medium_Physiotherapy-in-Germany_-Cost-Coverage-Explained.png

small_Physiotherapy-in-Germany_-Cost-Coverage-Explained.png

thumbnail_Physiotherapy-in-Germany_-Cost-Coverage-Explained.png

Physiotherapy-in-Germany_-Cost-Coverage-Explained.png

Published 250+ guides on insurance. Read by over 100,000.

Theo Leimer Hero.png

Theo Leimer, insurance expert in Europe

Theo_leimer_1.png

About Theo

Theo_Leimer_teaching.png

Collaborating at Feather

Theo_leimer_work_setup.png

Quality criteria

Theo Leimer verifying information on his phone 

Theo Leimer verifying information on his phone.png

Credentials & licensing

Theo Leimer

Physiotherapy in Germany

Back pain, sports injuries, and post\-surgery recovery are just a few reasons someone might need physiotherapy.


Whether you’re dealing with a chronic issue or bouncing back from an injury, these treatments can help you move better, feel better, and return to your daily routine.


But how much does physiotherapy cost in Germany, and will your health insurance pay for it?


In this guide, you’ll learn:


- What physiotherapy is and when it’s needed
- How much treatment usually cost in Germany
- What’s covered by public, private, and expat insurance
- Types of physiotherapy and how to access care


Let’s dive in.


## What is physiotherapy?


Physiotherapy is a type of medical treatment that focuses on restoring movement and function. It can help relieve pain, prevent injuries, improve rehabilitation, and increase overall mobility.


Physiotherapists use hands\-on techniques, guided exercises, and sometimes equipment (like resistance bands or ultrasound) to help patients regain strength, coordination, and flexibility.


Common reasons for physiotherapy include:


- Recovering from surgery or an accident
- Managing chronic pain, especially in the neck, back, or joints
- Treating sports injuries like sprains, strains, or tendonitis
- Improving posture and alignment
- Rehabilitating after a stroke or neurological condition


Depending on the treatment plan, a session usually lasts **20 to 60 minutes**. Patients may attend several sessions over a few weeks or longer, depending on their needs.


## How much does physiotherapy cost in Germany?


Physiotherapy prices in Germany are generally affordable, averaging €30 per session, but the exact costs vary depending on the type and length of treatment and the physiotherapy center’s location.


Here’s a general idea of what you can expect to pay:




| **Physiotherapy type** | **Average cost per session** |
| --- | --- |
| General physiotherapy (30 min) | €30 – €50 |
| Manual therapy | €35 – €60 |
| Lymphatic drainage | €40 – €70 |
| Electrotherapy or ultrasound (add\-on) | €10 – €25 |
| Extended therapy (60 min) | €60 – €80 |


Costs are higher in private practices or urban centers like Berlin, Munich, or Frankfurt. The price can increase if additional treatments (like hot/cold therapy or massage) are included.


Most patients complete a full course of treatment over **6 to 12 sessions**, which can cost several hundred euros unless insurance covers it.


## Does German health insurance cover physiotherapy?


**Yes, if your doctor prescribes it.** 


However, the amount they cover (and how easy it is to access care) depends on your insurance type.


### With public health insurance (GKV)


Public insurers like TK or AOK typically cover **up to 90%** of the cost of prescribed physiotherapy. 


Here’s what that usually means:


- **You need a prescription** from a general practitioner or specialist
- **You pay a co\-payment**: 10% of the treatment cost plus €10 per prescription.
- Coverage is limited to medically necessary treatment.
- Maximum of 6–10 sessions per prescription, extendable if needed


For example, if a session costs €50 and you have 6 sessions, the total is €300\. Insurance pays €270, and you pay €30 \+ €10, meaning a total of **€40 out\-of\-pocket**.


### With private health insurance (PKV)


Private health insurance in Germany generally offers **comprehensive coverage** for physiotherapy.


To qualify for reimbursement, three conditions typically need to be met:


- A **licensed medical doctor** has issued a prescription (indicating the treatment is necessary to treat or alleviate a health condition)
- The treatment is delivered by a **registered healthcare provider**, such as a licensed physiotherapist, not a medical doctor.
- **Therapy is billed according to the GOÄ** (Germany’s [official medical fee schedule](https://www.dguv.de/medien/inhalt/reha_leistung/verguetung/physio-a-positionen-01.04.2023-mit-uv-goae-nrn.-fuer-zabas.pdf)). If you’re ever in doubt about this, ask your therapist for a cost plan and submit it to us for pre\-approval.


Coverage specifics can vary between companies and your specific plan, but here’s a breakdown for Feather’s private health insurance, which should give you a general idea:




| **Plan** | **Coverage Description** |
| --- | --- |
| **Standard** | 80% coverage, up to €4,000 per year. Costs beyond €4,000 are covered 100%. |
| **Plus** | 80% coverage, up to €2,000 per year. Costs above this limit are covered 100%. |
| **Premium** | 100% coverage, no annual cap. |


### With expat (incoming) insurance


Feather’s expat health insurance **does cover physiotherapy**, but your level of coverage depends on the type of plan you have:


#### Short\-term expat plans


If you’re on one of Feather’s short\-term expat plans, here is what your coverage looks like:


- **Basic plan:** Physiotherapy is covered up to €300 per year, as long as you have a doctor’s referral.
- **Premium plan**: Physiotherapy is fully covered with a doctor’s referral.


Both plans require that the condition or injury **occur after your policy starts**, have a €30 co\-payment per prescription, and require the treatment to be prescribed. Chiropractic and osteopathic treatments are not included.


#### Long\-term expat plans


If you’re on a long\-term expat plan:


- Physiotherapy is covered for up to 20 sessions per year
- A doctor’s prescription is required.
- There’s a €30 co\-payment per prescription.


As with short\-term plans, the condition must have started after your coverage began, and treatments like chiropractic or osteopathy are excluded.


## How to get physiotherapy in Germany


Here’s how it works:


### 1\. Get a referral


Before booking sessions, you’ll need a **referral (prescription)** from a licensed medical doctor, like a GP or specialist. The referral must state that the treatment is **medically necessary**, and typically includes:


- The diagnosis or reason for treatment
- Number of sessions prescribed
- Type of therapy recommended (e.g, physiotherapy, manual therapy, etc.)


Please note that referrals are usually valid for **28 calendar days** from the issue date, so don’t wait too long to book your first session.


### 2\. Find a physiotherapist


Once you have a referral, the next step is booking your sessions.


However, finding the right physiotherapist in Germany can take some time, especially if you’re new to the country or don’t speak fluent German.


Start with online platforms like [Doctolib](https://www.doctolib.de/) that help you filter by location, insurance type, and language spoken.


Another helpful resource is the [KBV’s (Kassenärztliche Vereinigung) database](https://www.kbv.de/html/praxisnachrichten.php), which lists licensed providers accepting public health insurance (you can reach them via phone at [116117](tel:116117)).


Before booking, confirm the clinic or therapist:


- **Accepts your insurance plan**, especially if you’re on public insurance.
- **Charges within GOÄ limits** (Germany’s medical fee scale) to ensure bills will be fully reimbursed.
- **Will not exceed your plan’s per\-session coverage limit**, if applicable


### 3\. Get a cost plan approved


If you have **private or expat health insurance**, you must **submit a cost plan** before starting physiotherapy. 


With it, your insurer will **confirm your** **coverage in advance** and can save you from unexpected out\-of\-pocket costs.


It’s a document prepared by your therapist that outlines:


- Your medical condition and the treatment being prescribed
- The number of physiotherapy sessions planned
- The expected cost per session and total treatment amount
- Whether the fees follow the **GOÄ** (official medical fee schedule for private billing)


This plan is submitted to your insurer, who reviews it and tells you how much they will reimburse based on your policy.


**If you’re publicly insured**, you usually don’t need to submit a cost plan for physiotherapy. Instead, your doctor’s prescription is enough, and the clinic bills your insurance directly.


### 4\. Start your therapy


Once your cost plan is approved (or if it’s not required), you’re ready to begin treatment.


Here’s what to keep in mind during your sessions:


- **Stick to your schedule**: Prescriptions usually include a fixed number of sessions that must be completed within a set time window. If you delay treatment, you may need a new referral.
- **Track your appointments**: Keep copies of any invoices or treatment confirmations, especially if you pay upfront.


### 5\. Get reimbursed


If you’re paying upfront, you’ll need to **submit a claim for reimbursement** after your treatment begins.


Here’s how to do it:


- Collect the following:  

	- **Official invoice** from the physiotherapist
	- **Doctor’s prescription** (referral)
	- **Approved cost plan**, if applicable
- Log in to your **Feather account** or your insurer’s claims portal.
- Upload the documents and submit your claim.
- Your insurer will review the claim and reimburse you according to your plan.


And that’s it! You’ve now completed the whole process, **from prescription to payment**.

