How Much Does Insurance Cost in Germany? (2026)

By Jules de Bruin, Market ResearcherUpdated August 20 2026 | Found helpful by 3 others

The verdict

Of 164 tariffs in this catalogue, 102 publish a premium and 62 do not. Health cover sits in the second group: GKV is a percentage of gross income rather than a price, and works out at EUR 386.57 a month at Techniker Krankenkasse on EUR 3,500 gross. PKV is rated on age and health. The voluntary lines, by contrast, are cheap: personal liability from EUR 17.88 a year, contents from EUR 27.64, dental from EUR 112.56. Every figure holds only for its reference profile.

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Every policy with a published premium

The table holds the 102 tariffs with a verified premium. Pick your line on the left, then rank by premium, rating or waiting period. Rows that do not match are greyed out rather than removed.

The short answer

The short answer: the cheapest policy here is State-paid GKV for benefit recipients (ALG I / Bürgergeld) at EUR 0/month.

Rank by

chosen fund

5 policies

Price band

EUR 0 to EUR 278.17

Policy	Per month	Per year	Type
State-paid GKV for benefit recipients (ALG I / Bürgergeld)Best here Other	EUR 0per month	EUR 0	Voluntary statutory	Get quote
Familienversicherung (free family co-insurance) Other	EUR 0per month	EUR 0	Statutory	Get quote
Studentische Krankenversicherung (KVdS) at any statutory fund Other	EUR 146.29per month	EUR 1,755.48	Voluntary statutory	Get quote
Freiwillige GKV for freelancers/self-employed (freiwillige Versicherung) Other	EUR 278.17per month	EUR 3,338.04	Voluntary statutory	Get quote
Freiwillige GKV for non-employed / jobseekers without benefits Other	EUR 278.17per month	EUR 3,338.04	Voluntary statutory	Get quote

DR-WALTER-arranged incoming + TK/BARMER statutory

1 policy

Price band

EUR 0 to EUR 0

Policy	Per month	Per year	Waiting	Type
Expatrio Value Package (DR-WALTER incoming + TK/BARMER GKV bundle)Best here Other	EUR 0per month	EUR 0	0 months	International	Get quote

AXA Versicherung AG

2 policies

Price band

EUR 1.49 to EUR 5.83

Policy	Per month	Per year	Waiting	Type
Private Haftpflichtversicherung SBest here Personal liability	EUR 1.49per month	EUR 17.88	0 months	Other	Get quote
Hausratversicherung S/M/L Contents	EUR 5.83per month	EUR 70	0 months	Other	Get quote

Allianz Direct Versicherungs-AG

1 policy

Price band

EUR 1.80 to EUR 1.80

Policy	Per month	Per year	Waiting	Type
PrivathaftpflichtBest here Personal liability	EUR 1.80per month	EUR 21.60	0 months	Other	Get quote

Württembergische Versicherung AG

1 policy

Price band

EUR 1.99 to EUR 1.99

Policy	Per month	Per year	Waiting	Type
Privathaftpflicht L/XL/XXLBest here Personal liability	EUR 1.99per month	EUR 23.92	0 months	Other	Get quote

HUK24 AG

3 policies

Price band

EUR 2.30 to EUR 20.83

Policy	Per month	Per year	Type
Hausratversicherung ClassicBest here Contents	EUR 2.30per month	EUR 27.64	Other	Get quote
Privathaftpflicht Classic Personal liability	EUR 2.83per month	EUR 34	Other	Get quote
Kfz Classic (Haftpflicht/Teilkasko/Vollkasko) Car	EUR 20.83per month	EUR 250	Other	Get quote

Debeka Allgemeine Versicherung AG

1 policy

Price band

EUR 2.90 to EUR 2.90

Policy	Per month	Per year	Waiting	Type
Privathaftpflicht BasisSchutz/PremiumSchutzBest here Personal liability	EUR 2.90per month	EUR 34.80	0 months	Other	Get quote

Getsafe Insurance AG (own BaFin licence since 2021; licence return announced 2025, migrating to MGA/Assekuradeur model, see provider addendum)

