Every resident in Germany must have health insurance. Pick the right public or private fund before your first day at work.
Largest public fund (GKV). 17.29% total contribution for 2026 — among the cheapest big public funds.
Best for Employed expats and PhD students who need public GKV
English-first insurance broker. Newcomer plan €72/month, Extended plan €118/month. Best for expats wanting fully digital signup.
Best for New arrivals on a visa-applicant or expat-package path
Public fund with strong English service. 17.29% total contribution for 2026 (3.29% Zusatzbeitrag).
Best for Public-fund members who want an English hotline
Regional public funds. Total contribution varies 17.07% to 18.10% across federal states.
Best for Members outside major cities — strong regional doctor networks
Pricing note: Rate varies by region — Rheinland-Pfalz cheapest at 17.07%, Nordost most expensive at 18.10%
Care College plan for language school students and visa applicants. Care Student plan starts at €95.59/month for degree students.
Best for Language students and short-term visa applicants
MAWISTA Student plan for international students from €28/month. Up to 5 years coverage, cancel any month.
Best for Au pairs, job seekers, and language students
Digital private health insurer. First Class Expats tariff from €196/month at age 32. Designed for non-EU expats on limited residence permits (under 5 years).
Best for Non-EU expats on a limited residence permit
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4 krankenkasse questions.