Find the best health insurance for you

Amazing from start to finish

Support that saves me time

Expert health insurance help for expats

Other policies

[BP] physiotherapy

Doctor explaining treatment to a patient.

medium_f8675447-753a-476e-9cee-bdab64c6f073_Expat_content1.png

small_f8675447-753a-476e-9cee-bdab64c6f073_Expat_content1.png

thumbnail_f8675447-753a-476e-9cee-bdab64c6f073_Expat_content1.png

expat-rtb3.png

Dermatology in Germany

Dermatologists are the experts you turn to for skin, hair, and nail health. But in Germany, getting an appointment—and understanding what your health insurance will pay for—can be confusing.


Depending on the type of issue and your insurance, visits may be fully covered or come with out\-of\-pocket costs. A basic consultation can start at around **€60**, while more complex tests or treatments may cost significantly more, sometimes in the thousands.


In this guide, you’ll learn:


- What dermatologists treat and when you should see one
- How much dermatology appointments cost in Germany
- What public, private, and expat insurance plans cover
- What to expect from diagnosis to treatment
- Tips for booking appointments quickly


Let’s get started.


## What does a dermatologist do?


A dermatologist specializes in diagnosing and treating skin, hair, and nail conditions. 


In Germany, dermatologists are board\-certified specialists with years of training in both medical and cosmetic skin issues.


Common conditions they treat include:


- Acne, eczema, and psoriasis
- Suspicious moles and skin cancer checks
- Fungal infections and rashes
- Allergies and skin irritations
- Hair loss or excessive hair growth
- Nail disorders like fungal infections or brittle nails


Many dermatologists in Germany also offer cosmetic treatments such as Botox, fillers, or laser therapy—but these services aren’t typically covered by health insurance (more on that below).


Appointments usually last 10–30 minutes, depending on the issue. If additional tests, such as skin biopsies, allergy tests, or lab work, are needed, a follow\-up visit may be required.


## How much does dermatology cost in Germany?


Prices vary depending on your insurance, the city you’re in, and whether your visit is medical or cosmetic.


Here’s a rough overview of standard dermatology costs in Germany:




| **Treatment or Consultation** | **Estimated Cost (€)** |
| --- | --- |
| Basic consultation (20–30 min) | €60 – €100 |
| Mole check/skin cancer screening | €80 – €150 |
| Skin biopsy (incl. lab work) | €120 – €300 |
| Allergy testing (patch/prick test) | €90 – €250 |
| Wart or mole removal (minor) | €80 – €180 |
| Acne treatment (per session) | €60 – €120 |
| Cosmetic treatments (e.g., Botox) | €150 – €2400\+ |


## Does German health insurance cover dermatology?


Most insurance plans will cover part or all of these costs if your doctor deems the visit medically necessary. 


However, if your appointment is for cosmetic reasons or purely preventive, you may have to pay out of pocket.


Let’s take a look at the three main types of health insurance available in Germany:


### With public health insurance (GKV)


The core rule: if a treatment is **medically necessary**, it’s covered. If it’s purely cosmetic or aimed at general well\-being, it’s not. 


Doctors assess whether a legitimate health issue exists, and the insurer pays for the most cost\-effective solution.


[**Public insurers**](https://feather-insurance.com/health-insurance/public) **like TK, AOK, and Barmer typically cover:**


#### Skin diseases:


- Eczema, psoriasis, fungal infections
- Severe acne (if there’s risk of infection)
- Symptomatic rosacea
- Chronic conditions needing long\-term care


#### Skin cancer prevention:


- Screenings every 2 years (age 35\+)
- Mole checks, biopsies (if medically indicated)
- Removal of suspicious or cancerous lesions


#### Infections \& inflammation:


- Bacterial/viral infections
- Abscesses, ulcers, and wound care


#### Allergy\-related conditions:


- Atopic/contact dermatitis
- Allergy testing (with doctor referral)


#### However, **to be reimbursed**, you’ll need:


- A referral from your general practitioner
- To pay a small **co\-payment** (usually €10 per quarter or per prescription)


### With private health insurance (PKV)


[Private health insurance](https://feather-insurance.com/health-insurance/private) generally offers more flexible and comprehensive coverage for dermatology, especially if the treatment is medically necessary.


All private plans differ; but looking at coverage from the ones at Feather should give you a general idea of what to expect:




| **Plan** | **Dermatology coverage** |
| --- | --- |
| **Standard** | 100% with a GP referral or in emergencies; 75% when visiting a specialist directly |
| **Plus** | 100% coverage |
| **Premium** | 100% coverage |


**To make sure your visit is reimbursed properly:**


- Confirm that your dermatologist bills within [GOÄ limits](https://www.privat-patienten.de/fileadmin/Import/gebuehrenordnung-fuer-aerzte.pdf) (Germany’s medical fee schedule)
- Submit a **cost plan** in advance for any treatment expected to exceed €1,000


### With expat (incoming) insurance


Here are the rules on our [expat health insurance](https://feather-insurance.com/health-insurance/expat) plans when it comes to dermatology:


- Medically necessary appointments are typically covered
- Cosmetic procedures are not
- A €30 co\-payment per event may apply
- A **referral from a doctor** is required
- **Only new conditions are covered**—pre\-existing issues are excluded


## How to access dermatologic treatments in Germany


Follow these simple steps:


### 1\. Get a referral (if needed)


Are you on [public health insurance](https://feather-insurance.com/health-insurance/public)? Then you will need a referral from your GP (Hausarzt). 


The same thing applies to [expat health insurance](https://feather-insurance.com/health-insurance/expat) customers.


Are you on private insurance? Then, referrals aren’t always required. But they help document the process and can ensure you get reimbursed to the fullest extent.


The referral usually states the suspected diagnosis and reason for the visit.


### 2\. Find a dermatologist


Use platforms like [Doctolib](https://www.doctolib.de) to search by:


- Location
- Language spoken
- Insurance type (public vs. private)
- Appointment availability


To speed things up, and find an appointment in the shortest amount of time possible, try:


- Calling clinics directly if you don’t see online availability
- Ask your GP for a recommendation or referral note
- Be open to practicians working nearby cities or suburbs


### 3\. Confirm your coverage


Before booking, check if:


- The dermatologist accepts your insurance
- Your plan covers the procedure or screening
- They can offer a cost plan during your visit


This step is especially important for private or expat insurance.


### 4\. Attend your appointment


At your visit, make sure to:


- Bring your **insurance card** and referral (if applicable)
- Ask if any proposed procedures will incur extra costs
- Request a **treatment plan** or invoice if you’re paying upfront


### 5\. Get reimbursed (if applicable)


If you pay out of pocket (if you have [private health insurance](https://feather-insurance.com/health-insurance/private), submit your documents for reimbursement:


- Referral
- Treatment invoice
- Proof of payment
- Cost plan (if applicable)


Use your insurer’s claims portal, like [Feather’s](https://app.feather-insurance.com/account/signin), to upload the documents and receive your refund.


## When should you see a dermatologist?


You should consider visiting a dermatologist if you experience:


- New or changing moles
- Persistent acne or skin inflammation
- Unexplained rashes or irritation
- Sudden hair loss
- Nail discoloration or deformation
- Any skin issue not resolving with over\-the\-counter care


Even without symptoms, skin cancer screening is recommended every two years if you’re over 35 (or more frequently if you have a family history or high risk).

[BP] dermatology

medium_best_public_health_insurance.png

small_best_public_health_insurance.png

thumbnail_best_public_health_insurance.png

best_public_health_insurance.png

Best public health insurance in Germany: Our top 4

Finding Germany’s best public health insurance can be overwhelming, especially with the wide range of providers and contribution rates changing all the time. 


But, whether you’re an expat, a family, or simply looking for the most cost\-effective option, choosing the right provider can make all the difference.


Unlike private insurance, public health insurance (Gesetzliche Krankenversicherung or GKV) is standardized by law, meaning core services remain the same across all providers. 


However, contribution rates, customer service, bonus programs, and additional benefits can vary.


To help you navigate your options, we’ve analyzed four of the best public health insurance providers in Germany\. We've also done a similar analysis on the [best short-term health insurance companies in Germany](https://feather-insurance.com/blog/best-short-term-health-insurance-germany), as well as the [best private insurance policies](https://feather-insurance.com/blog/best-private-health-insurance-germany).


We’ll break down their strengths, contribution rates, customer satisfaction, and unique perks to help you make an informed decision.


And, if you’re new to Germany, check out our guide to learn [how the German public healthcare system works](https://feather-insurance.com/blog/health-insurance-germany-guide/).


**Disclaimer:**


*This article is based on our independent analysis, but the “best” public health insurance for you depends on your individual needs. We recommend speaking with an insurance broker who can help you find a plan tailored to your situation.*


*Our rankings are determined using a specific methodology, which we encourage you to review to ensure it aligns with your priorities.*


*Insurance options, pricing, and reviews may change over time. The information in this article was last updated on March 10\.*


Alright, let’s jump right in.


