How Much Does German Public Health Insurance Cost?
The cost of public health insurance depends on your income. Usually it is between 180€ (lower income) and 800€ (higher income).
As of 2019, the German state healthcare contribution is 14.6% of your income. Your employer and you split this cost equally. In other words, your employer is responsible for paying 7.3% and you’re responsible for paying the other 7.3%. For example, if you make 1,000€ per month then your state healthcare contribution is 146€. Your employer and you would split this and each pay 73€. Your state healthcare contribution is taken directly from your paycheck.
All necessary medical services are covered under public health insurance. Usually there are no additional costs. Examples include general practitioner visits and immunizations. In some cases you have to make a small copayment. For example, the copayment for prescription medicines is between 5€ and 10€.
There are some medical services that public health insurance providers do not consider necessary. Examples include major dental work or private hospital rooms. For these types of medical services you would have to pay an additional cost.
If you would like to get insurance for additional medical services then you can purchase supplementary private health insurance. Supplementary private health insurance tops off your public health insurance. You can get insured for things like alternative medical treatments or premium dental care.
Benefit Of Cost Based On Income
As mentioned above, the cost of public health insurance based off your income. This might be a disadvantage for people earning more than 60,750€ per year. However, there is an advantage as well. If you lose your job or retire then the price you pay for public health insurance will decrease. To the contrary, the cost of private insurance will increase as you get older, regardless of your job status.
Which German Public Health Insurance Should You Choose?
Services & Rates
The the amount of medical care that public health insurance providers cover is very similar. Therefore, the biggest difference is the quality of their customer services and their additional contribution rates.
TK Services in English
Techniker Krankenkasse (TK) is one of the best public health insurance companies, especially for expats. TK has a website and reliable customer support, both in English. Their application forms are also available online and in English.
TK Additional Contribution
TK’s additional contribution rate is consistently one of the lowest rates of all insurance companies in Germany. As of 2021, TK’s additional contribution rate is only 1,2% of your income. Since January 1, 2019 the additional contribution rate is split between employers and employees. Therefore, if you have TK then you only pay 0.6%.
* See our FAQ below to learn more about Germany’s healthcare contribution rates.