With private health insurance, you gain access to top-quality medical care, free choice of doctors and hospitals, as well as comprehensive benefits that go beyond statutory health insurance.

Comprehensive medical care tailored to individual needs

Comprehensive medical care tailored to individual needs

Private health insurance provides access to high-quality medical care, individually tailored benefits, and faster treatment options.

Top Dental Supplementary Insurance Covers up to 100% of Costs

Top Dental Supplementary Insurance Covers up to 100% of Costs

With private health insurance, you have the freedom to choose your doctors and hospitals, allowing you to receive treatment according to your personal preferences and needs.

Shorter waiting periods and extended benefits

Shorter waiting periods and extended benefits

Private health insurances often have shorter waiting periods for certain treatments and extended benefits such as treatment by chief physicians and single-room accommodation in hospitals.

Private Health Insurance

As a private patient with NEODIRECT - PRIVATE HEALTH INSURANCE +, you enjoy a free choice of doctor and hospital in case of illness - including chief physician treatment or alternative practitioner services.
Whether it's sickness allowance, reimbursement of prescription fees, or access to top-quality medicine - your private health insurance adapts to your needs.


Protected all around!


Discover Premium Private Health Insurance Solutions for Expats

Your Gateway to Exceptional Healthcare Worldwide

Navigating the complexities of healthcare in a new country can be daunting, especially for expats who seek the best medical care without compromise. At Neodirect Insurance Brokers, we specialize in providing premium private health insurance plans tailored specifically for expatriates. Our bespoke solutions ensure that, no matter where life takes you, your health and well-being remain our top priority.

Tailored Health Coverage for Every Expat

Understanding the unique needs of the expatriate community, we've designed our private health insurance plans to offer unparalleled flexibility and comprehensive coverage. Whether you're moving abroad for work, study, or adventure, our plans ensure you have access to top-tier medical professionals and facilities worldwide.

Why Choose Our Private Health Insurance?

  • Global Medical Network: With our private health insurance, expats enjoy the freedom to choose their healthcare providers, ensuring access to the highest quality care, whether at home or abroad.
  • Customized Plans: We understand that every expat's health needs are different. That's why we offer customizable plans that allow you to tailor your coverage, including options for head physician treatments and private room hospital stays.
  • Peace of Mind: Your health should be the last thing you worry about when exploring new horizons. Our private health insurance plans provide the security and peace of mind you need to fully embrace your expatriate lifestyle.

Seamless Healthcare Experience for Expats

Our commitment is to make your healthcare experience as seamless as possible. From easy policy setup to hassle-free claims processing, we ensure that managing your health insurance is straightforward and efficient. With our expert support team, assistance is always a call away, so you can focus on what truly matters—enjoying your expat journey.

Join the Community of Satisfied Expats

Become part of a growing community of expats who have found their ideal healthcare partner in us. Experience the difference of having a private health insurance plan that not only meets your needs but exceeds your expectations.

Ready to Elevate Your Expat Healthcare Experience?

Take the first step towards securing your health abroad. Explore our range of private health insurance plans designed for expats and discover how we can help you stay healthy and worry-free, wherever you are in the world.

Contact us today to find out more and tailor your health coverage to fit your expatriate lifestyle perfectly.


1. Making the Switch: Your Guide to Private Health Insurance

Embrace a Seamless Transition to Private Health Insurance

Considering a move to private health insurance? The decision to switch from public to private health insurance is significant, offering personalized care and faster access to specialists. Before you leap, it's essential to assess your healthcare needs, compare various plans for coverage and costs, and understand the eligibility criteria. This guide provides practical advice on evaluating your options and ensuring a smooth transition to a plan that fits your lifestyle and health requirements perfectly.

2. The Expatriate's Roadmap to Private Health Insurance

Navigating Your Health Coverage Options Abroad

As an expat, securing the right private health insurance is crucial to ensuring peace of mind in your new home country. Start by researching the healthcare system of your host country and identify insurance providers with a strong international network. Consider plans that offer comprehensive global coverage, including emergency repatriation. Understanding the fine print and exclusion clauses is also key to avoiding unexpected costs. Follow our expert tips to choose a private health insurance plan that keeps you covered anywhere in the world.

