Skip to main content
Get Started
Doctor with stethoscope in a modern clinic — private health insurance for expats in Germany
 
  For Indian Expats in Germany · English & Hindi Support

Get Private Health Insurance
in Germany — in 30 Minutes

From ~€300/month for IT professionals. Better doctors, no waiting queues, full English advice — and your employer pays ~50%.

100% Free Advice Licensed Broker §34d GewO Reply within 2 hours
★★★★★ Trusted by 1,500+ Indian expats in Germany | Licensed broker — we work for you, not for insurers | Broker ID: D-W3MC-6Q0LJ-78
Starting from
~€300/month
Depends on age, health & tariff
Employer pays
~50%
Of your monthly premium
Specialist access
Same day
No referral, no waiting months
Our response time
< 2 hours
Even on weekends via WhatsApp
💡
Are you eligible for PKV?
Employees earning above €77,400/year (2026 threshold) can leave GKV. Self-employed & freelancers can join PKV at any income level. Not sure? Send us a WhatsApp → We'll check for free in minutes.

GKV vs. PKV — What you're actually getting

Why high-earning Indian expats switch from statutory to private health insurance.

GKV Statutory Health Insurance
Monthly cost: 16%+ of gross salary (€700–900/month for high earners)
Waiting time: Weeks or months for specialists
Doctor choice: GKV-contracted doctors only
Hospital room: Shared — no upgrade option
Dental: Basic coverage only
India/worldwide: Almost nothing covered
→ You pay more and get less as your salary grows.
PKV Private Health Insurance
Monthly cost: Risk-based — often €300–500 (employer pays ~50%)
Waiting time: Same-day or next-day appointments
Doctor choice: Any specialist — no referral needed
Hospital room: Private room + chief physician
Dental: 80–100% reimbursement
India/worldwide: Full coverage included
→ Premium coverage at a predictable cost — employer pays ~50%.
Could you be overpaying GKV right now?
Send us your gross salary on WhatsApp — we'll calculate your savings in minutes.
Check My Savings — Free

How it works — 3 simple steps

Most clients have active PKV within 5 business days.

1
Tell us about yourself
Age, salary, health status, what matters most to you. We explain everything in English or Hindi — no jargon.
2
We compare & recommend
As independent brokers we compare 40+ PKV tariffs across all major insurers and recommend the best fit for your needs and budget.
3
You're covered — done
We handle the application, health questions, and GKV cancellation. Your premium PKV starts from day one. We stay your advisor for life.

What's covered with PKV

Premium benefits that statutory insurance simply can't match.

🏥
Premium medical care
Direct access to top specialists, private hospital rooms, and chief physician treatment — no referrals, no waiting
🦷
Dental coverage
80–100% reimbursement for dental treatments, implants, crowns, and orthodontics — GKV covers only a fraction
✈️
Worldwide + India coverage
Full coverage during trips to India and worldwide — emergency treatment, hospital stays, and repatriation included
💰
Sick pay protection
Krankentagegeld ensures your income is protected if you're unable to work — essential for self-employed expats

Real situations where PKV makes the difference

How private health insurance helps Indian expats in Germany.

Private health insurance consultation for Indian expats in Germany
💼 IT professional saves €200/month
A 30-year-old software engineer earning €85,000 switched from GKV to PKV. Premium dropped from €450 to ~€250/month — with far better coverage and employer paying half.
🦷 Family saves €5,000 on dental
A Munich family needed two dental implants worth €6,000. PKV reimbursed 90% — saving €5,000+ compared to GKV which covers barely 20%.
🇮🇳 Full hospital bill covered in India
An expat was hospitalized during a family trip to India. PKV covered the entire bill including specialist treatment — GKV would have covered almost nothing outside the EU.
Get My Free PKV Recommendation
No forms, no waiting rooms — quick response in English or Hindi

Good to know — what to consider

PKV is powerful, but there are things to keep in mind.

