Insurance Banner

1. Faster appointments and better care:

Private patients have faster access to specialists and medical appointments. They also benefit from preferential services and benefits, such as access to senior consultants and single rooms in hospital.

2. More affordable compared to public:

Young and healthy persons in particular benefit from low contributions. This is because the contribution is calculated on the basis of a person's age and state of health, not their income. There are no age-related increases in contributions.

3. Int. cover tailored to your needs

You can choose your own individual health insurance plan. Would you like premium, comfort or basic cover? Worldwide medical care is always included. Feel as protected when you travel as you do at home. Without compromise.

Private Health Insurance Calculator

Your Details

Your Age

Yearly income (€)

Occupation

Employed

Self-employed

Monthly Premium

Basic plan

0.00€

Total Estimated Monthly Premium

0.00€

Versicherungsvergleichstabelle

Premium

	Premium Private Health Insurance	Top Private Health Insurance	Basic Private Health Insurance	Public Health Insurance
General
Dependents coverage	Individual contribution Newborns first 12 months free	Individual contribution Newborns first 12 months free	Individual contribution Newborns first 12 months free	No extra cost
Worldwide coverage and repatriation	✓	✓	✓	✗
Transports	✓	✓	✓	✓
Sick pay allowance	Add-on available Up to 100% of net income possible	Add-on available Up to 100% of net income possible	Add-on available Up to 100% of net income possible	Partially covered Max. approx. 3,001.50€
Outpatient
General doctor visits	✓	✓	✓	✓
Private doctor visits	✓	✓	✓	✗
Medicines and bandages	100%	80% up to 2,000.00€ Above that 100%	80% up to 4,000.00€ Above that 100%	90%
Vaccinations	✓ Incl. travel vaccinations	✓ Incl. travel vaccinations	✓ Incl. travel vaccinations	✓
Inpatient/Hospital
Free choice of doctor (incl. senior consultant)	✓	✓	✗	✗
Accommodation	Private room (1 bed)	Two-bed room	Multi-bed room	Multi-bed room
Access to private hospitals	✓	✓	✓	✗
Dental Services
Annual coverage limit	No limit 1,500€ 1st calendar year 3,000€ 2nd calendar year 4,500€ 3rd calendar year 6,000€ 4th calendar year Unlimited as of 5th calendar year	No limit 1,000€ 1st calendar year 2,000€ 2nd calendar year 3,000€ 3rd calendar year 4,000€ 4th calendar year Unlimited as of 5th calendar year	4,000.00€ 500€ 1st calendar year 1,000€ 2nd calendar year 1,500€ 3rd calendar year 2,000€ 4th calendar year 4,000€ as of 5th calendar year	No limit but statutory restricted range of treatments
Orthodontics	90%	80%	70%	80% – 100% - Children/teenagers up to 18 years - Adults only in case of severe jaw anomalies
Dental treatment	✓	✓	✓	✓
Dental cleanings	✓	✓	✓	only for children
Dentures and inlays	90%	80%	70%	50%
Dental checkups	✓	✓	✓	✓
Treatment & Therapies
Therapeutic measures	100%	80% up to 2,000.00€ Above that 100%	80% up to 4,000.00€ Above that 100%	90% But limited sessions
Medical aids	100%	80% up to 2,000.00€ Above that 100%	80% up to 4,000.00€ Above that 100%	75% - 90%
Preventive care treatments	✓	✓	✓	✓ Statutorily restricted range of treatments and age limits
Alternative practitioner	80% Up to 2,400.00€ per year	80% Up to 1,200.00€ per year	✗	✗
Psychotherapy	90%	80%	70%	75% Max. 50 sessions p.a.
Eyes
Vision aids	450.00€ Every two years	300.00€ Every two years	150.00€ Every two years	only for children
Refractive eye surgery	2,500.00€ per eye Every five years	1,500.00€ per eye Every five years	✗	✗

Conclude our application process

You will be asked a few questions to help us prepare your private health insurance application. Take your time. It is worth it.
Click here to start the process.

We review your information

On receipt, we will review the information provided and prepare the application documents ready for signature. Something is unclear? We will contact you by email.

Final check and signature

We will send you a final offer with all the details of your insurance cover and an application form. You check, sign and return the documents to us by email.

We submit your application

Upon receipt, we will send the signed documents, to the insurance company on your behalf. You will receive an insurance confirmation within three working days.

Kartenlayout mit individuellen Icons

Your martial status

Are you single and planning to start a family in the near future, and are you the only person with an income? In this case, private health insurance premium will increase because your relatives cannot be co-insured with you free of charge. However, if both partners work, the situation looks better.

Retirement in Germany

What happens when you retire? Premiums to private health insurance will decrease, as the 10% statutory surcharge no longer applies at 60 and the premium to daily sickness allowance ceases when you retire. Nevertheless, the premium can then be higher than for public health insurance.

When you are young

Private health insurance premiums depend on your age. This means that the younger you are, the lower your premium will be. Your income has no effect on your premium. This only applies to public health insurance.

When you are healthy

As well as your age, your health is also important. Certain pre-existing conditions can result in a surcharge or even rejection by the insurance company. The healthier you are, the better for your premium.

International coverage tailored to your needs

When your partner also works

For a family with only one working parent, private insurance is often more expensive than public, where family members are co-insured for free. This changes if both partners work, as the spouse then has to pay premiums as well.

24+ years of experience

For over 24+ years, we have specialised in advising expats on health insurance. Expats have special needs, which is why we are the right partner for you.

We are by your side

We are your insurance partner throughout your entire stay in Germany. Do you have a question or need assistance? Contact us and we will be happy to help.

Personalised coverage and advice

Do you want to be sure which insurance is best for you? We are here to help. Contact us and make an appointment to discuss your individual solution.

The application process can be completed within a few minutes, obtaining the coverage is also quite quick. Employees and students can anticipate their coverage to be verified in 2-3 days. If it is extremely urgent, please contact us directly and we will expedite the process significantly.

No, if you apply for private health insurance you will not automatically receive your pension insurance number. In this case you must contact your HR department who will take care of the application for you.

Yes. A few weeks after the insurance company confirmed your membership, you will receive your health insurance card which you can show at any doctors appointment.

As soon as your membership is confirmed, you're immediately eligible to see a physician without any delay. Just find a local doctor who communicates in the language you're most comfortable with and schedule your visit either by phone or online. Always bring your health card to the doctor as you will be asked for it. This is the only item you'll need to provide.

Yes, your wife and children can be co-insured. In this case every family member will receive an individual calculation. Newborns are covered for free for the first 12 months.

If you are employed, the whole contribution will be deducted from your bank account. The employers contribution will be added via your pay slip.

Yes, as it does with public health insurance as well. The increase will never be individual from spendings that the insurance company has through you or because you are getting older but comes from medical inflation for example. Historic data shows an expected increase per year of 2-3%. Public health insurance has an estimated increase of 4% over the last 10 years.

Usually, you have the right to switch back to public health insurance. Under certain circumstances we can check if it is possible to stay with private. Please contact us via in this case. We will then check your situation individually.

In this case you have a special termination right. Please sent us a deregistration certificate so that we can take care of your termination.

With CAPE by your side

Private Health Insurance

Main advantages of Private Health Insurance

1. Faster appointments and better care:

2. More affordable compared to public:

3. Int. cover tailored to your needs

Private Health Insurance Calculator