The German Private Health Insurance Blog
Independent, English-language deep dives on German PHI, visas and moving to Germany — written by a broker, not a marketing team.
Can I Use My Foreign Health Insurance in Germany? A Complete Guide for Expats
Can you keep your home country health insurance in Germany? What usually counts for visas, EU/EEA, US and UK cover, and when German insurance is required.
Health Insurance in Germany for Expats (2027 Guide): Everything You Need to Know Before Moving
A practical 2027 guide to health insurance in Germany for expats: GKV vs. PKV, Blue Card rules, costs, documents and what to arrange before you move.
Private Health Insurance in Germany 2027: What Expats Need to Know About the New Income Threshold
2026 threshold €77,400; 2027 near €85,000. Employees in that range are most affected. Grandfather protection and Sept 2026 apply. Plan ahead — get advice.
Künstlersozialkasse in Germany: The KSK Guide for Artists, Creators & Expats
Can international artists join Germany's KSK? 2026 eligibility, the €3,900 income floor, costs, exemption routes and private health insurance options.
Healthcare in Germany: A Complete Guide for Expats
How healthcare in Germany works: is it free, what public and private insurance cost, GKV funds like TK and AOK vs. private insurers, and how to see a doctor.
German Health Insurance for US Citizens
US citizens moving to Germany: how German health insurance compares to US healthcare, what your visa needs, FATCA reporting and choosing between GKV and PHI.
Leaving Germany — What Happens to Your PHI
Moving out of Germany? Learn your options for German private health insurance: cancellation, entitlement (Anwartschaft) and keeping ageing reserves.
Switching from Public to Private Health Insurance in Germany
How to switch from GKV to private health insurance in Germany: eligibility, notice periods, the age-55 trap and how to preserve family co-insurance.
English-Speaking Doctors in Germany
How to find English-speaking GPs, specialists and hospitals in Berlin, Munich, Hamburg and Frankfurt — and how private health insurance changes access.
JAEG 2026 — Germany's PHI Income Threshold Explained
The Jahresarbeitsentgeltgrenze (JAEG) determines who can opt into private health insurance in Germany. Here are the 2026 numbers and what they mean.
Health Insurance for International Students in Germany
How international students get health insurance in Germany: age 30 rule, GKV student rates, PHI options and how doctoral candidates and researchers fit in.
Health Insurance for Digital Nomads in Germany
Freelancing across borders while based in Germany? Here's how digital nomads structure German PHI to stay visa-compliant and covered worldwide.
The 90-Day Relocation Checklist for Germany
A week-by-week checklist for expats moving to Germany: visa, health insurance, bank account, Anmeldung, tax ID and everything else in the right order.
PHI in Germany with Pre-Existing Conditions
Can you get German private health insurance with pre-existing conditions? Learn how underwriting works, common risk surcharges and how to prepare your application.
Private Health Insurance in Retirement in Germany
Worried PHI will become unaffordable in retirement? Learn how ageing reserves, statutory pension subsidies and premium relief tariffs cap your premium in old age.
Dental Insurance in Germany for Expats
German public health insurance covers only basic dental treatment. Learn how PHI and dental supplements cover implants, orthodontics and premium dentistry.
Maternity and Pregnancy Cover in German Health Insurance
Pregnancy, maternity leave and newborn cover in Germany's public and private health insurance systems — waiting periods, benefits and how to insure the baby.
Krankentagegeld: German Sick Pay Insurance Explained
How Krankentagegeld (daily sick pay insurance) protects your income in Germany — required daily rates, waiting periods and the freelancer trap.
The § 204 VVG PHI Tariff Switch Explained
German private health insurance premiums going up? Under § 204 VVG you can switch to a cheaper tariff with the same insurer and keep your ageing reserves. Here's how.
Cost of Living in Germany for Expats — What to Budget in 2026
Rent, taxes, health insurance and everyday costs for expats in Berlin, Munich and Hamburg in 2026. A realistic monthly budget breakdown from an English-speaking advisor.
Health Insurance for the German Family Reunification Visa
Bringing a spouse or children to Germany? Learn how to arrange health insurance that meets Familiennachzug requirements — public, private and combined options.
Health Insurance for the German Freelancer Visa (§ 21 AufenthG)
The freelancer visa (Freiberufler) requires proof of adequate health insurance. Learn what German consulates accept and which PHI tariffs are visa-compliant.
Health Insurance for the German EU Blue Card
German Blue Card holders can choose between GKV and PKV. Learn the health insurance requirements, income thresholds and which option makes more sense financially.
Public (GKV) vs. Private (PKV) Health Insurance in Germany
GKV or PKV? Compare Germany's public and private health insurance side by side: cost, benefits, eligibility, family cover and long-term implications for expats.
Moving to Germany: The 2026 Health Insurance Guide for Expats
Everything expats moving to Germany need to know about health insurance in 2026: public vs. private, visa rules, timing, costs and the fastest way to get covered.