Step 1: Eligibility Check

Determine whether you’re required to have German health insurance. Employees earning below a specific income threshold (€73,800 annually as of 2025) are generally obligated to be insured under public health insurance (Gesetzliche Krankenversicherung, GKV). If you earn more than this amount, you can opt for private health insurance (Private Krankenversicherung, PKV).

Step 2: Choose Your Krankenkasse

Research Krankenkassen (health insurance providers) and choose one that suits your needs. Common public providers include AOK, Techniker Krankenkasse (TK), DAK, and Barmer. If you’re eligible for private insurance, providers like Feather offer flexible options where your employer contributes to the premiums, and you pay privately for your health coverage. Make sure the private insurance complies with German law.

Step 3: Gather Documents

Collect all necessary documents such as your passport, residence registration (Anmeldung), employment contract, and bank details. These will be required for your application process.

Step 4: Application

Submit your application to your chosen Krankenkasse. This can be done online, by mail, or in person. Be sure to include all required documents, such as proof of employment and residence.

Step 5: Waiting Period

After submitting your application, there may be a waiting period before your insurance becomes active. If you had previous insurance, it will remain valid during this period.

Step 6: Contribution Payments

Your Krankenkasse will inform you about how and when to make contribution payments. Typically, contributions are shared between you and your employer. If you’re on private health insurance, you’ll be responsible for paying the premiums directly.

Step 7: Health Insurance Card

Once your insurance is active, you’ll receive a health insurance card by mail. This card is essential for doctor visits, prescriptions, and other healthcare services in Germany.

Step 8: Doctor’s Visit

With your health insurance card in hand, you’re ready to visit doctors. You should register with a primary care physician (Hausarzt) for general healthcare needs, as they are your main point of contact in the healthcare system.

Step 9: Additional Coverage

Consider adding supplementary insurance (Zusatzversicherung) to cover additional services not included in your standard health insurance, such as dental care, private hospital rooms, or alternative treatments.

Step 10: Update Changes

Notify your Krankenkasse about any changes in your personal circumstances, such as a change in address, employment status, or family situation. This helps ensure your coverage remains accurate.

Important Tips:

• Deadlines: Apply for health insurance within three months of arriving in Germany to avoid penalties.

• Leaving Germany: If you leave Germany, your health insurance coverage may end. Be sure to inform your Krankenkasse in advance.

• Dual Insurance: If you have private or international health insurance, consult with both providers to avoid having double coverage.

Remember, health insurance in Germany is not just a legal obligation; it is vital for your health and well-being. It ensures you are covered in the event of illness or injury.