1 policy

Price band

EUR 2.99 to EUR 2.99

Policy	Per month	Per year	Waiting	Type
Liability insuranceBest here Personal liability	EUR 2.99per month	EUR 35.88	0 months	Other	Get quote

Haftpflichtkasse VVaG

1 policy

Price band

EUR 3.07 to EUR 3.07

Policy	Per month	Per year	Waiting	Type
Einfach Komplett HundehaftpflichtBest here Dog liability	EUR 3.07per month	EUR 36.89	0 months	Other	Get quote

Wakam (verify per policy)

2 policies

Price band

EUR 3.25 to EUR 17.07

Policy	Per month	Per year	Waiting	Type
HundehaftpflichtBest here Dog liability	EUR 3.25per month	EUR 39	0 months	Other	Get quote
Katzenkrankenversicherung Midi Pet health, cat	EUR 17.07per month	EUR 204.84	1 months	Other	Get quote

Allianz Versicherungs-AG

2 policies

Price band

EUR 3.46 to EUR 5.50

Policy	Per month	Per year	Waiting	Type
Privat-Haftpflichtversicherung BasisBest here Personal liability	EUR 3.46per month	EUR 41.52	0 months	Other	Get quote
Hausratversicherung Smart/Komfort/Premium Contents	EUR 5.50per month	EUR 66	0 months	Other	Get quote

Getsafe (partner risk carrier)

1 policy

Price band

EUR 3.99 to EUR 3.99

Policy	Per month	Per year	Waiting	Type
Dog liability insuranceBest here Dog liability	EUR 3.99per month	EUR 47.88	0 months	Other	Get quote

AGILA Haustierversicherung AG

2 policies

Price band

EUR 4.08 to EUR 19.44

Policy	Per month	Per year	Waiting	Type
HundehaftpflichtBest here Dog liability	EUR 4.08per month	EUR 48.96	0 months	Other	Get quote
Hundekranken-/OP-Versicherung Pet health, dog	EUR 19.44per month	EUR 233.28	1 months	Other	Get quote

Zurich Insurance Europe AG

1 policy

Price band

EUR 4.11 to EUR 4.11

Policy	Per month	Per year	Waiting	Type
PrivatSchutz Haftpflicht Basis/TopBest here Personal liability	EUR 4.11per month	EUR 49.32	0 months	Other	Get quote

Signal Iduna / partner insurers via brokerage (verify per policy)

1 policy

Price band

EUR 4.92 to EUR 4.92

Policy	Per month	Per year	Waiting	Type
Personal liability insuranceBest here Personal liability	EUR 4.92per month	EUR 59	0 months	Other	Get quote

HUK-COBURG Allgemeine Versicherung AG

2 policies

Price band

EUR 5.17 to EUR 48.83

Policy	Per month	Per year	Waiting	Type
Privathaftpflicht PH ClassicBest here Personal liability	EUR 5.17per month	EUR 62	0 months	Other	Get quote
Wohngebäudeversicherung Buildings, owner	EUR 48.83per month	EUR 586	0 months	Other	Get quote

ERGO Versicherung AG

3 policies

Price band

EUR 5.17 to EUR 60.75

Policy	Per month	Per year	Type
Hausrat Smart/KomfortBest here Contents	EUR 5.17per month	EUR 62	Other	Get quote
Privat-Haftpflicht Smart/Best Personal liability	EUR 6.34per month	EUR 76.06	Other	Get quote
Wohngebäude Smart/Komfort Buildings, owner	EUR 60.75per month	EUR 729	Other	Get quote

HanseMerkur (verify per policy)

2 policies

Price band

EUR 5.50 to EUR 22.90

Policy	Per month	Per year	Waiting	Type
HundehaftpflichtBest here Dog liability	EUR 5.50per month	EUR 66	0 months	Other	Get quote
Katzenkrankenversicherung Pet health, cat	EUR 22.90per month	EUR 274.80	1 months	Other	Get quote

Uelzener Versicherungs-Gesellschaft a.G.

