The 3 mandatory Private Insurances in Germany

Like in every country there are insurances you need in Germany and some are also mandatory. If you do not comply with these laws and regulations, you might get penalties or legal issues, which can affect your life to an existence threatening stage. Especially the Health insurance needs to fulfil particular requirements, depending on your Visa status and period of stay in Germany. Our expertise will help you to go smoothly through Visa applications and Visa extensions.

Our customers have access to the complete range of private insurances for all individual needs including specialty private risks as a licensed insurance broker in Germany including international insurance programs and group contracts.

In Germany these three insurances are mandatory to have:

  • Health insurance (public or private)
  • Motor Vehicle Liability insurance (Car insurance, Motorbike insurance etc.)
  • Fire insurance for building/house owners

Should you get a private- or public Health insurance in Germany?

The answer relies on following factors:

  • Are you Single, married, with or without kids?
  • Your Type of Visa (work & Travel, Student, Employment, Business and more)
  • Your Age
  • Your Health condition
  • Your Income
  • How long you want to stay in Germany?
  • And most important, what you expect from a Health insurance cover.

If you are Single, Expat, healthy and have a decent income (minimum 69,300 € annually) you should go for private insurance in Germany, even if you are hardly getting sick. The Cash-payback system of the private insurance system in Germany is one reason of it.

As a healthy Couple, with a decent income and even with one child private insurance would be also a good choice while you are in Germany. From the second child on, we need to go with you through the individual pro- and cons.

Public health insurance in Germany is senseful if you´re income is under 69,300 € annually and have a family with more than two kids, especially if only one has income, since the family insurance is free for your dependants, if they do not earn more than 505 € monthly or 538 € via a Mini job.

We offer both ways and guide you to your personal most suitable solution. Our service as a Claim Pro insurance broker will be even more valuable if there is a dispute between you and your public- or private health insurer. Get a quote and check out all possibilities on our special health insurance website.

Additional we recommend having the following insurances if you live in Germany:

Why we recommend private liability and lawyer insurances?

The private liability in Germany is set in the law under § 823 of the German civil code (BGB), which states that everyone is liable to the damage he does to any third party, without the limit of his own financial limits. That means, that if you damage something which you cannot afford, you still must reimburse and pay it up until the demand is satisfied.

Small cases may be not an issue, but in comparison of the insurance fee per year, we recommend to have one which covers, while you are in Germany, which includes also the coverage of damages of the rented apartment or house. Critical are glass and electronic items rented along from the Landlord which are not covered under the private liability of the insurer. Therefor this in case these risks need to be covered by the tenant, additional coverage or a private liability insurer with terms & conditions which cover these risks is to be taken.

The Lawyer insurance covers the legal cost for the selected risks, which are in private matters in Germany the private cases including disputes with authorities, property rental contract related legal cases, traffic related legal cases and employment related legal cases. The penal & law insurance covers the costs of the own lawyer, assessments, court costs and other to the legal cases related costs. If a legal case happens the penal & law insurance is very economical.

The insurance also offers services like the telephone and online consultation from a lawyer 24/7. This is useful if you just want to know how you should deal in a particular situation, or just want to know if this what another party is doing legally correct.

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