Private Health Insurance Frankfurt

High earners in Frankfurt's financial sector are frequently well-suited to PKV, particularly if they are single, young, and healthy. The employer contribution cap in PKV means high earners benefit disproportionately compared to GKV, where contributions rise proportionally with income. That said, the decision depends on your family situation, health history, and long-term plans. We model the full picture before recommending.

Your UK NHS coverage does not transfer to Germany. All residents must enrol in either GKV or PKV. If you arrived as an employee, you likely entered GKV automatically unless your salary was above the threshold. If you arrived as a freelancer, you would have needed to arrange PKV or GKV independently. We can review your current situation and advise on whether a change is appropriate.

Yes. XpatGermany advises expats on PKV and GKV entirely in English via video call. Frankfurt's international community includes many English-speaking professionals, and we regularly work with finance, consulting, and tech sector expats in the region.

Some international employers offer supplementary or group health insurance benefits, but German law still requires you to be enrolled in either GKV or PKV independently. Your employer's group policy, if any, typically supplements rather than replaces your German health insurance obligation. We review what your employer provides and how it interacts with your German coverage.

When you leave Germany permanently, your PKV can typically be cancelled or suspended. Some providers offer an international continuation option. You should also assess whether your new country requires local coverage and how German exit reporting affects your GKV or PKV status. We advise on departure planning as part of the overall financial picture.

For employees, no. When you start employment in Germany, you are automatically enrolled in statutory health insurance (GKV), regardless of your previous insurance history. You become eligible to switch to private health insurance once your income has consistently exceeded 77.400 € gross for a full calendar year. Freelancers are the exception: self-employed workers arriving in Frankfurt can opt for PKV from day one of their self-employment, with no minimum income or waiting period.

It is often the deciding factor. Under GKV, a non-working spouse and all dependent children are insured at no additional cost. Under PKV, each family member requires a separate policy with its own monthly premium. For a couple with two children, this can add 600 to 1,200 euros per month to your total insurance cost. Even when one parent earns well above the eligibility threshold, the family cost often makes GKV the better financial choice overall.

In most cases, no. Frankfurt's financial sector has a high expat turnover rate, and many professionals arrive for two to five years before moving to another city or returning home. Private health insurance is most valuable when you have a long German time horizon. Switching involves a health assessment, administrative effort, and an exit process when you leave. For a stay of three to four years, those transition costs generally outweigh the potential premium savings.

Yes. Most PKV plans include enhanced dental coverage as standard or as an optional add-on. Private dental coverage typically reimburses at much higher rates than GKV for fillings, crowns, and orthodontic treatment. The level of dental coverage varies between plans. We compare plans based on the coverage that matters for your specific situation, not just the monthly premium.

Premiums vary by age, health, provider, and coverage level. A healthy person in their early 30s in Frankfurt can typically find plans in the range of 300 to 600 euros per month for comprehensive coverage. That figure rises with age. GKV costs around 7.3% of gross salary for employees, with the employer paying another 7.3%. On a Frankfurt finance salary of 100.000 € gross, your employee GKV contribution reaches the contribution ceiling at around 562 euros per month. We model both cost trajectories over your expected time in Germany.

Once your eligibility is confirmed and a provider is selected, the switch typically takes four to eight weeks. The longer part is usually the eligibility confirmation itself. Employed expats must have exceeded the Versicherungspflichtgrenze for a full calendar year before they can opt out of GKV. We confirm your eligibility first, then handle the comparison, application, and GKV exit process on your behalf.