1 policy

Price band

EUR 8.21 to EUR 8.21

Policy	Per month	Per year	Waiting	Type
Hundehaftpflicht Basis/Premium/PremiumPlusBest here Dog liability	EUR 8.21per month	EUR 98.56	0 months	Other	Get quote

Gothaer Allgemeine Versicherung AG

3 policies

Price band

EUR 8.75 to EUR 120

Policy	Per month	Per year	Type
Privathaftpflicht PremiumBest here Personal liability	EUR 8.75per month	EUR 105	Other	Get quote
Gothaer Privat Auto Car	EUR 47.12per month	EUR 565.38	Other	Get quote
Wohngebäude BasisGarant/KlassikGarant Buildings, owner	EUR 120per month	EUR 1,440	Other	Get quote

CosmosDirekt Lebensversicherungs-AG

1 policy

Price band

EUR 8.82 to EUR 8.82

Policy	Per month	Per year	Waiting	Type
Risikolebensversicherung CR BasisBest here Term life	EUR 8.82per month	EUR 105.84	0 months	Other	Get quote

Getsafe (risk carrier partner)

1 policy

Price band

EUR 9.38 to EUR 9.38

Policy	Per month	Per year	Waiting	Type
Dental insuranceBest here Dental add-on	EUR 9.38per month	EUR 112.56	0 months	Other	Get quote

Allianz Partners

2 policies

Price band

EUR 9.92 to EUR 180

Policy	Per month	Per year	Waiting	Type
Allianz Travel Schengen (and Feather Travel for EU-side trips)Best here Other	EUR 9.92per month	EUR 119.04	0 months	Travel	Get quote
Allianz Care (international health insurance, expat plans) Other	EUR 180per month	EUR 2,160	n/a	International	Get quote

Deutsche Lebensversicherungs-AG

1 policy

Price band

EUR 10.29 to EUR 10.29

Policy	Per month	Per year	Waiting	Type
Risikoleben (DLVAG) BasisBest here Term life	EUR 10.29per month	EUR 123.48	0 months	Other	Get quote

Hannoversche Lebensversicherung AG

1 policy

Price band

EUR 10.53 to EUR 10.53

Policy	Per month	Per year	Waiting	Type
Risikoleben T1-BasisBest here Term life	EUR 10.53per month	EUR 126.36	0 months	Other	Get quote

Württembergische Rechtsschutz Schaden-Service GmbH (W&W group)

1 policy

Price band

EUR 10.76 to EUR 10.76

Policy	Per month	Per year	Waiting	Type
Rechtsschutz XL/XXLBest here Legal expenses	EUR 10.76per month	EUR 129.12	3 months	Other	Get quote

Generali Deutschland AG

1 policy

Price band

EUR 11.44 to EUR 11.44

Policy	Per month	Per year	Waiting	Type
WohngebäudeversicherungBest here Buildings, owner	EUR 11.44per month	EUR 137.28	0 months	Other	Get quote

Partner risk carrier (verify per policy)

1 policy

Price band

EUR 11.62 to EUR 11.62

Policy	Per month	Per year	Waiting	Type
Pet insurance (dog)Best here Pet health, dog	EUR 11.62per month	EUR 139.44	1 months	Other	Get quote

per insurer

3 policies

Price band

EUR 15 to EUR 25

Policy	Per month	Per year	Waiting	Type
Ambulante Zusatzversicherung (outpatient add-on: glasses, alternative practitioners, travel vaccines), market overviewBest here Other	EUR 15per month	EUR 180	n/a	Private supplementary	Get quote
Stationäre Zusatzversicherung (hospital class upgrade: 1-/2-bed room + Chefarzt), market overview Other	EUR 22per month	EUR 264	n/a	Private supplementary	Get quote
Zahnzusatzversicherung (dental add-on), market overview Other	EUR 25per month	EUR 300	n/a	Private supplementary	Get quote

Münchener Verein Krankenversicherung a.G.

