Gothaer Krankenversicherung
Premiums from
EUR 365/mo
Overview
Gothaer is one of Germany's oldest insurance companies with over 200 years of history. Their MediVita tariff line offers well-balanced coverage at competitive prices. As a mutual insurer, they prioritize member value over shareholder returns.
Key Facts
Founded
1820
Headquarters
Cologne
Customers
1.8 million
Type
Full comprehensive PKV
Pros & Cons
Pros
- One of Germany's oldest and most established insurers
- Strong MediVita tariff line with comprehensive coverage
- Good balance between premium cost and coverage quality
- Extensive network of service offices across Germany
- Solid financial strength and long-term reliability
Cons
- Premium increases have occasionally been above market average
- Digital tools are less advanced than newer competitors
- Customer service responsiveness varies by region
Coverage Highlights
Comprehensive outpatient care with no referral requirements
Hospital coverage with choice of room category
Dental coverage including high-value prosthetics
Prescription and non-prescription medication coverage
Preventive care and health screening programs
Travel health coverage for stays up to 3 months
Tariff Information
Gothaer's MediVita tariff comes in three variants: S (basic), M (standard), and L (premium). They also offer supplemental insurance modules for existing GKV members. Deductibles from 0 to 1,200 EUR.
Note for Expats
Gothaer has some experience with international clients through their corporate insurance division. English-language support is available but limited. Broker-assisted applications are recommended for expats.
Claims Process
Claims submission is available via the Gothaer app and online portal. Standard processing takes 5-10 business days. They offer annual health cost summaries useful for tax deduction purposes.
Best For
Expats seeking a well-established insurer with balanced coverage and a strong track record
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