How to Choose Health Insurance
How to Choose Health Insurance\n\n[LONG FORM CONTENT WILL GO HERE LATER]
Step-by-Step Overview
Understand the two systems — GKV (public) is mandatory for most employees; PKV (private) is for freelancers and high earners.
Check if you qualify for PKV — you need to earn above €69,300/year (2024) or be self-employed.
Compare GKV providers — the base rate is the same, but additional contributions vary.
Consider your needs — PKV offers faster appointments and more services, but premiums increase with age.
Sign up through your employer (GKV) or directly with the insurer (PKV).
Get your insurance confirmation — your employer needs this before your first paycheck.
What you will need
Employment contract or proof of income
Passport
Residence permit