1 policy

Price band

EUR 15.90 to EUR 15.90

Policy	Per month	Per year	Waiting	Type
ZahnGesund 75+ / 85+ / 100Best here Dental add-on	EUR 15.90per month	EUR 190.80	0 months	Other	Get quote

Barmenia-backed tariffs via brokerage

1 policy

Price band

EUR 16 to EUR 16

Policy	Per month	Per year	Waiting	Type
Dental Basic / AdvancedBest here Dental add-on	EUR 16per month	EUR 192	0 months	Other	Get quote

HUK-COBURG Rechtsschutzversicherung AG

1 policy

Price band

EUR 16.81 to EUR 16.81

Policy	Per month	Per year	Waiting	Type
Privat-, Berufs- und VerkehrsrechtsschutzBest here Legal expenses	EUR 16.81per month	EUR 201.76	3 months	Other	Get quote

ottonova Krankenversicherung AG

2 policies

Price band

EUR 20.18 to EUR 264.54

Policy	Per month	Per year	Waiting	Type
Zahn 100 (Rundum-Sorglos)Best here Dental add-on	EUR 20.18per month	EUR 242.16	0 months	Other	Get quote
ottonova Krankenversicherung (full PKV, digital-first) Other	EUR 264.54per month	EUR 3,174.48	n/a	Private substitute	Get quote

ROLAND Rechtsschutz-Versicherungs-AG

1 policy

Price band

EUR 21.31 to EUR 21.31

Policy	Per month	Per year	Waiting	Type
Top-Rechtsschutz Basis/Komfort/PremiumBest here Legal expenses	EUR 21.31per month	EUR 255.72	3 months	Other	Get quote

Wakam (risk carrier; verify per policy)

1 policy

Price band

EUR 21.42 to EUR 21.42

Policy	Per month	Per year	Waiting	Type
Hundekrankenversicherung MidiBest here Pet health, dog	EUR 21.42per month	EUR 257.04	1 months	Other	Get quote

HanseMerkur Krankenversicherung AG

3 policies

Price band

EUR 21.81 to EUR 223

Policy	Per month	Per year	Waiting	Type
Zahn Komfort (EZK) / Zahn Exklusiv (EZ)Best here Dental add-on	EUR 21.81per month	EUR 261.72	3 months	Other	Get quote
HanseMerkur Young Travel (incoming for foreign students/guests in Germany) Other	EUR 36per month	EUR 432	n/a	International	Get quote
HanseMerkur private Krankenversicherung (impuls / professional tariffs) Other	EUR 223per month	EUR 2,676	n/a	Private substitute	Get quote

CosmosDirekt Lebensversicherungs-AG / Generali Deutschland AG (motor entity)

1 policy

Price band

EUR 23.79 to EUR 23.79

Policy	Per month	Per year	Waiting	Type
Autoversicherung (Basis/Komfort)Best here Car	EUR 23.79per month	EUR 285.46	0 months	Other	Get quote

SIGNAL IDUNA Krankenversicherung a.G.

1 policy

Price band

EUR 25.81 to EUR 25.81

Policy	Per month	Per year	Waiting	Type
ZahnEXKLUSIVBest here Dental add-on	EUR 25.81per month	EUR 309.72	0 months	Other	Get quote

tariff-dependent

3 policies

Price band

EUR 26 to EUR 34.50

Policy	Per month	Per year	Waiting	Type
Care Concept (Care Discover incoming / Care College students)Best here Other	EUR 26per month	EUR 312	n/a	International	Get quote
MAWISTA (incoming health insurance: Classic/Comfort/Premium) Other	EUR 28per month	EUR 336	n/a	International	Get quote
DR-WALTER educare24 / Provisit (incoming health cover) Other	EUR 34.50per month	EUR 414	n/a	International	Get quote

Barmenia Krankenversicherung AG

2 policies

Price band

EUR 26.20 to EUR 480

Policy	Per month	Per year	Waiting	Type
Mehr Zahn 100 (+ Mehr Zahnvorsorge Bonus D)Best here Dental add-on	EUR 26.20per month	EUR 314.40	0 months	Other	Get quote
Barmenia private Krankenversicherung (KV Voll / KV Voll Plus; einsA prima+) Other	EUR 480per month	EUR 5,760	n/a	Private substitute	Get quote

ARAG SE

1 policy

Price band

EUR 28.62 to EUR 28.62

Policy	Per month	Per year	Waiting	Type
Aktiv-Rechtsschutz KomfortBest here Legal expenses	EUR 28.62per month	EUR 343.47	3 months	Other	Get quote

Continentale Krankenversicherung a.G.