## Our favorite public health insurance companies




| **Provider** | **Recommended for** | **Total contribution rate** | **Trustpilot rating** |
| --- | --- | --- | --- |
| [Techniker Krankenkasse](https://feather-insurance.com/health-insurance/public/tk) (TK) | English speakers | 17\.05% | [3\.9 out of 5](http://trustpilot.com/review/tk.de) |
| [DAK\-Gesundheit](https://feather-insurance.com/en-de/health-insurance/public/dak) | Bonus program | 17\.4% | [2\.6 out of 5](http://trustpilot.com/review/dakgesundheit.de) |
| [BARMER](https://feather-insurance.com/en-de/health-insurance/public/barmer) | Families | 17\.89% | [2\.7 out of 5](https://www.trustpilot.com/review/barmer.de) |
| BKK Firmus | Affordability | 16\.44% | [4\.1 out of 5](http://trustpilot.com/review/www.bkk-firmus.de) |


## Techniker Krankenkasse (TK): Recommended for English speakers


If you’re an English\-speaking expat or newcomer in Germany, [Techniker Krankenkasse (TK)](https://feather-insurance.com/health-insurance/public/tk) is one of the best public health insurance options available. 


With nearly **11\.8 million insured members**, TK is the largest statutory insurance fund in Germany and continues to grow, averaging a 2\.38% yearly increase since 2015\.

Suggested: [What does TK cover?](https://feather-insurance.com/blog/what-does-tk-health-insurance-cover)

### How much does TK cost?


TK’s specific **contribution rate**  is **2\.45%**, bringing the total contribution to **17\.05%**. This marks a significant increase from previous years, with a **0\.8% jump**—the largest in their history.


To put this in perspective, if you’re **30 years old, single and employed**, you’ll pay:


- €219 per month if earning €24,000 per year
- €602 per month if earning €77,400 or more


Note: These figures exclude the employer’s contribution and reflect only your personal cost in this example. Use our [public health insurance cost calculator](https://feather-insurance.com/health-insurance/public) for more details.


### Why TK stands out for English speakers


One of TK’s biggest advantages is its **English\-language support**. 


They offer an **English app, website and hotline** (\+49 40 – 46 06 62 53 00\), making it easy to get assistance with any questions or paperwork.


Its app offers key features like:


- Chat support with agents
- Submitting documents \& personal updates
- Access to the TK Bonus Program (more on this below)
- TK\-Fit Integration, allowing you to sync Apple Health or many other fitness trackers to earn rewards


### TK bonus program: Up to €400 per year


TK offers an extensive rewards program where you can earn up to **€400 per year** for completing health\-related activities. 


Rewards can be used for:


- Acupuncture
- Sports equipment \& courses
- Dental treatments (e.g., crowns)
- And much more — check out the full details [here](https://www.tk.de/en/tk-services-benefits-/advantages-membership/tk-bonus-plan-2098044).


### Trustpilot rating


TK is rated [3\.9 out of 5](http://trustpilot.com/review/tk.de) stars on Trustpilot, based on 4,500\+ reviews. 56% gave 5 stars, while 29% gave them 1 star.


While the majority of members seem satisfied, some complaints exist, which is common for any large insurer.


### Our verdict on TK


TK is a top contender if you’re looking for a **reliable, English\-friendly** public health insurance provider in Germany. 


With its strong digital services, rewards program, and English\-speaking support, it’s an especially great choice for expats and first\-time German residents. 


However, the recent **price increase** is something to keep in mind.


[Sign up for TK](https://feather-insurance.com/health-insurance/public/tk).


## DAK\-Gesundheit: Best bonus program


If you’re looking for **the most rewarding bonus program**, [DAK\-Gesundheit](https://feather-insurance.com/health-insurance/public/dak) might be your best public health insurance provider\. 


While its membership has been **declining by 1\.14% per year** since 2015 (now at 5\.5 million insured members), it offers strong incentives for policyholders who prioritize health\-conscious living.


### How much does DAK cost?


DAK's **contribution rate is 2\.8%**, bringing the total to **17\.4%**—one of the **highest** among public insurers. 


However, DAK has kept its **contribution increase minimal** over the years, rising only 0\.1% (from 1\.7% to 1\.8%).


If you’re 30 years old, single and employeed, you can expect to pay around:


- €222 per month if earning €24,000 per year
- €612 per month if earning €77,400 or more


Note: These figures exclude the employer’s contribution and reflect only your personal cost in this example. Use our [public health insurance cost calculator](https://feather-insurance.com/health-insurance/public) for more details.


### Why DAK’s bonus program stands out


The biggest reason to consider DAK is its industry\-leading bonus program. 


It has even been rated **“**the best bonus program of all public health insurance companies**”** by [Focus Magazine](https://focus-magazin.de/).


DAK rewards members for living a healthy lifestyle through a points\-based system, where:


- 1 point \= €1 in cash rewards
- 1 point \= €1\.20 in subsidies for health services


Thesesubsidies can be used for:


- Fitness trackers
- New running shoes
- Glasses
- Osteopathy treatments
- And much more… See all the details [here](https://www.dak.de/dak/leistungen/bonusprogramme_36066).


In total, you can earn up to **€500 per year**—one of the highest bonuses among public health insurers.


### Trustpilot rating


DAK has a rating of [2\.6 out of 5 stars](http://trustpilot.com/review/dakgesundheit.de) on Trustpilot, based on 1,500 reviews:


- 25% gave 5 stars
- 68% gave 1 star


### Our verdict on DAK


If you actively take care of your health and want to maximize rewards, **DAK’s bonus program is one of the best**. However, its high contribution rate and lower customer satisfaction may be dealbreakers for some.


[Sign up for DAK](https://feather-insurance.com/health-insurance/public/dak).


## BARMER: Recommended for families


As Germany’s second\-largest public health insurance provider, [BARMER](https://feather-insurance.com/health-insurance/public/barmer) has maintained a stable membership base, with 8\.6 million insured members in 2024, only slightly up from 8\.55 million in 2015\.


While it has seen the highest contribution rate increase among major insurers, it remains a strong choice—particularly for families.


### How much does BARMER cost?


BARMER’s specific **contribution rate is 3\.29%**, bringing the total contribution to **17\.89%**—the highest in this review. Since 2015, its rate has increased by **1\.1%** (from 2\.19%).


If you’re 30 years old, single, and employed, the cost might look like this:


- €227 per month if earning €24,000 per year
- €625 per month if earning €77,400 or more


Note: These figures exclude the employer’s contribution and reflect only your personal cost in this example. Use our [public health insurance cost calculator](https://feather-insurance.com/health-insurance/public) for more details.


### Why BARMER stands out for families


BARMER is known for its family\-focused health initiatives, offering **special programs for children, parents, and mothers**. 


Our favorites are:


- **“I Can Cook!” \& “Family Kitchen”** – A program teaching kids (and the latter, parents) how to cook healthy meals and recognize nutritious ingredients.
- **Papilio** – A social\-emotional development program for 3 to 6 year olds, aimed at reducing behavioral problems and strengthening emotional skills.
- **GLÜCKSMAMA** – An 8\-week online course to help mothers strengthen their core and pelvic floor. BARMER members also get 12 months of free access to all courses and the GLÜCKSMAMA media library.


Additionally, BARMER is one of the most physically accessible insurers, with 360 branches in Germany, making in\-person consultations easy.



### Trustpilot rating



BARMER has a [2\.7 out of 5\-star](https://www.trustpilot.com/review/barmer.de) rating on Trustpilot, based on 2,000 reviews, with 39% of reviews being 5 stars, and 51% 1 star. 


This suggests mixed customer satisfaction, though its strong family\-oriented programs may make it worthwhile for parents.


### Our verdict on BARMER


BARMER is a solid option if you’re looking for public health insurance with family benefits. While its higher contribution rate and mixed customer feedback may be drawbacks, its family health programs, in\-person branch access, and wellness incentives make it an excellent choice for those with children.


[Sign up for BARMER](https://feather-insurance.com/health-insurance/public/barmer).


## BKK Firmus: Recommended for affordability


If your priority is **affordable public health insurance**, BKK Firmus is a top choice. 


With high growth—expanding from 86,188 members in 2015 to 331,329 by the end of 2024 (16\.14% annual increase)—it has become a strong contender among Germany’s best public health insurance providers.


### How much does BKK Firmus cost?


BKK Firmus has the **lowest contribution rate** among all insurers in this review. 


Their specific contribution rate is **just 1\.84%**, bringing the total to 16\.44%.


While this is almost double their 2024 rate of 0\.90%, they remain the cheapest option.


So, let’s say you’re 30 years old, single, and employed, your cost would likely be:


- €212 per month if earning €24,000 per year
- €585 per month if earning €77,400 or more


Note: These figures exclude the employer’s contribution and reflect only your personal cost in this example. Use our [public health insurance cost calculator](https://feather-insurance.com/de-de/health-insurance/public) for more details.


BKK Firmus is particularly interesting for those close to the private health insurance income threshold (€77,400 per year). However, if you earn above this limit, you may want to consider [private insurance](https://feather-insurance.com/health-insurance/private), as it is often cheaper than public options.



