Top 5 German Private Health Insurance Companies Compared

Germany offers one of the most efficient and trusted healthcare systems in the world. While most residents are covered under public health insurance (Gesetzliche Krankenversicherung – GKV), many professionals, especially freelancers, self-employed individuals, high-income earners, and civil servants, prefer private health insurance (Private Krankenversicherung – PKV) for better services and tailored plans.

In 2025, the German private health insurance market is highly competitive. Here’s a detailed comparison of the top 5 private health insurance providers in Germany, focusing on pricing, benefits, and who they are best suited for.

1. Debeka Krankenversicherung

Debeka is one of the oldest and most respected private insurers in Germany. It is particularly popular among civil servants (Beamte) and families due to its favorable premium structures and long-term stability. Monthly premiums generally range between €280 and €420 depending on your age and health status. Debeka is known for its reliable customer service, but it might be less flexible for freelancers or self-employed individuals.

2. Allianz Private Krankenversicherung

Allianz is a globally recognized brand with strong financial backing and excellent customer service. Its private health plans are ideal for expats, digital nomads, and high-income professionals. Premiums usually start around €300 and can go up to €500, depending on your profile and selected coverage. Allianz stands out for its wide international coverage and advanced digital tools, making it a great choice for people who travel frequently or need access to global healthcare.

3. AXA Krankenversicherung

AXA offers highly customizable health insurance packages and is very popular with freelancers and self-employed individuals. The monthly premium typically falls in the €290 to €470 range. AXA provides fast claim processing and broad access to doctors and hospitals across Germany. However, navigating its wide array of tariffs can be complex, so it’s important to consult with an insurance advisor before choosing a plan.

4. HanseMerkur Krankenversicherung

HanseMerkur is an excellent option for younger people, students, and those looking for budget-friendly private insurance. Monthly premiums range between €270 and €450. Despite its lower cost, HanseMerkur offers solid coverage options, especially in basic medical services. It also has special packages for international students in Germany. However, you may need to upgrade to get more comprehensive dental or vision care.

5. Signal Iduna Krankenversicherung

Signal Iduna has gained popularity for its tech-friendly services and strong dental and vision care options. It is ideal for users who prefer managing their insurance digitally via mobile apps. Premiums usually range between €260 and €430 per month. While it offers excellent value, customer service quality may vary by region. Still, for people looking for convenience and specific add-ons, Signal Iduna is a worthy option.

Who Can Apply for Private Health Insurance in Germany?

Not everyone is eligible for PKV. You can switch from public to private health insurance if:

• You are an employee earning above the annual income threshold (around €69,300 in 2025).

• You are self-employed or a freelancer.

• You are a student under 30 who prefers private coverage.

• You are a civil servant (Beamte), who gets subsidies from the state.

Final Advice Before Choosing

Before making your decision:

• Always compare multiple quotes based on your age, health status, and profession.

• Consider the long-term premium development — private plans can become more expensive as you age.

• Choose a provider with transparent communication and solid customer service.

• Use platforms like Check24, KV-Fux, or consult with a licensed insurance broker to find the best plan for you.