1 policy

Price band

EUR 30 to EUR 30

Policy	Per month	Per year	Waiting	Type
CEZE (Zahn Exklusiv)Best here Dental add-on	EUR 30per month	EUR 360	0 months	Other	Get quote

DEVK Rechtsschutz-Versicherungs-AG

1 policy

Price band

EUR 31.56 to EUR 31.56

Policy	Per month	Per year	Waiting	Type
Rechtsschutz Komfort/PremiumBest here Legal expenses	EUR 31.56per month	EUR 378.72	3 months	Other	Get quote

HanseMerkur (per petolo tariff documents; verify per policy)

1 policy

Price band

EUR 34.90 to EUR 34.90

Policy	Per month	Per year	Waiting	Type
HundekrankenversicherungBest here Pet health, dog	EUR 34.90per month	EUR 418.80	1 months	Other	Get quote

Baloise entity (verify per policy)

1 policy

Price band

EUR 38.38 to EUR 38.38

Policy	Per month	Per year	Waiting	Type
HundekrankenversicherungBest here Pet health, dog	EUR 38.38per month	EUR 460.56	1 months	Other	Get quote

LVM Landwirtschaftlicher Versicherungsverein Münster

1 policy

Price band

EUR 48.60 to EUR 48.60

Policy	Per month	Per year	Waiting	Type
Kfz-VersicherungBest here Car	EUR 48.60per month	EUR 583.18	0 months	Other	Get quote

respective

1 policy

Price band

EUR 69.26 to EUR 69.26

Policy	Per month	Per year	Waiting	Type
BU market reference record (Ergo, Allianz, LV1871, Hannoversche, Nürnberger, CosmosDirekt, Debeka, HUK, AXA, Signal Iduna, Getsafe)Best here Occupational disability	EUR 69.26per month	EUR 831.12	0 months	Other	Get quote

Advigon Versicherung AG

1 policy

Price band

EUR 72 to EUR 72

Policy	Per month	Per year	Waiting	Type
Feather Expat / Incoming Health InsuranceBest here Other	EUR 72per month	EUR 864	n/a	International	Get quote

Alte Leipziger Lebensversicherung a.G.

1 policy

Price band

EUR 76.28 to EUR 76.28

Policy	Per month	Per year	Waiting	Type
BerufsunfähigkeitsversicherungBest here Occupational disability	EUR 76.28per month	EUR 915.36	0 months	Other	Get quote

VHV Allgemeine Versicherung AG

1 policy

Price band

EUR 76.33 to EUR 76.33

Policy	Per month	Per year	Waiting	Type
Wohngebäude KlassikGarantBest here Buildings, owner	EUR 76.33per month	EUR 916	0 months	Other	Get quote

Cigna

1 policy

Price band

EUR 165 to EUR 165

Policy	Per month	Per year	Waiting	Type
Cigna Global (Silver/Gold/Platinum)Best here Other	EUR 165per month	EUR 1,980	n/a	International	Get quote

Signal Iduna Krankenversicherung a.G.

1 policy

Price band

EUR 166.57 to EUR 166.57

Policy	Per month	Per year	Waiting	Type
Signal Iduna Private Krankenversicherung (tariff START, KOMPAKT, PREMIUM lines)Best here Other	EUR 166.57per month	EUR 1,998.84	n/a	Private substitute	Get quote

APRIL

1 policy

Price band

EUR 183 to EUR 183

Policy	Per month	Per year	Waiting	Type
APRIL International (expat health plans)Best here Other	EUR 183per month	EUR 2,196	n/a	International	Get quote

Debeka Krankenversicherungsverein a.G.

