Private international health insurance in Germany
Whether you’re a student, expat or business transfer, protect yourself and your loved ones with private health insurance in Germany – and beyond.
Our policies are international, so you’ll be protected in Germany and over 200 countries and territories.
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Get a quote in under two minutes
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Customizable plan to meet your needs
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24/7 support and assistance available
Why choose Cigna for global health insurance in Germany?
Wide-ranging cover for medical expenses
We cover many costs at doctor’s clinics and hospitals in Germany. From accommodation charges and emergency treatment, to screening for cancer.
Direct billing with most care providers
We can settle the cost of treatment directly with the provider. This means you don't have to foot the bill upfront.
Customer care team available 24/7
Our customer care team is available 24 hours a day, every day of the week. You can also speak to a doctor remotely if needed.
Our health insurance plans
Our Global Health Options plans are available in Silver, Gold and Platinum. Access wide-ranging support across medical providers and hospitals worldwide – from hospital rooms and outpatient medicines to rehabilitation assistance. Key cover includes:
- Geestelijke gezondheidszorg
- Cancer treatment and preventative surgery
- Emergency outpatient treatments in hospitals
You could also receive maternity and dental care, depending on your health insurance plan.
In addition to our global plans, we also offer regional cover via our Close Care℠ plan.
| Silver | Gold | Platinum | |
|---|---|---|---|
Our Silver plan covers day-patient cover, including hospital stays and treatment. | Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family. | Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full. |
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| Geographic cover | Silver | Gold | Platinum |
Wereldwijd | Wereldwijd | Wereldwijd |
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| Totale jaarlijkse vergoeding | Silver | Gold | Platinum |
$ 1.000.000 | $ 2.000.000 | Ongelimiteerd |
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| Inpatient, day-patient and accommodation costs | Silver | Gold | Platinum |
Private room paid in full | Private room paid in full | Private room paid in full |
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| Kankerzorg | Silver | Gold | Platinum |
Volledig vergoed | Volledig vergoed | Volledig vergoed |
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| Mental and behavioral healthcare | Silver | Gold | Platinum |
Up to $5.000 | Up to $10.000 | Volledig vergoed |
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| Kraamzorg | Silver | Gold | Platinum |
Exclusief | Routine inpatient maternity cover – paid in full up to $7.000 | Routine inpatient maternity cover – paid in full up to $14.000 |
Our Silver plan covers day-patient cover, including hospital stays and treatment.
Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family.
Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full.
Wereldwijd
Wereldwijd
Wereldwijd
$ 1.000.000
$ 2.000.000
Ongelimiteerd
Private room paid in full
Private room paid in full
Private room paid in full
Volledig vergoed
Volledig vergoed
Volledig vergoed
Up to $5.000
Up to $10.000
Volledig vergoed
Exclusief
Routine inpatient maternity cover – paid in full up to $7.000
Routine inpatient maternity cover – paid in full up to $14.000
Our essential plan covers you in your country of residence and your home country. You can also add modules to extend this cover, including dental and wider outpatient care. |
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| Geographic cover | Close Care℠ | |
Country you’re living in and home country only |
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| Totale jaarlijkse vergoeding | Close Care℠ | |
$500.000 (with $250.000 condition limit) |
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| Inpatient, day-patient and accommodation costs | Close Care℠ | |
Semi-private room paid in full |
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| Kankerzorg | Close Care℠ | |
Volledig vergoed |
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| Mental and behavioral healthcare | Close Care℠ | |
Exclusief |
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| Kraamzorg | Close Care℠ | |
Exclusief |
Our essential plan covers you in your country of residence and your home country.
You can also add modules to extend this cover, including dental and wider outpatient care.
Country you’re living in and home country only
$500.000 (with $250.000 condition limit)
Semi-private room paid in full
Volledig vergoed
Exclusief
Exclusief
Hoe werkt een internationale ziektekostenverzekering?
1. Get a free quote and
buy your policy
Build a quote online or give us a call at +44 (0)1475 492119
Choose a plan, customise your deductibles & cost shares, find a cost that meets your needs, and choose how you want to pay. Choose from monthly, quarterly and annual payments.
2. Uw polis beheren
with our easy app
Manage your health and wellbeing on the go, wherever you may be.
The Cigna Wellbeing® App gives you access to Global Telehealth consultations from anywhere in the world. Use our online customer area to access your policy documents, at any time.
3. Get your treatment
and make a claim
Get in touch with our customer care team to make a claim.
We’ll connect you to a medical expert within 24 hours, via global network of over 2,2 million partnerships.
Direct billing available in most cases, as we liaise directly with your treatment provider.