One of the reasons BKK Firmus is so affordable is because their in\-person service is very limited, with physical offices only available in:



- Bremen
- Osnabrück
- Lengerich
- Melle
- Weißenborn
- Dissen


### Trustpilot rating


BKK Firmus has an impressive Trustpilot rating of [4\.1 out of 5](http://trustpilot.com/review/www.bkk-firmus.de) stars, based on 2,822 reviews:


- 78% gave 5 stars
- Only 14% gave 1 star


This makes it one of the best\-rated public health insurers in this review alongside TK.


### Our verdict on BKK Firmus


If you want the lowest\-cost public health insurance in Germany, BKK Firmus is the choice we recommend you make.


It’s desirable for those near or above the private insurance threshold but wish to remain in the public system.


However, its limited physical locations, lack of English support and modest bonus program may be drawbacks for some.


[Sign up for BKK Firmus](https://register.bkk-firmus.feather-insurance.com/).


## Methodology


To determine the best public health insurance companies in Germany, we aimed to conduct a comprehensive evaluation using the following method:


1. **Selection of providers**: We started by identifying the top public health insurers in Germany based on market size, industry reputation, and relevance for different customer segments (e.g., expats, families, cost\-conscious individuals).
2. **Contribution rate analysis**: Public health insurance rates fluctuate yearly, so we analyzed the contribution rates for each provider, including both the standard rate and any additional contribution percentages.
3. **Customer satisfaction and reviews**: We examined customer feedback on Trustpilot to gauge overall satisfaction. While online reviews can be biased, they provide useful insights into customer service, claim processing, and general experience.
4. **Added benefits and services**: Since core public health insurance services are standardized in Germany, we focused on differentiating factors such as:
	- English\-language support (especially for expats)
	- Digital tools (e.g., mobile app availability)
	- Bonus programs (e.g., fitness incentives)
	- Family and maternity support programs
5. **Accessibility and service quality**: To assess customer service, we analyzed the availability of English\-speaking support and the number of physical service locations across Germany. We also considered digital accessibility, including mobile app functionality and online customer portals.


This evaluation was last updated on **March 10**, and reflects the most recent contribution rates and customer feedback. However, since policies and pricing may change, we recommend verifying details with each insurer before deciding.


## Conclusion


Choosing the right public health insurance provider in Germany depends on your needs and priorities.


Here’s a quick recap:


- If you’re an **English\-speaking expat**, [Techniker Krankenkasse (TK)](https://feather-insurance.com/health-insurance/public/tk) is a top choice due to its strong digital services and English\-language support.
- For those who prioritize **bonus rewards**, [DAK\-Gesundheit](https://feather-insurance.com/health-insurance/public/dak) offers one of the most attractive incentive programs, though it has a higher contribution rate.
- **Families** may find [BARMER](https://feather-insurance.com/health-insurance/public/barmer) to be the best option due to its extensive health programs tailored for parents and children.
- If **keeping costs low** is your priority, [BKK Firmus](https://register.bkk-firmus.feather-insurance.com/) provides the most affordable public health insurance rate.

If you're still looking to compare your options, here's a [comparison of TK, AOK, and DAK](https://feather-insurance.com/blog/public-insurer-choose).

Regardless of your choice, all public health insurers in Germany provide comprehensive medical coverage. We recommend speaking with an insurance broker to find the best plan for your personal circumstances.


Still unsure about which provider fits your needs? [Contact our experts](https://feather-insurance.com/support) or read our [public health insurance guide](https://feather-insurance.com/blog/public-health-insurance-germany-guide/) for more details. 

Sign up for public health insurance

[BP] best public heath insurance germany

medium_Outpatient-vs-Inpatient-treatment..png

small_Outpatient-vs-Inpatient-treatment..png

thumbnail_Outpatient-vs-Inpatient-treatment..png

Outpatient-vs-Inpatient-treatment..png

What is the difference between inpatient and outpatient treatment?

Whether you’re visiting a doctor for a quick check\-up or spending a few nights in the hospital for surgery, medical care in Germany falls into one of two categories: inpatient or outpatient treatment.


But what is the difference between inpatient vs. outpatient treatment?


Inpatient care typically requires an overnight stay in the hospital, while outpatient care means you go home the same day. And which type of treatment you receive can affect where you go, how much you pay, and what your policy covers.


In this guide, you’ll learn:


- What inpatient and outpatient treatment means
- How they differ in terms of care and cost
- What each type of insurance plan typically covers
- The steps to take if you need either form of treatment


By the end, you’ll understand how the German healthcare system handles treatment and how to make sure you’re fully prepared, whether it’s a routine appointment or a major hospital stay.


Let’s get started.


## What is inpatient treatment?


[Inpatient treatment](https://feather-insurance.com/blog/hospitals-guide) refers to staying overnight in a hospital for medical care. This type of treatment is necessary when your condition is severe or requires ongoing monitoring. 


Common examples include:


- Surgeries
- Childbirth
- Emergency care after a heart attack or stroke
- Treatment for major illnesses or injuries


So, how does inpatient treatment work in Germany? 


Let’s say you need ligament reconstruction surgery. Here’s what the process would look like:


1. You’ll first have a few outpatient appointments for scans and evaluations.
2. The actual surgery takes place during your hospital stay.
3. While admitted, you’ll get post\-surgery monitoring and may start physical therapy.
4. After you are discharged, outpatient visits will continue to support your recovery.


The hospital you go to often depends on your health insurance:


- With [private health insurance](https://feather-insurance.com/health-insurance/private), you can choose your hospital and even your doctor.
- With [public health insurance](https://feather-insurance.com/health-insurance/public), you’ll typically go to the hospital that your doctor recommends.


When selecting a hospital, make sure:


- It has specialists for your condition
- It accepts your insurance (most accept public insurance, but not all)
- You bring the right documents:  

	- Insurance card
	- Doctor’s referral
	- Passport or ID


Upon arrival, nurses will guide you to your room and explain what to expect during your stay.


## What is outpatient treatment?


Outpatient treatment refers to any medical care that does not require an overnight stay. You attend your appointment, receive treatment, and return home on the same day. 


Outpatient care in Germany covers a wide range of medical services. Common examples include:


- Doctor’s visits
- Lab tests
- Physical therapy sessions
- Minor surgeries without overnight stay
- Checkups or visits for illness
- Dental care or psychotherapy sessions


General practitioners, specialists, dentists, and therapists all provide outpatient care. With public health insurance, specialists require a referral from your primary doctor, but with private health insurance, specialists don’t need a referral.


Just like with inpatient care, it’s important to choose a clinic or practice that:


- Offers the specific type of care you need
- Accepts your health insurance


## How much do inpatient and outpatient treatments cost?


Healthcare costs in Germany depend on the type of insurance you have. Here’s what to expect with public, private, and expat health insurance, along with examples of out\-of\-pocket costs.


### Public health insurance


If you are covered by public health insurance, most standard treatments, including inpatient and outpatient care, are fully covered. 


However, there are still some costs you may need to pay:


- **Inpatient treatment**: €10 per day, up to 28 days per calendar year.
- **Outpatient treatment**: Usually a €10 copayment per doctor visit or per prescription.
- **Optional services**: You pay the full price for extras like private rooms or choosing a specific doctor.


Aside from these, most necessary treatments are free at the point of care. However, coverage under public insurance can be limited, especially for services such as preventive or alternative treatments (e.g., chiropractic care without a GP referral). These are typically not covered and must be paid in full out of pocket.


**Tip**: Public insurance doesn’t automatically cover every treatment. Always check with your insurer beforehand to confirm coverage and costs.






### Private health insurance


Private insurance offers more flexibility, but coverage and reimbursement vary depending on your insurer and the specific plan you have. 


Here’s how it works:


- **Outpatient treatment**: You receive a bill after your appointment, pay it yourself, then submit the invoice to your insurer for reimbursement.  
  
Example: A visit to a chiropractor without a referral is reimbursed at **100% with Feather** (check this with other providers). However, some treatments, such as a dental bridge, may only be refunded at **70–90%**, depending on your policy.
- **Inpatient treatment**: You can either pay upfront and get reimbursed or have your insurer pay the hospital directly. Most plans cover inpatient stays at **100%**, including extras such as a private room or treatment by the head physician, if these are included in your policy.
- **Deductibles**: Some private plans require you to pay a deductible—a fixed amount before your insurance starts covering costs. At **Feather**, most plans come with **no deductible**, unless you request one from our team when you sign up.


**Tip**: Reimbursement rates vary by treatment and insurer. Ask your provider for a breakdown of what percentage of each treatment is covered.






### Expat health insurance


If you’re new to Germany, expat insurance is often a short\-term solution that functions similarly to private insurance. Here’s what to expect:


- **How it works**: You receive a bill from the doctor or hospital, pay it, and then request reimbursement from your insurer.
- **Deductible**: With **Feather’s expat insurance**, you pay a **€25 deductible per event**—whether inpatient or outpatient.
- **What’s covered**: These plans cover **accidents, emergencies, and new illnesses**. Most treatments are reimbursed at **100%**, with exceptions for:  

	- Pre\-existing conditions (not covered)
	- Some dental treatments
	- Psychological therapy
	- Maternity care


**Tip**: Expat insurance doesn’t distinguish much between inpatient or outpatient care; it’s more about the specific treatment type. Always confirm coverage in advance, especially for any care beyond basic or emergency services.

