Compare Health Insurance in Germany
Compare health insurance plans across top insurers. Explore features, waiting periods, coverage limits, and more.
Educational Information Only
Data collected from publicly available sources for educational purposes only. Premium figures are illustrative. Verify all details with the insurer directly.
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Side-by-Side Comparison
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| Feature | Techniker KrankenkasseTK Gesetzliche KrankenversicherungNeeds review · 2026-04-03 | AllianzAllianz Private HealthNeeds review · 2026-04-03 | DebekaDebeka KrankenversicherungNeeds review · 2026-04-03 |
|---|---|---|---|
| Cover range | N/A – N/A | N/A – N/A | N/A – N/A |
| Premium* | €200 – €400/yr | €300 – €600/yr | €280 – €550/yr |
| Entry age | 18 – 65 yrs | 18 – 65 yrs | 18 – 65 yrs |
| Claim ratio | — | — | — |
| Renewability | Annual | Annual | Annual |
| Initial wait | — | — | — |
| PED wait | — | — | — |
| Network hospitals | — | — | — |
| Riders | |||
*Premiums are illustrative only, sourced from publicly available data. Actual premiums vary by individual. World Best Insurer does not sell insurance. Verify with the insurer directly.
All Health Insurance Plans in Germany
Cover
N/A – N/A
Premium*
€200/yr
- Germany's Largest Health Fund
- Digital Services
- TK-App
Cover
N/A – N/A
Premium*
€300/yr
- Comprehensive Private Cover
- Specialist Access
- Single Room
Cover
N/A – N/A
Premium*
€280/yr
- Largest Private Health Insurer
- Civil Servant Plans
- Comprehensive
Cover
N/A – N/A
Premium*
€350/yr
- 2nd largest GKV insurer in Germany
- ~9M members
- Digital health app
Cover
N/A – N/A
Premium*
€320/yr
- Consistently lowest additional premium rate in Germany
- ~700K members
- Digital-first service
Cover
N/A – N/A
Premium*
€300/yr
- PKV – private insurance for self-employed/high earners
- Single room hospitalization
- Direct specialist access
Cover
N/A – N/A
Premium*
€340/yr
- ~5.5M members
- 3rd largest GKV
- Strong digital health app
Cover
N/A – N/A
Premium*
€280/yr
- Hamburg-based mutual
- Competitive PKV pricing
- Strong dental coverage