3. Unlock the Benefits: Transitioning to Private Health Insurance

Maximize Your Health Coverage with the Right Plan

Transitioning to private health insurance opens up a world of benefits, including shorter waiting times and access to private hospital rooms. To fully capitalize on these advantages, compare the benefits against the costs, considering factors like co-payments and deductibles. Look for plans that offer flexibility in choosing healthcare providers and cover a wide range of medical services. This guide helps you unlock the full potential of private health insurance, ensuring you get the most out of your coverage.

4. Your Health, Your Choice: Switching to Private Health Insurance

Personalize Your Healthcare Experience with Private Coverage

The choice to switch to private health insurance means prioritizing your health and comfort. This transition allows for a more personalized healthcare experience, giving you control over your choice of doctors and hospital facilities. To make an informed decision, evaluate your current and future health needs, considering lifestyle, family medical history, and potential changes in your health status. Our tips guide you through selecting a private health insurance plan that offers the perfect blend of coverage and flexibility.

5. Step-By-Step: Simplifying Your Move to Private Health Insurance

Ease Your Transition with These Expert Insights

Moving to private health insurance can seem daunting, but it doesn't have to be. Begin by setting clear health coverage goals and prioritising features that are most important to you, such as preventive care and mental health services. Understanding the claims process and network restrictions is also vital to avoid surprises. This step-by-step guide offers practical insights to simplify your transition, helping you choose a private health insurance plan that aligns with your health objectives and budget constraints.

6. Leverage Premium Refund Options 

Maximize Your Savings: Tips for Premium Refunds

Many private health insurance plans offer the benefit of premium refunds if you haven't made any claims within a specific period. This feature can be particularly advantageous, acting as a financial bonus during years of good health. To make the most of this:

  • Review Your Policy: Understand the conditions under which your insurer offers premium refunds. Some policies may offer annual refunds, while others might calculate this on a different basis.
  • Preventive Care: Invest in preventive health measures to maintain your well-being and reduce the likelihood of needing to file a claim. Regular check-ups, a healthy lifestyle, and early intervention can keep you healthier longer and increase your eligibility for refunds.
  • Policy Comparison: When selecting a health insurance plan, compare the refund policies of different insurers. Look for those that offer the most favourable terms for premium refunds, enhancing your potential savings over time.

7. Plan for Contribution Relief in Retirement 

Minimize Your Costs: Tips for Reducing Costs in Retirement

As you approach retirement, it's crucial to consider how your health insurance contributions will impact your financial security. Some insurers offer plans designed to reduce your premiums as you age.

  • Age-Based Contribution Adjustment Plans: Look for insurance providers that offer plans with built-in mechanisms to lower your premiums in later life. These plans might require higher contributions in your earlier years but promise significant relief when you're on a fixed income.
  • Savings Plans for Health Insurance: Consider investing in a savings plan specifically designed to offset health insurance premiums in retirement. Some insurers or financial institutions offer products that allow you to build a fund over time, which can be used exclusively to cover or reduce your health insurance contributions in retirement.
  • Review and Adjust Coverage: As your lifestyle changes in retirement, so do your health insurance needs. Regularly reviewing and adjusting your coverage can ensure you're not paying for unnecessary extras. Tailoring your policy to match your current health status and needs can lead to substantial savings.

Who is eligible for private health insurance (PKV) in Germany?

Eligibility for private health insurance in Germany primarily depends on your employment status, income level, and whether you are a civil servant or self-employed. Generally, if your gross annual income exceeds the income threshold set by the government (Jahresarbeitsentgeltgrenze), you can opt for private health insurance.

In 2024, this limit is 69,300 euros in gross income per year.

Civil servants, self-employed individuals, and freelancers can also choose private insurance regardless of their income.

