Premium medical care, shorter waiting times and full control over your healthcare — explained in plain English by an independent ARAG advisor who works with internationals living in Germany.
Private health insurance in Germany gives you faster access to treatment and a level of medical care that public insurance simply can't match — built around your personal situation.
Skip the long queues. Private patients are often seen by specialists in days, not weeks or months.
Choose single or double rooms and treatment by the senior consultant (Chefarzt) of your choice.
Broader coverage for medication, dental, alternative treatments and modern therapies your tariff defines.
Build coverage around your life — pick the benefits you want and the deductible that fits your budget.
Optional international coverage keeps you protected when you travel or relocate within the EU and beyond.
Depending on age, health and income, your monthly contribution can be more attractive than public insurance.
ARAG is the largest family-owned company in the German insurance industry, with over 107,000 people fully insured under its private health cover. Here's what makes ARAG stand out.
Tiered tariffs — KomfortKlasse, MedExtra and MedBest — for exactly the level of care you want.
See the specialists and clinics you trust — no referrals or gatekeeping required.
Submit invoices and track claims in minutes through the ARAG Health App.
Stay claim-free and you can receive premium refunds for those healthy years.
Attractive solutions for freelancers, founders and high-income employees.
Selected ARAG tariffs waive contributions during parental leave (Elternzeit).
Adjust your deductible at any time and switch between plans after five years.
Old-age provisions help keep your contributions stable as you grow older.
In Germany, not everyone can choose private health insurance — but if you fall into one of these groups, the door is open to you.
Switch regardless of income level.
Independent professionals qualify freely.
Founders and entrepreneurs are eligible.
Earning above the income threshold.
Employees can choose private health insurance once their gross annual income exceeds the JAEG threshold of €77,400 (2026). Not sure where you stand? Let's check together →
"My job is to make a complicated German system feel simple — so you can make a confident decision about your health and your money."
No jargon, no translation headaches — everything explained clearly.
From first questions to a signed policy, you're never on your own.
An honest look at whether private insurance is genuinely right for you.
Ongoing help with claims, changes and questions down the road.
Familiar with the situations expats and newcomers face every day.
Faster appointments and less bureaucracy from start to finish.
Top specialists, modern treatments and premium facilities.
One dedicated advisor who knows your situation.
Clear communication in your language, every step.
Independent recommendations with no hidden agenda.
A streamlined path from consultation to coverage.
The most common questions from internationals considering private health insurance in Germany.
Tell us a little about your situation and Jeffrey will get in touch to check whether private health insurance is right for you — in clear English, with no pressure.
Your request has been received. Jeffrey will contact you within one business day. Need to talk sooner? Call 0152 5981 6490.
One short, free conversation could change how you experience healthcare in Germany. Let's talk it through.
0152 5981 6490