International Relations Office

Private Health Insurance (Private Krankenversicherung, or PKV)

Unlike contributions to statutory public health insurance, contributions to private health insurance are not based on income level but on age, gender, profession, current health status, and the range of services you wish to receive. The more services, the higher the contributions are.

As a private patient, you will receive a bill for medical costs from your doctor. You pay the bill first and then submit the invoice to your health insurance provider, who will then reimburse you. Unlike statutory public health insurance, private health insurance does not include free family health insurance but will require contributions for each family member (spouse, children).