What are the benefits of choosing private health insurance over statutory health insurance (GKV)? 

Private health insurance often offers more extensive and personalized coverage compared to statutory health insurance. Benefits include shorter waiting times for appointments, access to private or specialist care, the option for private hospital rooms, and coverage for additional services like dental and alternative treatments. Policies can be tailored to individual needs, providing a level of flexibility and personalization not typically found in the statutory system.

How are premiums for private health insurance determined? 

Unlike public health insurance, where premiums are based on your income, private health insurance premiums are calculated based on your age, health status at the time of application, and the scope of coverage you choose. This means healthier individuals or those seeking less comprehensive coverage may pay lower premiums. However, premiums can increase with age or as healthcare costs rise.

Can I switch from statutory to private health insurance or vice versa? 

Depending on the conditions, such as an income level above the limit, it is still possible to switch to private health insurance from statutory. However, the return to statutory insurance after switching to private gets a bit more complicated, especially for older people or those who have had private insurance for a long time. There are a few special conditions under which a switchback is possible like your income being reduced to a figure below that requires mandatory insurance or you're becoming eligible for statutory insurance because of employment.

What should I consider before registering for private health insurance?

Before opting for private health insurance, consider your present and future medical needs, your financial standing, and whether you plan on staying long-term in Germany. Compare different insurers and policies until you find the combination that best suits your needs. Special care should be taken of the increase in premiums, the change in the amount of benefits depending on age (Alterungsrückstellungen), and the coverage of dependents. An independent insurance broker can help you learn more and decide.

More questions:

  1. What is health insurance?
    Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. In many countries, health insurance covers the insured for preventive care services.

  2. What is the penalty for not having health insurance in Germany?
    In Germany, health insurance is mandatory for all residents. Those without health insurance may face penalties such as being back-charged for the insurance they should have had, plus fines.

  3. Which health insurance is best for Germany?
    The best health insurance depends on your specific needs. Still, popular options include Techniker Krankenkasse (TK), AOK, and BARMER for public health insurance and Allianz, Ottonova, and Hallesche for private health insurance. Consider the possibility of choosing expat insurance for the first time in Germany.

  4. Can you get health insurance without a job in Germany?
    Yes, you can get health insurance in Germany even without a job. You can opt for mandatory public or private health insurance depending on your residency status and income.

  5. Which insurance is best for expats in Germany?
    Expats often prefer international health insurance plans or private German health insurance companies that offer comprehensive coverage and flexibility.

  6. How much does TK insurance cost?
    The cost of TK insurance, like other public health insurance, is based on your income, generally around 14.6% to 15.6% of your gross income, shared between you and your employer.

  7. Which is the best Krankenkasse in Germany?
    The best Krankenkasse (health insurance fund) varies by individual needs. Techniker Krankenkasse (TK), AOK, and BARMER are among the top choices for their coverage and customer service.

  8. How to register for German health insurance?
    To register for a Krankenkasse, fill out the application form from the selected health insurance and provide the necessary documents, such as your ID, visa, photo, and proof of address in Germany.

  9. Does German health insurance cover dental?
    In Germany, statutory health insurance covers essential dental treatments, but if more extensive procedures may require additional private dental insurance.

  10. Is it illegal not to have health insurance in Germany?
    Yes, health insurance is mandatory for all residents of Germany, whether through a public or private provider.

  11. What is the difference between private and public health insurance in Germany?
    Public health insurance is based on income and covers family members without additional costs. Private insurance premiums are based on health status and age, offering more personalized services.

  12. How does private health insurance work in Germany?
    Private health insurance offers plans based on individual risk factors and often provides more comprehensive coverage and shorter waiting times for medical services.

  13. Health insurance in Germany for foreigners?
    To obtain a residency permit, foreigners must have health insurance coverage from a German provider or an international insurance recognized in Germany.

  14. Health insurance in Germany for visitors?
    Your visitors can purchase travel health insurance from German providers or international companies that cover your guests for their stay in Germany.

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