[BP] inpatient vs outpatient

medium_LASIK-in-Germany-Cost-and-Insurance-Coverage-Explained.png

small_LASIK-in-Germany-Cost-and-Insurance-Coverage-Explained.png

thumbnail_LASIK-in-Germany-Cost-and-Insurance-Coverage-Explained.png

LASIK-in-Germany-Cost-and-Insurance-Coverage-Explained.png

A close-up of an optometrist adjusting a trial lens frame used for eye exams, with hands delicately fine-tuning the dials.

LASIK in Germany

LASIK eye surgery (also commonly referred to as laser eye surgery) offers a permanent solution by correcting common vision problems like nearsightedness, farsightedness, and astigmatism.


But the price of better vision doesn’t always come cheap.


In Germany, LASIK can cost anywhere from €1,000 to over €3,500 per eye, depending on the type of procedure, technology used, and the clinic you choose. 


And unfortunately, public health insurance typically doesn’t cover it.


In this guide, you’ll learn:


- What LASIK is and how it works
- The different types of LASIK and alternative procedures
- What public, private, and expat health insurance plans in Germany cover
- Why prices vary so much—and what’s included in the cost
- Our top tips for saving money on LASIK, from tax deductions to financing options


By the end, you’ll clearly understand whether LASIK is right for you—and how to make it more affordable if you decide to go for it.


## What is LASIK?


LASIK is a refractive eye surgery designed to correct common vision problems.


Issues LASIK can treat include:


- Nearsightedness (myopia)
- Farsightedness (hyperopia)
- Astigmatism, which causes blurred or distorted vision


These vision impairments aren’t just a matter of convenience.


Left untreated, they can impact daily activities like reading, driving, or working comfortably on a computer.


That’s why LASIK is often considered a life\-changing option, especially for adults in their 20s to 40s.


An estimated [2 million worldwide](https://aylinkilic.net/en/blog-en/how-many-people-have-lasik-surgery-in-the-world-how-safe-is-the-surgery/#:~:text=This%20scientific%20research%20both%20shows,the%20basis%20of%20annual%20operations.&text=Only%201453%20cases%20of%20ectasia,as%2011%20per%20100%2C000%20eyes.) undergo LASIK yearly to reduce or eliminate their dependency on vision aids.


## What LASIK treatments are available in Germany?


LASIK is the most widely performed laser vision correction procedure, but several variations exist. The choice depends on the type and degree of refractive error, the cornea’s thickness, and the patient’s lifestyle needs.


Let’s take a look at the main options:


### Standard LASIK


**Standard LASIK** is a common laser eye surgery that reshapes the cornea to improve vision. A thin flap is made in the cornea, then a laser corrects the underlying tissue to help light focus appropriately on the retina.


Several variations include:


- Conventional LASIK
- Wavefront\-guided LASIK
- Bladeless (Femto) LASIK
- And topography\-guided LASIK.


These differ mainly in how precisely they measure the eye and how the corneal flap is created, with some offering faster healing.


While LASIK is highly effective, it’s not suitable for everyone.


For those with thinner corneas or very high prescriptions, alternative procedures might be recommended, such as:


### PRK (Photorefractive Keratectomy)


Unlike LASIK, PRK doesn’t involve creating a corneal flap. Instead, the cornea’s outer layer is gently removed before the reshaping process. 


Although recovery takes longer, PRK is a solid choice for individuals with thinner corneas or those desiring more affordable treatment.


### SMILE (Small Incision Lenticule Extraction)


This newer technique uses a laser to create a small disc of tissue inside the cornea, which is removed through a tiny incision. 


SMILE offers a minimally invasive solution with a fast recovery time and a lower risk of dry eye.


## How much does LASIK surgery cost in Germany?


In Germany, the average cost of LASIK surgery ranges from **€1,000 to €3,500 per eye**, with most people paying around **€2,500 for both eyes**.


Prices vary depending on several factors, including:


- The type of LASIK procedure
- Technology and equipment used
- The surgeon’s experience
- The complexity of the vision correction
- Whether enhancements (touch\-ups) are needed later


Maintenance costs are generally low. Most patients require only a few follow\-up visits, which typically cost around **€50 to €150 per visit** if they are not already included in the initial package.


### Average costs by type of LASIK




| **Type of LASIK** | **Average cost (per eye)** | **Best used for** |
| --- | --- | --- |
| **Standard\-LASIK** | €939 – €1,311 | Common vision issues like nearsightedness or farsightedness |
| **Femto\-LASIK** | €1,442 – €1,522 | A safer, more precise version of LASIK with faster healing |
| **ReLEx SMILE** | €2,703 | A gentle, flap\-free option for nearsightedness and astigmatism |
| **No\-touch trans\-PRK** | €1,180 | People with thin corneas who can’t get LASIK |
| **ICL Implant** | €3,543 | Extreme prescriptions or when LASIK isn’t possible |
| **Multifocal Lens Implant** | €3,857 | Age\-related vision problems (like needing reading glasses) |


## Does German health insurance cover LASIK surgery?


Most health insurance plans in Germany do **not cover LASIK** eye surgery. 


How much you’ll need to pay out of pocket depends on your type of insurance and whether the procedure is medically necessary.


Let’s break it down so you can understand what’s covered (especially if you’re trying to plan for the cost).


### What does public health insurance (GKV) cover?


In most cases, **you’ll need to cover the full cost of LASIK out of pocket**.


LASIK is classified as a **refractive surgery**, and more importantly, it is an **elective surgery**. This medical procedure is scheduled in advance because it does not involve a medical emergency.


This means it’s **not considered medically necessary** or covered by [public health insurance providers](https://feather-insurance.com/health-insurance/public) like [TK](https://feather-insurance.com/health-insurance/public/tk), or [BARMER](https://feather-insurance.com/health-insurance/public/barmer).


Even if poor eyesight significantly affects your quality of life, if glasses or contact lenses can correct your vision, public insurance considers that sufficient. 


We know that’s not the news you were hoping for, but don’t worry—we’ll share tips to save on LASIK costs for those determined to move forward.


### What does private health insurance cover?


[Private health insurance](https://feather-insurance.com/health-insurance/private) (PKV) offers **better coverage for elective procedures**, including LASIK and its variations like PRK or SMILE.


Since LASIK is often seen as a lifestyle or convenience surgery, not all private plans cover it by default, but **many do**, especially **higher\-tier plans**. 


So while we can’t promise your insurer will reimburse the full amount, it’s more common than you might think.


We recommend checking your policy or contacting your provider to confirm whether refractive surgery is included.


Here’s how Feather handles it:


- **Standard plan**: LASIK isn’t covered.
- **Plus and Premium plans**: We cover between **€3,000 and €5,000**, typically allowing you to choose from top\-tier clinics or advanced technologies.


Simply **submit a cost estimate before the** **procedure** so we can confirm that the costs are appropriate and within our scope.


### What does expat (incoming) insurance cover?


Like public coverage, LASIK surgery is categorized as **elective**, meaning it is not urgently required for health or survival.


That puts it **outside the coverage scope** of our [expat insurance plans](https://feather-insurance.com/health-insurance/expat), which are designed primarily for essential or emergency care.


We understand this might be disappointing, especially if you’re new to Germany and hope to get LASIK soon. 


That said, we’ll include some tips below to help make LASIK more affordable if you still want to proceed with the surgery.


This exclusion generally applies to most short\-term health insurance providers, not just Feather. 


Still, if you have a different insurer, it’s worth confirming.


## How to save money on LASIK


LASIK can be expensive. We know. 


However, there are ways to reduce costs, even if your insurance doesn’t cover it:


### 1\. Explore surgery abroad, but weigh the risks


Getting LASIK in countries like **Turkey, Poland, or the Czech Republic** can cost significantly less, sometimes **up to half the price** you’d pay in Germany.


That said, be cautious before booking, because:


- **You have limited legal protection**: German patient rights don’t apply abroad. If something goes wrong, you’ll need to deal with foreign legal systems, often in the local language and at your own expense.
- **Post\-op care is more complex**: LASIK usually requires follow\-ups for several weeks or months. If your surgeon is in another country, managing complications or check\-ups can become costly or logistically difficult.


If you’re still interested, consider getting [legal insurance](https://feather-insurance.com/legal-insurance) that includes international coverage, as the above is just one of the few reasons [why someone might need legal coverage](https://feather-insurance.com/blog/what-is-legal-insurance-why-would-i-need-it/). 


### 2\. Do not forget about tax deductions


Many people don’t realize this: **LASIK costs can potentially be deducted on your German tax return** under “extraordinary medical expenses.”


The amount you can claim depends on your **income threshold** and whether you can prove that the procedure significantly improved your quality of life. 


Not everyone will qualify, so it’s best to speak with a **Steuerberater (tax advisor)** for advice.


### 3\. Rethink the timing or necessity.


While LASIK can offer life\-changing results, it’s worth asking yourself: *Do I need this now?*


It’s natural to want better vision now, but with LASIK, **timing can work in your favor**—both medically and financially.


