Deep Dives

Health Insurance Topics

Go beyond the basics. These in-depth guides cover the specific insurance questions that expats in Germany ask most.

Nursing Care Insurance

Everything about Pflegeversicherung — the mandatory nursing care insurance, care levels, costs, and why supplementary cover matters.

What GKV and PKV cover for dental, the Bonusheft system, standalone dental insurance, and how to avoid surprise bills.

How therapy is covered in Germany, dealing with GKV waitlists, finding English-speaking therapists, and your rights.

Family co-insurance in GKV, children in PKV, mixed systems, maternity cover, and planning for growing families.

Short-term health insurance for new arrivals — who needs it, providers, costs, and how to transition to long-term cover.

How health insurance premiums reduce your German taxes, deductions for employees and freelancers, and claiming your refund.

When and how to switch between GKV providers, from GKV to PKV, or within PKV — including timelines and rules.

What happens to your health insurance when you relocate — cancellation, Anwartschaft, EU portability, and international options.

Why daily sickness allowance is essential in private health insurance — how it works, what it costs, and how to avoid a dangerous income gap.

Our advisors help expats with all types of insurance questions every day. Get personalized guidance at no cost.