1 policy

Price band

EUR 246.21 to EUR 246.21

Policy	Per month	Per year	Waiting	Type
Debeka Krankenversicherung (tariffs B/BC/WL + B-EASY; Beamte specialist)Best here Other	EUR 246.21per month	EUR 2,954.52	n/a	Private substitute	Get quote

each

1 policy

Price band

EUR 280 to EUR 280

Policy	Per month	Per year	Waiting	Type
Now Health International + Bupa Global (premium IPMI)Best here Other	EUR 280per month	EUR 3,360	n/a	International	Get quote

AXA Krankenversicherung AG

1 policy

Price band

EUR 309.50 to EUR 309.50

Policy	Per month	Per year	Waiting	Type
AXA Private Krankenversicherung (tariffs: EL Bonus U, VITAL-U, ActiveMe... note: AXA tariffs EL Bonus / Vital)Best here Other	EUR 309.50per month	EUR 3,714	n/a	Private substitute	Get quote

Allianz Private Krankenversicherungs-AG

1 policy

Price band

EUR 349.49 to EUR 349.49

Policy	Per month	Per year	Waiting	Type
Allianz Private Krankenversicherung (tariffs: MeinGesundheitsschutz Basis/Komfort/Premium; ActiveMe S/M/L)Best here Other	EUR 349.49per month	EUR 4,193.88	n/a	Private substitute	Get quote

BKK firmus

1 policy

Price band

EUR 377.65 to EUR 377.65

Policy	Per month	Per year	Waiting	Type
BKK firmusBest here Other	EUR 377.65per month	EUR 4,531.80	0 months	Statutory	Get quote

TUI BKK

1 policy

Price band

EUR 383.25 to EUR 383.25

Policy	Per month	Per year	Waiting	Type
TUI BKKBest here Other	EUR 383.25per month	EUR 4,599	0 months	Statutory	Get quote

hkk

1 policy

Price band

EUR 384.82 to EUR 384.82

Policy	Per month	Per year	Waiting	Type
hkk Krankenkasse (Handelskrankenkasse)Best here Other	EUR 384.82per month	EUR 4,617.84	0 months	Statutory	Get quote

Audi BKK

1 policy

Price band

EUR 385 to EUR 385

Policy	Per month	Per year	Waiting	Type
Audi BKKBest here Other	EUR 385per month	EUR 4,620	0 months	Statutory	Get quote

Techniker Krankenkasse (self-insuring statutory fund)

1 policy

Price band

EUR 386.57 to EUR 386.57

Policy	Per month	Per year	Waiting	Type
Techniker Krankenkasse (TK)Best here Other	EUR 386.57per month	EUR 4,638.84	0 months	Statutory	Get quote

AOK Bayern

1 policy

Price band

EUR 386.57 to EUR 386.57

Policy	Per month	Per year	Waiting	Type
AOK BayernBest here Other	EUR 386.57per month	EUR 4,638.84	0 months	Statutory	Get quote

HEK

1 policy

Price band

EUR 390.07 to EUR 390.07

Policy	Per month	Per year	Waiting	Type
HEK, Hanseatische KrankenkasseBest here Other	EUR 390.07per month	EUR 4,680.84	0 months	Statutory	Get quote

DAK-Gesundheit

1 policy

Price band

EUR 395.50 to EUR 395.50

Policy	Per month	Per year	Waiting	Type
DAK-GesundheitBest here Other	EUR 395.50per month	EUR 4,746	0 months	Statutory	Get quote

BARMER

1 policy

Price band

EUR 397.07 to EUR 397.07

Policy	Per month	Per year	Waiting	Type
BARMERBest here Other	EUR 397.07per month	EUR 4,764.84	0 months	Statutory	Get quote

IKK gesund plus

1 policy

Price band

EUR 398.82 to EUR 398.82

Policy	Per month	Per year	Waiting	Type
IKK gesund plusBest here Other	EUR 398.82per month	EUR 4,785.84	0 months	Statutory	Get quote

IKK classic

1 policy

Price band

EUR 399 to EUR 399

Policy	Per month	Per year	Waiting	Type
IKK classicBest here Other	EUR 399per month	EUR 4,788	0 months	Statutory	Get quote

AOK Nordost

1 policy

Price band

EUR 400.75 to EUR 400.75

Policy	Per month	Per year	Waiting	Type
AOK Nordost (Berlin, Brandenburg, Mecklenburg-Vorpommern)Best here Other	EUR 400.75per month	EUR 4,809	0 months	Statutory	Get quote

