Healthcare for Expats in Germany

As an expat, access to high-quality healthcare is essential. Germany continues to prioritize healthcare, consistently ranking among Europe’s and the world’s top spenders, which ensures a robust and well-funded system¹.

Hospitals

Germany has nearly 2,000 hospitals, about half of which are publicly operated; the rest are private, either for-profit or non-profit². The system is continually evolving, with a notable 62% increase in the number of doctors between 1990 and 2017³.

General Practitioners (GPs)

Your first point of contact for medical care is typically a General Practitioner (GP), who can refer you to specialists as needed. Emergency services are available by dialing 112, and treatment is provided regardless of insurance status, though uninsured individuals may face significant costs⁴.

Pharmacies

Pharmacies, marked by a large red “A” or green cross, are widespread. Major cities usually have at least one 24-hour pharmacy. While English-speaking staff are more common in larger cities, it’s not guaranteed everywhere⁵. Most prescriptions require a co-payment; private insurance holders often pay upfront and seek reimbursement⁶.

Health Insurance

Health insurance is mandatory for all residents. The three main options are:

• Public Health Insurance (GKV): Covers about 85% of residents, including nursing care and often non-working spouses and children. Employers partially finance this coverage⁷.
• Private Health Insurance (PKV): Available to higher earners and self-employed individuals, offering enhanced benefits such as access to specialists, private rooms, and comprehensive dental care⁸.
• Combination: Depending on employment status and salary, some may combine public and private coverage⁹.

Public insurance is managed by self-administered companies, promoting accountability. Private insurance is especially beneficial for expats with higher salaries, but it’s important to seek professional advice to ensure coverage for chronic conditions and long-term care¹⁰.

Comprehensive Coverage

Make sure your insurance covers your entire stay and all planned activities, including travel, sports, and specific medical needs. International health insurance is recommended before relocating¹¹.

Recommended Vaccinations

Germany has a low prevalence of infectious diseases, but it’s wise to be up-to-date on routine vaccinations (diphtheria, measles, mumps, rubella, polio, influenza, tetanus). Tick-borne encephalitis is a risk in southern regions for those hiking or camping¹². Consult your healthcare provider about necessary vaccinations before moving.

1. World Health Organization, “Global Health Expenditure Database.” Accessed December 17, 2025. https://apps.who.int/nha/database/
2. Deutsche Sozialversicherung, “Health Insurance in Germany.” Accessed December 17, 2025. https://www.deutsche-sozialversicherung.de/en/health-insurance-in-germany/
3. Expat Arrivals, “Healthcare in Germany for Expats.” Accessed December 17, 2025. https://www.expatarrivals.com/europe/germany/healthcare-germany
4. World Travel Guide, “Health in Germany.” Accessed December 17, 2025. https://www.worldtravelguide.net/guides/europe/germany/health/
5. How to Germany, “Pharmacies in Germany.” Accessed December 17, 2025. https://www.howtogermany.com/pages/pharmacies.html
6. Deutsche Sozialversicherung, “Health Insurance in Germany.” Accessed December 17, 2025. https://www.deutsche-sozialversicherung.de/en/health-insurance-in-germany/
7. Deutsche Sozialversicherung, “Health Insurance in Germany.” Accessed December 17, 2025. https://www.deutsche-sozialversicherung.de/en/health-insurance-in-germany/
8. Expat Arrivals, “Healthcare in Germany for Expats.” Accessed December 17, 2025. https://www.expatarrivals.com/europe/germany/healthcare-germany
9. Deutsche Sozialversicherung, “Health Insurance in Germany.” Accessed December 17, 2025. https://www.deutsche-sozialversicherung.de/en/health-insurance-in-germany/
10. Expat Arrivals, “Healthcare in Germany for Expats.” Accessed December 17, 2025. https://www.expatarrivals.com/europe/germany/healthcare-germany
11. World Travel Guide, “Health in Germany.” Accessed December 17, 2025. https://www.worldtravelguide.net/guides/europe/germany/health/
12. World Travel Guide, “Health in Germany.” Accessed December 17, 2025. https://www.worldtravelguide.net/guides/europe/germany/health/