The German health system, consisting of public and private health insurance policies, is considered the 4th best in the world. Private Krankenversicherung or private health insurance companies extend the benefits to ensure high-quality medical care for both local and international citizens. Choose the most affordable policy for your financial security during any medical emergency or accident.
List of the Best Private Health Insurance Companies in Germany
Germany’s healthcare system is known for its excellence and accessibility. At its core are health insurance companies, serving a diverse population with affordable medical and dental treatments to families, residents, and international visitors. The top German health insurance companies, with their unique offerings and advantages, include;
AOK – Allgemeine Ortskrankenkasse
AOK, formally known as Allgemeine Ortskrankenkasse, is a prominent non-profit health insurance provider in Germany. Its dedication to serving the citizens and permanent residents makes it a preferred choice for those pursuing their education in Germany.
- AOK boasts an extensive network of healthcare providers, including access to 130 doctors and dentists.
- Financial concerns can be a significant burden due to the expensive health in the country, but AOK eliminates the need for upfront payments. This means that people can receive essential medical treatments without the immediate financial strain.
- In terms of coverage, AOK offers a wide range of services, encompassing drug prescriptions, dentistry, therapy, and sickness allowances.
- To keep up with the digital age, AOK has fully embraced digitalization. They offer convenient services such as eyeglass coverage, contact lenses, vaccinations, and membership in fitness programs, all accessible through digital platforms.
2. Barmer
Barmer stands as one of the largest health insurance companies in Germany, with over 80 million people placing their trust in its services.
- The vast customer base of Barmer underscores its reliability and popularity among Germans and international residents alike.
- Barmer extends its benefits to family members, offering free family insurance. This means that not only the student but also their loved ones can enjoy the comprehensive coverage offered under the same plan.
- For expectant mothers, Barmer provides a dedicated pregnancy budget. This budget covers essential prenatal care, ensuring a healthy and supported pregnancy journey.
- Barmer’s commitment to convenience is evident through its telemedicine services, allowing patients to schedule appointments with doctors quickly and efficiently.
3. DAK Health Insurance
DAK Health Insurance company in Germany takes pride in offering easy and comprehensive healthcare coverage for citizens in Germany.
- These top medical insurance providers ensure coverage for all essential health treatments, surgeries, and medications. This eliminates uncertainty when it comes to accessing medical care.
- The emphasis on preventive care sets DAK among the best health insurance companies in Germany. They offer regular check-ups, scans, and wellness programs to help individuals maintain good health and detect potential issues early on.
- DAK extends its support with offerings like yoga, anti-stress exercises, and cancer screenings.
- DAK collaborates with an extensive network of healthcare professionals, including doctors, surgeons, and pharmacists.
- Family members can also benefit from DAK’s coverage, as they can be co-insured under the same plan. This provides comprehensive protection for loved ones, offering peace of mind.
4. AXA Health Insurance
AXA Health Insurance is renowned for its comprehensive coverage and support across an individual’s lifetime, with a particular focus on mental health support and offering a range of affordable services and resources to address mental health challenges.
- AXA provides access to international specialists and expert care, including the Virtual Doctor service for remote consultations. This can be particularly valuable for individuals who may require specialized medical attention.
- When it comes to claims, AXA ensures quick processing, with over 80% of eligible claims being paid within 48 hours. This rapid turnaround time provides peace of mind during challenging times.
- AXA’s emergency coverage is comprehensive, including ambulance transport, overnight hospital stays, and surgery. In emergencies, individuals can rest assured that they have access to the necessary medical care.
- The company’s digital tools simplify the management of healthcare needs, from making claims to finding healthcare providers nearby. This convenience allows individuals to focus on their recovery and explore their new surroundings.
5. Techniker Krankenkasse (TK)
Techniker Krankenkasse, often referred to as TK, is a highly popular health insurance provider in Germany, known for its comprehensive coverage and emphasis on preventive care.
- TK’s coverage spans various medical treatments and consultations with healthcare professionals, ensuring that individuals can access the care they need without hesitation.
- Hospital stays, including surgeries and related treatments, receive full coverage under TK Insurance. This comprehensive coverage provides peace of mind in case of major medical events.
- Prescription medications are a critical aspect of healthcare, and TK includes coverage for them, following pharmaceutical formulary guidelines.
Conclusion
Selecting the top health insurance company in Germany is of paramount importance as it enables national and international citizens to get the best medical and dental facilities at affordable costs. Get the best private hospital visits and GP appointments by choosing these famous medical insurance companies.
FAQs
What is the minimum salary for a private health insurance company in Germany?
The minimum salary for an employee to be eligible for governmental or private insurance plans ranges between 60,000-66,000 € per year.
Which health insurance is best for international students in Germany?
International students residing in Germany can get public health insurance. This is subject to the official laws of the country, including the age and the university you are admission to.
What is the cost of health insurance in Germany?
Germany has many top health insurance companies with variable rates. On average, the insurance can cost between EUR 100 and EUR 500 per month.