  • Pre-existing conditions may lead to surcharges or exclusions — early application is key
  • Switching back to GKV is difficult after age 55 or if income drops below the threshold
  • Family members are not automatically co-insured — each person needs their own contract
  • Premiums can increase with age, but age reserves (Altersrückstellungen) help stabilize costs
  • You pay upfront and get reimbursed — unlike GKV's direct-billing model
  • Waiting periods may apply for certain treatments in the first months
This is exactly why personal advice matters. We analyze your specific situation and ensure PKV is the right long-term choice for you.

Who should consider PKV

Private health insurance is especially attractive for these groups.

  • IT professionals earning above €69,300/year — you qualify to leave GKV and often save significantly with better coverage
  • Self-employed expats — no income threshold required, often cheaper than voluntary GKV
  • Freelancers — full flexibility to choose your coverage level and only pay for what you need
  • Blue Card holders — switching to PKV early locks in low age-based premiums

What our clients say

Real stories from Indian expats who switched to PKV.

★★★★★
"I was paying €480/month in GKV. Martin switched me to PKV for €290/month — with private rooms and full dental. My employer pays half, so I only pay €145. Best decision I made in Germany."
P
Priya S.
Software Engineer · Munich · IT Visa
★★★★★
"As a freelancer, GKV wanted €950/month from me. NEOdirect found me a PKV tariff for €380 with worldwide coverage. The whole process was smooth and fully in English."
R
Raj K.
Freelance Developer · Berlin · Self-employed
★★★★★
"I needed a specialist urgently and got an appointment within 2 days with PKV. In GKV I waited 3 months last time. Martin explained everything about long-term costs too — very transparent."
A
Anita M.
Consultant · Frankfurt · Blue Card

Your expert for private health insurance

M
Nina Feddersen
Licensed Insurance Broker · NEOdirect
I help Indian expats navigate the complex German health insurance system — in English or Hindi. Whether you should stay in GKV or switch to PKV depends on your individual situation. I'll give you an honest, data-driven recommendation.
📖
Want to learn more first?
Read our detailed guide on private health insurance in Germany — who qualifies, what it costs, and whether it's right for you.
Read the guide →

FAQ — Private Health Insurance (PKV)

Quick answers to the most common questions.

Can I switch back to GKV from PKV?+
Switching back is possible but restricted. If your salary drops below the JAEG threshold (€69,300 in 2026) for a full calendar year, you can return to GKV. After age 55, returning is nearly impossible. This is why we always discuss the long-term implications before recommending PKV.
What if I lose my job — can I still afford PKV?+
If you become unemployed, you typically return to GKV since the employment agency pays GKV contributions. If you find a new job above the JAEG threshold, you can re-enter PKV. Self-employed individuals can switch to a basic tariff (Basistarif) with capped premiums if needed.
Is PKV still affordable when I'm older?+
Premiums can rise with age, but insurers are legally required to build age reserves (Altersrückstellungen) from your premiums. Choosing a tariff with strong reserves and contributing early keeps premiums manageable. We model your costs up to retirement age so there are no surprises.
What about my family — are they covered too?+
Unlike GKV, PKV does not offer free family co-insurance. Each family member needs their own contract. However, children's premiums are significantly lower (~€100–150/month). We always calculate the total family cost before recommending a switch.
How does the employer contribution work?+
Your employer pays up to 50% of your PKV premium, capped at the maximum GKV employer contribution (~€421/month in 2026). For most employees this means your employer covers roughly half your premium — making PKV significantly more affordable than the sticker price.
What happens to my PKV if I return to India?+
Most PKV plans can be suspended (Anwartschaft) when you leave Germany, which preserves your age-based premium rate. This is an important question we always discuss before choosing a plan — especially for expats who may return to India in the future.
Ready to upgrade your health insurance?
Independent advice · English & Hindi support · Free PKV comparison
No obligation · Licensed broker §34d GewO · Responds within 2 hours