The procedure isn’t always urgent. Waiting may be the safer option if your prescription is still changing or your corneas aren’t ideal.


But there’s another reason to hold off: **your insurance status could change**. 


If you’re currently on public insurance and below the income threshold (€77,400 in 2026\), you might not qualify for private coverage yet. But if your salary increases or you become self\-employed, you could switch to private health insurance, which often includes thousands in LASIK coverage.


A little patience might lead to **better eligibility and better benefits**.


### 4\. Consider alternative procedures


If you’re flexible, consider other vision correction methods, like **PRK**. It’s generally less expensive than LASIK and can be a better option for certain eye types.


Ask your doctor what treatments would work well and which are the most affordable.


### 5\. Flexible payment options


Not everyone can (or wants to) pay thousands of euros upfront—and luckily, you often don’t have to.


- Many clinics offer **interest\-free installment plans**, breaking the total cost into monthly payments over a year or two.
- If your clinic doesn’t provide one, **external financing services** like Klarna or MediPay might be an option. But, please, read the fine print to understand fees and interest rates and how they may impact your finances.


### 6\. Consider better coverage


If you’re considering LASIK and want help covering the cost, [private health insurance](https://feather-insurance.com/health-insurance/private) (PKV) is typically the most reliable option. Many high\-tier private plans include benefits for elective surgeries like LASIK.


However, not everyone qualifies for private health insurance. 


If your gross annual income is below €77,400 (as of 2026\), or if you’re not self\-employed or a freelancer, you might be required to stay on statutory public insurance (GKV). 


In that case, supplemental vision insurance could be a viable alternative.

[BP] lasik

medium_best_public_health_insurance-1.png

small_best_public_health_insurance-1.png

thumbnail_best_public_health_insurance-1.png

best_public_health_insurance-1.png

How long does it take to get health insurance after applying?

Having [health insurance in Germany](https://feather-insurance.com/blog/health-insurance-germany-guide/) is a legal requirement—so it’s no wonder that getting insured is a [must\-do for any newcomer.](https://blog.feather-insurance.com/germany-getting-started-guide/) 


Applying for public health insurance is simple (if you qualify for it). 


But you might be wondering:


- How long will it take to get an approval?
- What happens once you’ve submitted your application?
- When will you receive a confirmation that you’re covered?
- How long does it take to receive the insurance card?


If this is the case, then this post is for you. Let’s get started.


## **How to apply for public health insurance in Germany**


Through the Feather website, you can [submit your public health insurance](https://www.feather-insurance.com/health-insurance/public) application to one of the four main public health providers in Germany: 


- [TK](https://feather-insurance.com/health-insurance/public/tk)
- [AOK](https://feather-insurance.com/health-insurance/public/aok)
- [Barmer](https://feather-insurance.com/health-insurance/public/barmer)
- [DAK](https://feather-insurance.com/health-insurance/public/dak)


You just need to handle some basic information (all in English) and we’ll handle the rest!


## **How long until you’re covered?**


If you’re applying for public health insurance through Feather, the process usually moves along quickly. 


Here’s a basic idea of how long each step takes:


### Application submission


After you submit your application, you’ll receive a confirmation email immediately. 


This is just to let you know your application was received—it is not an official coverage approval.


### Getting your confirmation of coverage


Official enrollment usually takes about **two weeks**. 


It might be shorter if you have a full\-time job and it is your first time getting insurance in Germany, but it could be longer if additional documents are required. 


You’ll receive an email that includes your policy number and an official membership confirmation. You can use this membership confirmation for all administrative tasks and medical treatments.


### Getting your insurance card


After you’re officially enrolled, the insurance company will ask for a passport photo to create your insurance card. 


Getting your physical card can take up to **eight weeks**, but no worries—you’re covered before it arrives. 


In fact, you’re covered as soon as you receive the confirmation of coverage.


## **It’s been a few days and I haven’t been approved. Why?**


Sometimes, the process takes more time. The most common reasons include:


- **Additional documents are required:** If you’ve had health insurance from another EU country, the insurer may need extra paperwork to confirm your previous coverage.
- **Employer timing:** Some employers might register you with the health insurance at the end of your first month, which can slow things down a bit. However, when they do, they’ll backdate the start of your insurance, meaning that you are covered regardless.


This is generally because German insurers ask for additional documentation (like a letter from a previous EU\-country insurer or GP) to prove previous coverage. 


## What can I do to speed up the process?


If you have been waiting and are tired of doing so, here are a couple of things you could try:


- **Talk to your employer:** Sometimes, employers forget a step while registering you, especially if they outsource services like HR or accounting.


Check in with them and ask for your membership certificate (Mitgliedsbescheinigung). This document can help prove you’re insured while waiting for your card.


- **Contact the works council:** If your company has one, the works council (Betriebsrat) can help make sure everything is on track and help you identify the most relevant next steps for your case.

[BP] public insurance when approved

medium_Banner-Spain-Healthcare-Statistics-Trends-Facts-2025.png

small_Banner-Spain-Healthcare-Statistics-Trends-Facts-2025.png

thumbnail_Banner-Spain-Healthcare-Statistics-Trends-Facts-2025.png

Banner-Spain-Healthcare-Statistics-Trends-Facts-2025.png

Germany Healthcare Statistics, Trends & Facts

[BP] germany healthcare statistics

A young couple sitting comfortably on a couch. The man has a laptop on his lap. He is smiling as he looks at the screen. The woman sitting next to him has her arm around his shoulder and is holding a white mug in her other hand.

medium_Long term expats near sofa.png

small_Long term expats near sofa.png

thumbnail_Long term expats near sofa.png

Long term expats near sofa.png

What is long-term care insurance? Pflegeversicherung explained

Long\-term care insurance is one of the many components of [Germany’s healthcare](https://feather-insurance.com/blog/health-insurance-germany-guide/) program. It provides financial security by reducing the burden of nursing and other care expenditures, which reduces the need to depend on friends and family.


In this post, you will learn everything there is to know about long\-term insurance in Germany, including:


- What it is
- Who is covered
- How contributions work
- And what benefits you are entitled to


Let’s dive in.


## What is long\-term care insurance?


Long\-term care insurance (Pflegeversicherung) is a mandatory social insurance program introduced in 1995\. 


Designed to support those who require long\-term care due to illness, disability, or old age, the system helps people maintain their independence and quality of life while receiving necessary care at home or in facilities. 


It provides access to high\-quality medical treatments, equipment, and options for home care, assisted living, or nursing home care.  Long\-term care insurance offers access to palliative and hospice care when needed and supports dignified end\-of\-life care arrangements.


## Who is insured with long\-term insurance in Germany?


Long\-term care insurance covers every German resident, regardless of age. This includes:


- **Employees** with [statutory health insurance](https://feather-insurance.com/health-insurance/public) are automatically enrolled in long\-term care insurance, which employers partially contribute to.
- **Self\-employed individuals** must have long\-term care insurance through the statutory system or a private company.
- **Pensioners** continue to contribute towards long\-term care insurance coverage from their [pension](https://feather-insurance.com/pension-insurance).
- **Unemployed individuals** receiving benefits, like [health insurance during job loss](https://feather-insurance.com/blog/job-loss-insurance), from the state are included in the long\-term care insurance system.
- **Students** are generally covered by long\-term care insurance through their statutory health insurance.
- **Children and non\-working spouses** are typically covered by long\-term care insurance under [family insurance](https://feather-insurance.com/health-insurance/private/family) plans, which comes at no extra cost in statutory insurance.

What's really important for eligibility is if you've been paying into the system via [PV Beitrag](https://feather-insurance.com/blog/the-difference-between-kv-av-rv-uv-and-pv-insurance-payments)


## Who is eligible for long\-term care?


There are a few criteria to become eligible for long\-term care:


1. The individual must be a legal resident of Germany and covered by the German long\-term care insurance system.
2. The individual must have a physical, mental, or psychological illness or disability that limits or prohibits their ability to live independently.
3. The individual must require significant assistance with daily activities for at least six months.
4. You must have a valid [SVNR number](https://feather-insurance.com/blog/svnr-number).


We’ll detail how to apply for long\-term care later in this article.


## How are long\-term care insurance costs calculated?


### Mandatory contribution from salary


As of 2025, the contribution rate for long\-term care insurance in Germany ranges from 2\.6% to 4\.2% of gross salary. This contribution is typically split between the employee and the employer, with the latter paying 1\.8% of the gross salary. The contribution is automatically deducted from salary alongside other social security contributions.


Childless employees over 23 years of age who don’t have children pay a small surcharge.


Contributions are only calculated up to a certain income threshold, known as the contribution assessment ceiling (Beitragsbemessungsgrenze). In 2025, this ceiling is €66,150 annually.


In Saxony, the split is slightly different. Employees pay slightly more because the state enjoys an additional public holiday: “Buß —und Bettag” (Day of Repentance and Prayer).


