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Private Health Insurance

Better care. Less waiting. More choice.

Private health insurance

is an alternative to the public health system offered by private insurers in Germany. Instead of income, contributions depend on your age, health status, and the coverage you choose. This allows for more flexibility and often faster access to doctors, hospitals, treatments and additional comfort such as private hospital rooms. Private insurance is an option if your income is above the legal threshold or if you are self-employed. It ensures full legal compliance, is fully recognized for all visa and residence permit applications, and can provide broader benefits compared to the public system.

Enhanced comfort - private rooms and premium services
Lifetime coverage – insurer cannot cancel your policy
Tailored benefits - according to your needs
Specialist access - direct treatment by top doctors
Flexible Coverage Illustration

Premium care at lower cost

With private insurance, you often pay less than in public while enjoying a higher level of coverage and premium medical services.

Bicycle Protection Illustration

Fast-track access to doctors

As a private patient you can choose between public and private doctors and get quicker access to the care you need.

Flexible Duration Illustration

Worldwide coverage

Enjoy global protection with private health insurance. Choose the plan that matches your lifestyle, from basic to premium.

Private Health Insurance Calculator

Private Health Insurance

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Monthly contribution
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Basic plan
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Health Insurance

Health insurance comparison

Features
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
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
✓
✓
✓
✗
Worldwide coverage and repatriation
✓
✓
✓
✗
Transports
✓
✓
✓
✓
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€
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€

At the doctor

General doctor visits
✓
✓
✓
✓
General doctor visits
✓
✓
✓
✓
Private 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%
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
✓
Vaccinations
✓
Incl. travel vaccinations
✓
Incl. travel vaccinations
✓
Incl. travel vaccinations
✓

In hospital

Free choice of doctor (incl. senior consultant)
✓
✓
✗
✗
Free choice of doctor (incl. senior consultant)
✓
✓
✗
✗
Accommodation
Private room (1 bed)
Two-bed room
Multi-bed room
Multi-bed room
Accommodation
Private room (1 bed)
Two-bed room
Multi-bed room
Multi-bed room
Access to private hospitals
✓
✓
✓
✗
Access to private hospitals
✓
✓
✓
✗

Dental

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
Annual coverage limit
No limit
1,500€ 1st year, 3,000€ 2nd year, 4,500€ 3rd year, 6,000€ 4th year, Unlimited as of 5th year
No limit
1,000€ 1st year, 2,000€ 2nd year, 3,000€ 3rd year, 4,000€ 4th year, Unlimited as of 5th year
4,000.00€
500€ 1st year, 1,000€ 2nd year, 1,500€ 3rd year, 2,000€ 4th year, 4,000€ as of 5th 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
Orthodontics
90%
80%
70%
80% – 100%
Children/teenagers up to 18 years; Adults only in case of severe jaw anomalies
Dental treatment
✓
✓
✓
✓
Dental treatment
✓
✓
✓
✓
Dental cleanings
✓
✓
✓
only for children
Dental cleanings
✓
✓
✓
only for children
Dentures and inlays
90%
80%
70%
50%
Dentures and inlays
90%
80%
70%
50%
Dental check
✓
✓
✓
✓
Dental check
✓
✓
✓
✓

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
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%
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
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
✗
✗
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.
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
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
✗
✗
Refractive eye surgery
2,500.00€ per eye
Every five years
1,500.00€ per eye
Every five years
✗
✗
Insurance Process Overview

The application process

Answer a few quick questions

Tell us about your job, income and health. We'll use it to prepare your application.

Start the Process

We prepare your application

We pre-fill all forms, request anything missing (e.g. health details) and keep you posted, no paperwork on your side.

Final review & signature

You receive your final offer and documents by email. Review them, ask questions if you like and sign it.

Submission & confirmation

We submit everything and handle the insurer’s confirmation. It usually arrives within a few days, complex medical cases can take longer.

When private fits best

You know what’s covered – apply now.

Enjoy the security of knowing your health insurance is in place.

Versicherungsmakler Modul

What to consider before going private

Planning to start a family?

Unlike in the public system, spouses and children are not automatically insured free of charge under private health insurance. Each family member requires their own policy and contribution. This can become expensive if only one partner has an income. However, for dual-income households, private insurance often remains a cost-effective solution with high-quality benefits.

Modernes Zuhause

Thinking about retirement?

When you retire, certain surcharges such as the 10% statutory surcharge or contributions for income protection no longer apply. Still, private insurance is often more costly than public insurance in retirement, since contributions are based on your chosen tariff and not linked to income. That’s why it’s important to plan ahead and think early about how you will cover contributions later in life.

Professionelle Beratung
PKV Ausland Banner

Still abroad? No problem!

Apply for private health insurance from anywhere in the world.
Start your application today, quick and fully digital.

Why CAPE?

Best pre-selected coverage

Choose one of the best tariffs on the market, carefully selected to provide optimal protection.

Easy digital signup

Do you prefer a simple process? Everything is handled fully digital, no paperwork, everything in English.

Personal support

Your personal advisor is always at your side, ready to help with any questions or concerns.

Let Anna explain

Not sure what’s covered or if private health insurance is the right option for you? Anna explains everything you need to know about the private health system, clear and simple.

Still open questions? - Contact us:

contact@cape-insurance.com
+49 (0) 2272 937 41 02

Meet Anna, Your Virtual Assistant

Anna was created to guide you through your visit to our website and provide clear, detailed explanations of any insurance you're interested in.

Still open questions? - Contact us:

contact@cape-insurance.com
+49 (0) 2272 937 41 02

Frequently asked questions

Duration of the sign-up process+
The application process only takes a few minutes and can even be completed from abroad. Coverage is usually confirmed within 2–3 days. If your case is extremely urgent, please contact us directly. We will then expedite the process for you.
Will I receive a pension number?+
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.
Will I receive an insurance card?+
Yes. After some time following the confirmation of your membership, you will receive your health insurance card, which you can present at any doctor’s appointment.
How works a doctor visit?+
As soon as your membership is confirmed, you're immediately eligible to see a doctor or dentist. Just find a local doctor who communicates in the language you're most comfortable with and schedule your visit either by phone or online.
Can my family be covered as well?+
Yes, your spouse and children can be co-insured. Each family member will receive an individual calculation, while newborns are covered free of charge during their first 12 months.
How does the contribution work?+
If you are employed, the whole contribution will be deducted from your bank account. The employer's contribution will be added via your pay slip.
Will the contribution increase over time?+
Yes, as with public health insurance. Increases are not based on your personal usage or age, but mainly on general factors such as medical inflation. Historically, contribution adjustments in both private and voluntary public health insurance have been increasing by around 3–4% per year on average
What will happen if I become unemployed?+
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 in this case. We will then check your situation individually.
What happens when I leave Germany?+
In this case, you have a special right of termination. Please send us your deregistration certificate so that we can seamlessly handle the cancellation on your behalf.

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Explore our other policies

Explore our other policies

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Universal public health coverage for all individuals.

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Covers claims for causing bodily injury or property damage to others.

Household Contents Insurance

Protects your mobile belongings inside and outside your home.

Dog Liability Insurance

Covers damage caused by your dog to another person or their property.

See your contribution. Decide when you're ready.
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