BIG direkt gesund

1 policy

Price band

EUR 404.07 to EUR 404.07

Policy	Per month	Per year	Waiting	Type
BIG direkt gesundBest here Other	EUR 404.07per month	EUR 4,848.84	0 months	Statutory	Get quote

KKH

1 policy

Price band

EUR 405.65 to EUR 405.65

Policy	Per month	Per year	Waiting	Type
KKH (Kaufmännische Krankenkasse)Best here Other	EUR 405.65per month	EUR 4,867.80	0 months	Statutory	Get quote

SBK

1 policy

Price band

EUR 406 to EUR 406

Policy	Per month	Per year	Waiting	Type
SBK (Siemens-Betriebskrankenkasse)Best here Other	EUR 406per month	EUR 4,872	0 months	Statutory	Get quote

energie-BKK

1 policy

Price band

EUR 409.15 to EUR 409.15

Policy	Per month	Per year	Waiting	Type
energie-BKKBest here Other	EUR 409.15per month	EUR 4,909.80	0 months	Statutory	Get quote

KNAPPSCHAFT

1 policy

Price band

EUR 414.75 to EUR 414.75

Policy	Per month	Per year	Waiting	Type
KNAPPSCHAFTBest here Other	EUR 414.75per month	EUR 4,977	0 months	Statutory	Get quote

Hallesche Krankenversicherung a.G.

2 policies

Price band

EUR 498 to EUR 760.93

Policy	Per month	Per year	Waiting	Type
Feather Private Health Insurance (Hallesche NK.select, brokered by Feather)Best here Other	EUR 498per month	EUR 5,976	n/a	Private substitute	Get quote
Hallesche Krankenversicherung (NK.select tariff family) Other	EUR 760.93per month	EUR 9,131.16	n/a	Private substitute	Get quote

ARAG Krankenversicherungs-AG

1 policy

Price band

EUR 621.50 to EUR 621.50

Policy	Per month	Per year	Waiting	Type
ARAG Krankenversicherung (MedBest tariff)Best here Other	EUR 621.50per month	EUR 7,458	n/a	Private substitute	Get quote

Premiums as of August 2026, verify on the insurer site. Each premium holds for the reference profile recorded in the catalogue, not for every applicant.

Why does health insurance carry no price tag?

Because the German system asks a different question. Health cover is mandatory and there is no tax-funded service covering residents by default. Instead there are two separate systems, and comparing their prices is close to meaningless because most people are not free to pick between them: statutory cover (GKV) and private substitute cover (PKV).

GKV: a percentage of income

The contribution is 14.6 percent of gross income plus the fund's own Zusatzbeitrag, split with the employer. At Techniker Krankenkasse the Zusatzbeitrag is 2.69 percent in 2026, and on EUR 3,500 a month gross that comes to EUR 386.57 a month for a childless employee, long-term care contribution included. Students pay the flat statutory rate of EUR 146.29, and freelancers on low income pay at least EUR 278.17 a month.

The benefit catalogue is identical across funds. Only the Zusatzbeitrag, the optional tariffs and the service differ, which makes switching funds a contribution decision rather than a cover decision.

PKV: age and health

In private substitute cover your salary does not set the premium. It is rated on your age at entry and your state of health at underwriting, which is why there can be no price list. The EUR 246.21 a month at Debeka is an example rather than a price: it holds for a 30-year-old Beamter with 50 percent Beihilfe, insuring only the other half.

Arrivals who are eligible for neither system yet bridge the gap with incoming cover. Unlike either system, those tariffs do publish a real monthly price, for example Care Concept from EUR 26 for students under 30.

What does the cheapest policy in each line cost?

Each figure below is the cheapest verified annual premium in its line, with the profile it was quoted on. In Germany a premium without its profile is not a number, it is an advertisement.

