Not everyone is entitled to private health insurance in Germany. When living or registering in Germany, it is mandatory to have either private or statutory health insurance. As a statutory insured employee, the health insurance contribution is deducted from the wage and your employer pays half of the contribution, but only up to the maximum rate of around 352 euros. Only civil servants, self-employed people or students as well as employees whose salary exceeds the annual salary limit are entitled to private insurance. In 2019, this limit is 60,750 euros gross per year. The decision in favor of private health insurance is a decision for life because politics has set narrow limits to a return to the solidarity system. Private health insurance contributions are not based on salary, but on age, health and insurance benefits.
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