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1. Shorter waiting times, better care

Private patients are prioritized when booking appointments with specialists - and you get access to senior consultants and private hospital rooms.

2. Low contributions for high earners

If you’re young and healthy, private insurance can be significantly cheaper than public. Your contributions are based on age and health – not income.

3. Worldwide coverage, no compromise

Private health insurance protects you globally, just like at home. You choose the plan that fits your lifestyle – from basic to premium.

Private Health Insurance Calculator

Calculate your private health plan

Your Details

Your Birth Year

Yearly income (€)

Occupation

Employed

Self-employed

Monthly Premium

Basic plan

0.00€

Total 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	✗	✗

1. Answer a few questions

Tell us a bit about your situation – we’ll use it to prepare your application.
[Click here to start the process]

2. We take care of the paperwork

We review your answers and prepare everything. If we need anything else, we’ll email you.

3. Final check & signature

You’ll receive your final offer and application documents by email. Check them and send them back signed.

4. We submit your application

We send everything to the insurance company for you. You’ll get your confirmation within 3 working days.

Kartenlayout mit individuellen Icons

Planning to start a family?

In private insurance, family members aren’t covered for free like in the public system. If you're the only one earning, the total premium can increase — since each person needs their own policy. But if both partners work, private insurance often remains a cost-effective and high-quality option.

Thinking about retirement?

Once you retire, certain surcharges end — like the 10% statutory fee and income protection premiums. Still, private insurance can be more expensive than public in retirement. We’ll help you weigh the pros and cons for your long-term plans.

If you’re young

The younger you are, the lower your private insurance premium. Unlike public insurance, your income doesn’t affect what you pay.

If you’re in good health

The healthier you are, the better your premium. Pre-existing conditions may lead to a surcharge or even rejection by the insurer.

International coverage tailored to your needs

If both partners work

In private insurance, each person needs their own plan. If you're the only earner, that can get expensive. But when both partners have income, it’s often a great fit.

25+ years of experience

We’ve helped thousands of internationals find the right health insurance in Germany – with expertise, clarity, and care.

We are by your side

Whether it’s paperwork, updates, or urgent support – you can count on us throughout your time in Germany.

Insurance made personal

Every expat situation is different. We help you find the best plan for your needs, your visa, and your future.

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. Shorter waiting times, better care

2. Low contributions for high earners

3. Worldwide coverage, no compromise

Calculate your private health plan