Line	Cheapest premium	Reference profile
Personal liability	EUR 17.88a year, AXA S	Single, aged 26, two claim-free years, paid annually, EUR 300 excess, EUR 5,000,000 of cover
Contents	EUR 27.64a year, HUK24	A 75 m2 flat in Würzburg, no excess, paid annually
Dog liability	EUR 36.89a year, Haftpflichtkasse	A dachshund with a 35-year-old owner, no excess
Term life	EUR 105.84a year, CosmosDirekt	Aged 30, non-smoker for over ten years, EUR 200,000 over a 30-year term
Dental add-on	EUR 112.56a year, Getsafe	Basic plan at around age 30, age-dependent
Legal expenses	EUR 129.12a year, Adam Riese	Employed, aged 30, Marburg, the Privat module only, EUR 300 excess
Buildings	EUR 137.28a year, CosmosDirekt	The advertised entry for a small property; the catalogue puts 150 m2 at EUR 350 to 700 a year
Pet health (dog)	EUR 139.44a year, Figo	One dog, reimbursement selectable at 50, 70 or 90 percent, caps of 3,000, 6,000 or unlimited
Car	EUR 250a year, HUK24	A 38-year-old driver, a Golf in Göttingen, Teilkasko, the cheapest tariff in the Finanztip test

Health cover is deliberately absent from this table: a percentage of income cannot sit next to an annual premium.

Which lines only price at quotation?

62 of the 164 records in the catalogue publish no premium. In nearly every case that is not missing research: the insurer does not have a price until it quotes.

Motor: the premium follows the vehicle, the address, who drives it and your no-claims class. Only four of sixteen motor records publish an actual figure.
PKV: underwriting decides, so there is no price list, only an individual offer.
GKV: a percentage of income, not a price. It becomes an amount only once a gross salary is named.
Travel medical cover for a visa: day rates set by trip length, age and cover tier.
Occupational disability: profession, age and health decide the premium, sometimes by a multiple.

So every card in this comparison carries either a premium with its profile or the reason there is none. Nowhere does it carry an estimate.

What moves a German premium?

For GKV, gross income alone, plus the chosen fund's Zusatzbeitrag and the childless surcharge in long-term care cover.
For PKV, your age at entry and your state of health at underwriting, not your salary.
The excess: in legal insurance the catalogue records EUR 150 or EUR 300, and that gap explains much of the spread in premiums.
The Schadenfreiheitsklasse in motor, the single biggest price lever in a German car tariff.
Floor area and address in contents and buildings: the HUK24 premium in the catalogue rises steeply from 75 to 200 square metres.
Payment frequency and contract term: several records state their cheapest premium explicitly for annual payment.

Frequently Asked Questions

How much does statutory health insurance cost in Germany?

It has no fixed price: it is a percentage, 14.6 percent plus the fund's own Zusatzbeitrag, split with your employer. On EUR 3,500 a month gross, a childless employee at Techniker Krankenkasse pays EUR 386.57 a month at a Zusatzbeitrag of 2.69 percent. Students pay the flat statutory rate of EUR 146.29.

Is private health insurance cheaper than statutory?

That is not a price question but an eligibility question: whether you may join GKV or PKV depends on income, employment status and profession. A PKV premium is then rated on your age at entry and your state of health, not on your salary. The EUR 246.21 a month at Debeka is for a 30-year-old Beamter with 50 percent Beihilfe, who is therefore buying only half the cover. For non-Beamte the same cover is rated individually.

Why do so many tariffs carry no premium?

Of the 164 records in the catalogue, 102 publish a premium and 62 do not. That is the market rather than a gap: motor is rated per vehicle, driver and postcode, PKV at underwriting, and travel by trip length. Instead of an estimate, each card states the basis the insurer prices on.

Which insurance is cheapest in Germany?

Personal liability. The cheapest verified premium in the catalogue is EUR 17.88 a year for EUR 5,000,000 of cover, though on a very narrow profile: single, aged 26, two claim-free years, paid annually, with a EUR 300 excess. Contents insurance follows from EUR 27.64 a year.

Do the premiums on this page apply to me?

Only if your profile matches the recorded one. Every premium in the catalogue belongs to a reference profile of age, address, floor area, vehicle or income. Without that profile the figure states nothing, which is why this page prints it alongside.

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