Healthcare in Germany
Germany runs a statutory health insurance system, known as the ‘GKV’. By making regular contributions from their income, residents can access doctors’ surgeries, treatments at hospitals in Germany, emergency services, and more. They pay a set percentage of their monthly salary, with employers usually contributing too.
However, there can be limitations around dental treatments, alternative medicine and eyecare, while some services carry a fee. EU nationals can typically access some healthcare using a European Health Insurance Card (EHIC).
International private health insurance in Germany can help offer extra peace of mind, covering gaps in the public system and providing faster treatment access. Non-residents will also need private insurance to get any and every care they need.
Additional benefits as part of your international health insurance cover
Telehealth
consultations
We understand how to provide the support you need, when you need it. Get unlimited phone or video doctor consultations, plus counseling and coaching.
International cover,
wherever you are
Your international cover (Silver, Gold or Platinum) can help wherever you are.
Flexible plans,
made for you
Your health insurance quote is tailored to you and your family’s needs. Match it to your budget today.
Add more cover to your policy
Once you’ve chosen from our Silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.
Our international outpatient insurance provides access to a broad range of healthcare treatments that don’t require admission to a hospital. For example, you can get:
- Consultations with specialists, in-person or online
- Voorgeschreven medicijnen en verbandmateriaal
- Radiology and diagnostic tests
- Ambulante revalidatie
- Cover for hearing aids
This medical insurance add-on covers emergency healthcare and assistance. It could help if there’s a global crisis, or to evacuate you if local treatment can’t help. It can give you:
- Emergency transport to good hospitals.
- Repatriation if you experience a serious medical event
- Crisis response services following travel or security risks
- Help with compassionate travel and living costs
- Travel costs for people who accompany you
Boost your health with insurance for screening, tests and dietetic consultations. There’s also a mental health support program for expats as well.
Get eye tests and help with the cost of eyewear, plus a wide range of preventative, and routine dental treatments.
Who comes to us for health insurance in Germany?
International students
Germany had almost 3 million university students, as of 2022/23. Munich, Berlin and Bonn are just a few of the country’s higher education hotspots. If you’re planning to study in Germany, check out our insurance for international students.
It could cover you for any stays in hospitals in Germany, as well as other medical care. You can receive things like mental health support too.
Mobile workers
Germany has so many world-leading industries that expats can take their pick. It’s home to some of the planet’s biggest car brands, not to mention a booming financial sector.
With private health insurance, globally mobile workers can keep themselves and their families well protected across Germany and beyond.
Gepensioneerden
Considering a retirement in Germany? You may be moving closer to family or looking to sample a continental way of life.
Whatever your ambitions, our international seniors’ insurance for over-60s could help cover you. It includes cancer treatments, pandemic protection and mental health therapy.
More information about healthcare in Germany
Hospitals: You’ll find around 1.890 hospitals in Germany (Destatis)
Healthcare ranking: 4th (2022 World Index of Healthcare Innovation)
Useful drug names: Pharmacies in Germany often go by the name of apotheke. Drugs like paracetamol and aspirin don’t usually have different names.
Emergency services number (while in Germany): 112
Cigna claim number (while in Germany): +44 (0) 1475 788182
Call 112 for emergency medical assistance in Germany and an ambulance.
Germany’s hospitals will provide emergency treatment to anybody who needs it. But without insurance, you’ll likely have to pay yourself afterwards – which can be costly.
The Deutscher Wetterdienst is Germany’s official meteorological service. It provides weather warnings and climate information to help residents protect their health.
Germany tends to have mild winters, and summers that aren’t too hot. It receives plenty of rain throughout the year, carried in by winds from the Atlantic.
Frequently asked questions about health insurance in Germany
With public healthcare in Germany, the cost may depend on your salary, and you’ll pay monthly contributions through your wages.
Private healthcare costs, meanwhile, are based on your personal requirements. They can cover wider medical services, such as dental treatments, too.
Yes, it’s compulsory for German nationals and temporary residents to have some form of health insurance. Any expats planning to stay in Germany for a year or more should arrange for public healthcare, or get private insurance.
Depending on your personal circumstances, we may add special exclusions to plans containing pre-existing conditions.
These are conditions you’ve experienced, or sought advice for, prior to taking out insurance with us.
Many of our standard plans include emergency dental cover or dental accidents that can lead to a hospital visit. Regular dental cover, like annual check-ups, isn’t included as standard.
Add this cover to your policy as an optional extra when you sign up, or by contacting our customer care team.
Germany boasts a very strong healthcare infrastructure, and many staff are able to speak more than one language too – which may help if you are not from there originally. It’s also a leader when it comes to medical research. The costs of its hospitals alone stand at €132.7bn.