German social insurance is a public insurance system, which plays a predominant role in Germany's overall social security. Based on the solidarity of the community of the insured, it provides effective financial protection against major life risks, including illness, unemployment, old age, industrial accidents and the need for long-term care. There are more than 100 different types of public health insurance and you will need to choose one of them. Roughly 90 percent of the population in Germany are members of the public health insurance system.
German health insurance companies can differ greatly not only by their benefits and services, but also by their price. A switch from one insurance provider to another can bring up to 450 € savings per year. In its publication from June 2014, Stiftung Warentest analyzed the benefits and services of 78 public health insurance companies.
To help you make the best choice, check the information below. Once you have your insurance confirmation (and your card), don’t forget to give your employer your insurance certificate within the first month of employment.
Below, you will find our selection of 4 public insurance companies with the best scores:
*Tip: Be aware that not all insurance companies offer assistance or information about membership in English. The TK seems to be the best for non-German speakers.
If you want to access a larger range of public health insurance offers, please review the list on 0800-krankenkassen.de. Further details about the results of the tests conducted from Stiftung Warentest can be accessed here.