GKV vs. Private Health Insurance:
Which is Right for You?
Answer 5 quick questions to find your perfect plan — or scroll down to compare directly.
How old are you?
How long will you study in Germany?
What's your monthly budget for insurance?
How would you describe your health needs?
What matters most to you?
Side-by-Side Comparison
All plans at a glance — find the coverage that fits your needs.
| Feature | Public GKV | Private PKV Basic | Private PKV Comfort | Popular PKV Premium |
|---|---|---|---|---|
| Monthly premium | ~€110 | €39 | €59 | €89 |
| Age limit | Under 30 | All ages | All ages | All ages |
| Study type | Degree programs only | All types | All types | All types |
| Outpatient care | 100% | 80% | 90% | 100% |
| Hospital (inpatient) | 100% | 100% | 100% | 100% |
| Medication | ✓ | ✓ | ✓ | ✓ |
| Dental | Basic | Basic | Extended | Full |
| Vision / glasses | — | — | €100/year | €250/year |
| Deductible | €0 | €500 | €250 | €0 |
| Cancellation notice | 3 months | 1 month | 1 month | 1 month |
| Providers | TK, AOK, Barmer… | Various | Various | Various |
| Visa-compliant | ✓ All universities | ✓ | ✓ | ✓ |
Pros & Cons at a Glance
GKV Public
- Unlimited benefits — no coverage caps
- Accepted by all universities
- No waiting periods
- Only available under age 30
- Higher monthly cost (~€110)
- Limited dental coverage
PKV Private
- Available at any age
- More affordable (from €39/month)
- Flexible plan options
- Deductibles may apply
- Possible waiting periods
- Some universities scrutinize closely
Decision Guide
Choose GKV if…
- You are under 30
- Enrolling in a regular degree (Bachelor, Master)
- You want comprehensive coverage with no exclusions
- You plan to stay in Germany long-term
Choose PKV if…
- You are 30 or older
- Attending a language course or Studienkolleg
- You're on a tight budget
- Only staying short-term (< 1 year)
Frequently Asked Questions
Can I switch from PKV to GKV?
Yes, if you are under 30 and enroll in a regular degree program (Bachelor or Master), you can switch from private to public health insurance. You must apply for GKV within the first 3 months of enrollment.
What happens if I turn 30 during my studies?
If you are already enrolled in GKV when you turn 30, you can usually stay until the end of the current semester. After that, you will need to switch to private health insurance (PKV).
Which universities accept PKV?
All German universities accept private health insurance that meets minimum coverage requirements. You will need a GKV exemption certificate (Befreiungsbescheinigung) to enroll with PKV.
How do I apply for a GKV exemption?
To get a GKV exemption, apply at any public insurer (e.g., TK, AOK, Barmer) within 3 months of enrollment. They will issue a Befreiungsbescheinigung, which you submit to your university. Note: this exemption is irrevocable for the duration of your studies.
Ready to Get Insured?
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