Health insurance in Germany
All residents of Germany are required by law to have health insurance. About 87% of the population – around 70 million people – have statutory health insurance. You can find answers to some of the most common questions about health insurance costs, benefits and guiding principles here.
Everyone who has statutory health insurance in Germany is entitled to the same health care if they get ill – regardless of how much they pay for their insurance each month (the premium). The premium is determined solely by income level. Statutory health insurance (gesetzliche Krankenversicherung, GKV) is based on the principle of solidarity, so people who earn more money pay more than those who earn less, and healthy and ill people pay the same amount. This way, if people get ill, the costs of their medical care and loss of earnings are shared by everyone with that insurance.
The health insurance premium is the same across all statutory insurers: 14.6% of your gross income, but only up to a certain income level (Beitragsbemessungsgrenze). Anyone earning more than this amount pays the same maximum premium. The employer and insured employee share the costs equally, paying 7.3% each. Insurers may charge extra fees if the insurance premiums and other funding sources are not enough to cover their costs.