaymakers, meanwhile, are charmed by festivals, tasty cuisine and historic sites.
To help you make the most of your stay in Germany, our private health insurance offers comprehensive coverage tailored to your needs. Whether you’re a student, expatriate, retiree or vacationer, discover Germany with peace of mind thanks to our insurance plans. Welcome to Germany, where tradition and modernity meet at every street corner.
Whatever your situation and the reason for your stay in Germany, it’s important to think about insurance. There are many advantages to international health insurance, so you can leave with peace of mind. So don’t forget to ask for a health insurance quote for Germany! What do you need to know about the German healthcare system?
Student insurance Germany
The insurance that covers your stay for your studies in Germany.
From
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Germany
Health insurance to cover your expatriation to Germany.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance Germany
International health insurance to cover your trip to Germany.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of baggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need some advice?
Information on health insurance in Germany
Political system: Federal Republic
Capital: Berlin
Area: 357,027 km²
Population: 83.8 million
Languages spoken: German
Currency: Euro
How does the German healthcare system work?
The German healthcare system has a very particular way of working, which depends entirely on your situation.
- You work in Germany, do not have secondment status, and earn less than €62,550 gross per year, but more than €450 per month (which is often the case for trainees): You must be affiliated to the German public health system. Your employer takes care of all the administrative formalities. You are free to choose your doctor or hospital, and the quality of care is generally very good. On the other hand, the fees charged are rather high, and the public health fund covers only part of the cost. Foreigners can be exempted from the German public health system if they are in possession of the European Health Insurance Card. However, they must plan to stay in Germany for less than a year. Whatever your situation, complementary health insurance in Germany is highly recommended. Reimbursement ceilings are fairly limited.
- If you earn more than €62,550 gross per year, are self-employed or a student: You have the choice of taking out private health insurance or joining the public system. It may therefore be worthwhile to take out an international health insurance policy for expatriates known as “au 1er euro” or a complementary health insurance policy. In this way, you can benefit from the best possible health cover during your stay in Germany. What’s more, for long-term expatriates, the return to the German public health system is very complicated when you come from the private sector.
Do I need health insurance for Germany?
Whatever your reason for moving to Germany, we strongly advise you to take out private insurance. Health establishments in different parts of the country charge different prices. What’s more, the reimbursement rates offered by the German public system do not cover all costs. It is therefore very important to take out insurance before you leave for Germany, to ensure that you are not left without coverage. Coverage such as third-party liability should also be taken into account, as it is not usually included in EHIC cover.
What are the healthcare costs in Germany?
Here are some more precise figures on healthcare costs in Germany:
- GP consultation: Approx. €35.
- Specialist consultation: Approx. €80.
- Hospitalization: Hospitalization costs vary according to many factors, including length of stay, care required and type of room. On average, the cost of a day’s hospitalization in Germany is around €400.
- Dental care: The cost of dental treatments, such as crowns, bridges and implants, varies according to the type of treatment and region, but can easily run into the hundreds or even thousands of euros.
Which health insurance is right for Germany?
Expatriate Health Insurance Germany
The Mondassur GoldExpat insurance policy is available in 3 offers, depending on your situation, your needs and your budget. This allows you to benefit from the following advantages:
- Coverage of your healthcare costs in the private sector.
- Repatriation for major operations.
- You can choose choose the doctor and health facilities of your choice.
- Health coverage that remains valid during your temporary to your country of origin.
It is therefore possible to take out expatriate health insurance from Germany. However, we strongly advise you to do this before you leave, so that you can take advantage of the benefits as soon as possible. For more information on our GoldExpat packages, please don’t hesitate to contact us by email or telephone. Our team of advisors will be delighted to help you!
Student Health Insurance in Germany
Mondassur offers a range of plans designed specifically for students on international assignments. Whether you’re on an internship or a university exchange, we can offer you 2 plans: Junior International and Premium Access. Among the important coverages to take into account, you’ll find the following:
- 24/7 medical assistance platform
- Direct payment in the event of hospitalization
- 100% reimbursement of actual medical expenses
- Repatriation assistance
- Civil liability
These contracts also cover you for any trips or excursions outside Germany.
Travel insurance in Germany
Depending on the criteria you’re looking for, our advisors will help you find the international health insurance that’s right for you and your budget. Request a free quote online today!