### Contribution for self\-employed people


Self\-employed people covered by statutory health insurance must pay the total long\-term care insurance contribution rate themselves (3\.4% of their reported income as of 2025\). Self\-employed people opting for [private healthcare](https://feather-insurance.com/health-insurance/private) must purchase private long\-term care insurance with equivalent coverage. 


This calculation applies to the contribution assessment ceiling (Beitragsbemessungsgrenze), which is also €62,100 annually. Any income above this ceiling is not considered for contribution calculations.


The minimum income basis for calculating contributions is €1\.131,67 per month as of 2025\. Even if a self\-employed person earns less than this amount, they still have to pay contributions calculated based on the minimum income threshold.


### Contribution for pensioners


[Pensioners](https://feather-insurance.com/pension-insurance) pay the total long\-term insurance contribution rate (3\.4% as of 2025\) from their pension, usually deducted directly from their pension payments. If an individual receives pensions from different sources or has additional income, contributions will be deducted from each source. Again, a contribution assessment ceiling of €62,100 annually applies (as of 2025\). 


### Difference in contribution for public and private insurance


- While the public long\-term care insurance amount is calculated based on income, the private long\-term care insurance amount is fixed.
- Private long\-term care insurance is calculated based on risk factors such as age and health condition when signing up.
- While children and non\-working spouses are covered at no extra cost under statutory long\-term care insurance, private insurance requires each person to contribute to their policy.
- Benefits, incentives, and other finer details vary across private insurance companies but are standardized across [public health insurance](https://feather-insurance.com/health-insurance/public) companies.


### Supplementary long\-term care insurance


Individuals can purchase private supplementary long\-term care insurance (Zusätzliche Pflegeversicherung) to complement the mandatory statutory long\-term care insurance. 


Its purpose is to provide additional support and benefits for long\-term care needs and maintain a higher living standard when care is required. 


Its price is generally fixed and starts at €15 monthly, but it can vary depending on age and health condition.


## What caring services are covered by long\-term care insurance?


### Mobile care (Ambulante Pflege)


This refers to the system in which professional caregivers provide services in the person’s home.


### Inpatient care (Vollstationäre Pflege)


This refers to full\-time nursing home or facility care for individuals with extensive care needs.


### Partial inpatient care (Teilstationäre Pflege)


This refers to individuals who receive care in a facility for part of the day or night and then return home.


## What benefits do you get with long\-term care insurance?


### Cash benefits for home care (Pflegegeld)


This category of long\-term care benefit provides the flexibility to the recipient to stay at home for longer and utilize the benefit amount as they see fit, including but not limited to compensating family members who provide care, hiring professional caregivers, or purchasing care\-related items. As of 2025, this amount ranges from €316 to €901 per month.


### In\-kind benefits for professional care services


As of 2025, the benefit amount under this category ranges from none for the lower care levels, and up to  to €2,200 per month for level 5 care. It aims to cover the cost of services like (but not limited to) primary medical care, household help, and personal care.


## How do you claim long\-term care insurance?


1. Obtain a long\-term care insurance application form by contacting your health insurance company.
2. Fill out the application form with personal details, information, and a description of care needs.
3. Send the completed form back to your insurance.
4. The Medical Service of the Health Insurance Funds (MDK) will contact you to schedule a home visit for an assessment (more on that below).
5. After the assessment, you’ll receive a written decision about your care level (more on that below) and the benefits that come with it.
6. If you disagree with the decision, you can appeal within a specified timeframe (usually one month).
7. Once approved, you can receive the benefits, including financial support, care services, or equipment.


To note: The process can take several weeks from application to receiving benefits. If you need immediate help, discuss options with your insurance or local social services.


### How does the assessment of the need for long\-term care work?


When an individual or their representative applies for long\-term care benefits, the first step is for an assessor from the Medical Service of the Health Insurance Funds (MDK) to visit the applicant’s home to evaluate the person’s care needs.


The assessment focuses on six key areas:


- Mobility
- Cognitive and communicative abilities
- Behavior and psychological issues
- Self\-care
- Handling of illness/therapy\-related demands and stress
- Organization of daily life and social contacts


The assessor specifies a score for each key area based on the level of independence or assistance required. Based on the total score, the person is assigned a care grade (Pflegegrad) from 1 to 5, with 5 indicating the highest level of care needed (find details below). 


Periodic reassessments are conducted, and the care grade is altered when appropriate. 


## What are care levels, and how do they work?


In Germany, long\-term care needs are categorized into five levels (Pflegegrade). These levels determine the amount and type of benefits a person is eligible for.




| **Care level** | **Level of impairment** | **Expected benefits** | **Care allowance (benefit in kind)** |
| --- | --- | --- | --- |
| 1 | Minor | Limited benefits, mostly for home modifications and care aids | None |
| 2 | Considerable | Home care or cash benefits, partial coverage for nursing home care | €761 monthly |
| 3 | Severe | Increased home care or cash benefits, greater coverage for nursing home care | €1,432 monthly |
| 4 | Most severe | Extensive home care or cash benefits, significant coverage for nursing home care | €1,778 monthly |
| 5 | Most severe with special care requirements | Maximum benefits for home care or cash allowance, full coverage for nursing home care | €2,200 monthly |


The tiered care grade system allows personalized financial support to adapt to individual needs as they evolve.


## What if I never claim my long\-term care insurance?


Germany’s statutory long\-term care insurance amounts go into a collective pool instead of in individual amounts. If an individual does not claim long\-term care benefits, they don’t receive a refund. Unclaimed long\-term care insurance funds remain in the system and are used to contribute towards the care of others who need it. 


For private long\-term care insurance in Germany, handling unclaimed insurance amounts can differ from the statutory system and vary across insurance companies and contracts.


[BP] long term care insurance pflegeversicherung explained

Best private health insurance in Germany: Our top 3

Once you’ve decided between private and public health insurance in Germany, the next step is deciding on the best private health tariff for your situation. With more than 30 private health insurance providers to choose from, picking the best plan for you can be tricky. 


To help you simplify the process, we tested over a dozen private health insurance tariffs based on their price, coverage, accessibility, customer support, and reviews. 


We found the following companies stand out from the rest: 


- [Feather](https://feather-insurance.com/health-insurance/private)
- [Ottonova](https://www.ottonova.de/en/ml/af-sign-up-process?utm_source=financeAds&utm_medium=affiliate&utm_campaign=20210801.financeads.top_funnel.expat.text.&utm_term=59808&s_id=1664708830X59808C285653786TS59808-1535)
- [Signal Iduna](https://signal-iduna.de/produkte/private-krankenversicherung/angestellte/#accordion-9cefd6e769-item-85b460ee5f)

Still unsure whether private health insurance is for you? We recommend two posts:
1. [Is private health insurance worth it in Germany?](https://feather-insurance.com/blog/private-health-worth-it)
2. [Public vs. private health insurance in Germany](https://feather-insurance.com/blog/public-vs-private-health-insurance-germany)

## The best private health insurance companies at a glance




|  | **Best for** | **Starting Price** | **Standout Feature** | Trustpilot Rating |
| --- | --- | --- | --- | --- |
| Feather | Best overall | From €195 monthly | Fully digital, English customer support | [4\.9/5](https://www.trustpilot.com/review/feather-insurance.com) |
| Ottonova | Convenience | From €215 monthly | Concierge service for doctor’s appointments | [3\.3/5](https://www.trustpilot.com/review/ottonova.de) |
| Signal Iduna | Those on a budget | From €170 monthly | Comprehensive coverage on entry\-level tariffs | [3\.4/5](https://de.trustpilot.com/review/www.signal-iduna.de) |


With that in mind, let’s take a closer look at each company and what makes the best option for different individuals. First, let’s see what a private insurance plan should offer and how each compares. 


### What we looked for in our test to find the 3 best private health insurance companies


One of the [major advantages of private health insurance](https://feather-insurance.com/blog/public-vs-private-health-insurance-germany/) is the option to customize your coverage to suit your particular needs. 


In general, broader coverage comes at a higher tariff price. However, there are some basics that a quality [private insurance plan should cover](https://feather-insurance.com/blog/health-insurance-guide-private-health-insurance).


**Outpatient services:** A good plan should cover all of the costs for regular doctor or specialist visits. They should also make it easy to access these visits and allow you to choose your own doctor. 


**Medication:** A plan should cover the cost of prescription medications and non\-generic drugs on the best plans


**Dental coverage:** The best plans cover a minimum of 90% of the cost for regular dental treatments and 75% for costly dentures. However, most insurers set a maximum that can be reimbursed during the first years of coverage.


**Visual aids:** Quality plans should cover some of the expenses for glasses, contact lenses, or laser treatments.


## Best overall private health insurance in Germany: Feather Insurance


Feather is a Berlin\-based insurance company offering products across health, liability, household and personal insurance. For customers looking for private health insurance, we offer comprehensive, customizable coverage across three plans: 


1. Standard
2. Plus
3. Premium.


### What makes Feather the best overall?


The affordable, comprehensive, and customizable coverage across multiple plans to suit your lifestyle. All of our plans give you free choice of doctor and no deductibles.


Our fully digital sign\-up process and online\-first management for all policies including claims and updating information makes navigating bureaucracy easier, especially for expats and those new to the German healthcare system.


Comprehensive coverage also extends to support for psychotherapy, regardless of your plan. There’s no annual limit to the number of sessions we’ll cover. Feather also offers up to 100% coverage for fertility treatments on its Plus plans. 


All\-in\-all, the broad coverage offered across all 3 of our plans makes Feather an ideal choice for individuals looking for broad, affordable private insurance coverage.


Our comprehensive coverage is matched by our customer support, which makes it easy to switch and identify the right plan for your needs.  In fact, our customer support is the [best\-rated in Germany](https://www.trustpilot.com/review/feather-insurance.com) with an average Trustpilot rating of 4\.8/5\. 


### Pros \& cons of Feather’s private health insurance




| **Pros:** | **Cons:** |
| --- | --- |
| No deductibles across all plans | Can be difficult to join with [preexisting conditions](https://feather-insurance.com/blog/pre-existing-conditions/) as a medical examination is not normally required to join |
| Free choice of doctor across all plans | Mental health claims take longer to process due to the level of coverage offered |
| Generous coverage for psychotherapy and natural treatments on the Plus and Premium Plans |  |
| Up to 100% coverage for fertility treatments on the Premium plan |  |


### Feather’s coverage




|  | **Standard** | **Plus** | **Premium** |
| --- | --- | --- | --- |
| Price | From €498 monthly | From €647 monthly | From €732 monthly |
| Deductible | No deductible | No deductible | No deductible |
| General doctor’s visits | 100% | 100% | 100% |
| Hospitalisation | Shared room, no chief physician treatment | Private room (2 bed), treatment by chief physician | Private room (1 bed), treatment by chief physician |
| Dental | 70–100% | 80–100% | 90–100% |
| Vision | €150 every 2 years | €300 every 2 years | €450 every 2 years |
| Psychotherapy | 70% (unlimited number of sessions per year) | 80% (unlimited number of sessions per year) | 90% (unlimited number of sessions per year) |
| Natural medicine | X | 80% (€1,200 per year) | 80% (€2,400 per year) |

Sign up for private health insurance

Not sure if private health insurance is right for you? [Get a personalized recommendation based on your lifestyle](https://app.feather-insurance.com/recommendation-tool/intro).


## Best private health insurance for additional services in Germany: Ottonova


Ottonova is a digital\-first insurance company offering private health insurance across three plans: 


1. Premium
2. Pro
3. Pro\+.


### What makes Ottonova the best for additional services?


Their support includes their concierge service that’s free\-to\-use and included in your monthly premium. 


Through the concierge service, you can get support booking doctor’s appointments and the option to speak to a doctor on the app over a live video call. This makes it easier to get diagnoses, prescriptions, and sick notes. 


You can also process all invoices directly through the app by simply photographing and uploading them. 


### Pros \& cons of Ottonova’s private health insurance




| **Pros:** | **Cons:** |
| --- | --- |
| Concierge service for booking doctor’s appointments and preventative treatments | Additional services come at a higher tariff cost |
| Free choice of doctor | It is a young, small (and unprofitable) company with a limited customer base, making it a riskier option |
| Lifetime coverage guaranteed for all plans | Doctor’s consultation required before signing up |
| Worldwide cover outside the EU for 6 months |  |


### Ottonova’s coverage




|  | **Premium Economy** | **Business Class Pro** | **First Class Pro\+** |
| --- | --- | --- | --- |
| Price | From €552 monthly | From €676 monthly | From €730 monthly |
| Deductible | €500 annually | No deductible | No deductible |
| General doctor’s visits | 100% | 100% | 100% |
| Hospitalisation | Double room and treatment by chief physician | Double room and treatment by chief physician | Private room and  treatment by chief physician |
| Dental | 60–100% | 80–100% | 90–100% |
| Vision | €150 every 3 years | €300 every 2 years | €500 every 2 years |
| Psychotherapy | 75% for a maximum of 50 sessions | 90% reimbursement per session for session 1\-25 and after that 75% reimbursement per session | 90% reimbursement per session for session 1\-50, and 75% reimbursement after session 50 |
| Natural medicine | €500 per year | €1,000 per year | €2,000 per year |


### How to get Ottonova’s health insurance policy


If you’d like to learn more about an ottonova tariff, check out [their website](https://ottonova.de/) for more information and the processes for getting covered. 


## Best private health insurance for those on a budget: Signal Iduna


Signal Idunais one of the largest private health insurance companies in Germany with over 2\.4 million customers. 


Due to their size, they’re able to offer comprehensive plans to suit a variety of budgets. One of the ways it’s able to do this is by offering 6 tariffs offering different levels of comprehensive coverage.


Their lower cost doesn’t come at the expense of customer service: Signal Iduna remains a well\-rated large health insurance, with an average Trustpilot rating of [3\.5/5](https://de.trustpilot.com/review/www.signal-iduna.de). 


### Pros \& cons of Signal Iduna’s private health insurance




| **Pros:** | **Cons:** |
| --- | --- |
| 6 tariffs offering different levels of coverage to suit those multiple budgets | Limited coverage for psychotherapy on entry\-level plans and alternative practitioners |
| Comprehensive medical coverage on entry\-level plans |  |
| Coverage for dental and vision included in all tariffs |  |


### Signal Iduna’s coverage




|  | START | COMFORT | EXCLUSIVE |
| --- | --- | --- | --- |
| Price | From €170 monthly | From €280 monthly | From €340 monthly |
| Deductible | Dependent on tariff | Dependent on tariff | Dependent on tariff |
| General doctor’s visits | 100% | 100% | 100% |
| Hospitalisation | Shared room, treatment by chief physician only after an accident | Option for private room after a €40, co\-payment, treatment by chief physician | Option for private room,  treatment by chief physician |
| Dental | 100% for basic care, 75% – 90% for dentures | 100% for basic care, up to 90% for dentures | 100% for basic care, up to 90% for dentures |
| Vision | Up to €300 | Up to €600 | Up to €600 |
| Psychotherapy | Prior approval required | Up to 80% (maximum of  50 sessions per year) | Up to 100% (maximum of  50 sessions per year) |
| Natural medicine | X | Up to 80% | Up to 100% |


### How to get Signal Iduna’s health insurance policy


To get private health insurance from Signal Iduna, you can [request an online quote](https://signal-iduna.de/produkte/private-krankenversicherung/angebot/) from their private insurance portal to see what tariffs are available for your lifestyle and personal situation.


## Our methodology: How we compared private insurance companies


Everyone’s personal circumstances are unique.  Determining the best health policy for an individual starts with understanding their personal situation and what they need from a health tariff.


Likewise, the costs and specifics of a private health plan also depend on factors like: 


- Your current health status
- Age
- Number of dependents
- Income
- Occupation


Because of this, it’s impossible to compare plans across all circumstances. 


As a result, we used a fictional customer profile to ensure that we compared plans against one set of information. This fictional customer is: 


- 30 years old
- Earns €70 000 per year
- Has no dependents yet
- No chronic health conditions
- Is employed full time


This is intended as a guide to help compare different plans and does not replace getting a personalized recommendation to get the right cover for your specific needs. 


The prices contained in this article are listed as current, but are subject to change. Readers are advised to verify all information with a provider before signing up for any services. 


All information on price, coverage, limitations and accessibility, comes from information provided on each company’s website or policy document. 


With that out of the way, let’s look at how we evaluated the products.


To evaluate the products, we looked at the following general methods for assessing a plan’s quality: 


- **Plan Flexibility:** Here, we considered how easy it is for customers to customize or cancel their coverage to see if plans can evolve with their changing circumstances.
- **Cost\-Effectiveness:** To do this, we compared the price of the tariff against the coverage it offers. For example, if our fictional customer required psychotherapy, we considered what share of the costs each plan covers, as well as the number of sessions covered.
- **Limitations and Exclusions:** For each company’s policies, we also looked at the list of exclusions, limits on consultations or services, and conditions affecting coverage.
- **Convenience and Accessibility:** Another factor we considered is the convenience and accessibility of health services under a given tariff or provider. This includes how easy it is to access specialist treatment without referrals or long waiting lists.
- **Other Medical Considerations:** We also looked at whether companies offer free choice of doctor and access to treatments that align with a person’s individual preferences like natural or alternative medicine.
- **Customer Support:** Good customer support is crucial in a health plan provider and ensures you’re able to navigate health services successfully. To evaluate the quality of customer service we looked at customer service hours, availability of live chat or phone support, customer reviews  and availability of support in English (if you don’t speak German).
- **Insurer Reputation:** We looked at each company’s reputation and perceived quality from current and past customers. To do this, we looked at each company’s overall Trustpilot score and the general consensus on the quality of their services.


## Conclusion


Feather is the best overall private insurance company in Germany due to its great coverage relative to its price, customer support in multiple languages, and coverage for mental health and natural therapies. 


However, because everyone’s situation is unique, it’s important to assess if this is the right product for you. 


[Get a personalized recommendation based on your lifestyle](https://app.feather-insurance.com/recommendation-tool/intro). 

[BP] best private health insurance germany