First aid for Munich

First aid for Munich

Healthcare in Munich is among the best in Germany. From general practitioners and specialists to modern hospitals, medical care is widely available and of high quality.

Important to know: Health insurance is mandatory in Germany. This means that every resident – including international newcomers – must have valid health insurance.

In general, there are two types of health insurance: public (statutory) and private. The right option depends on factors such as your income, employment status and length of stay.

For expats, the system may seem complex at first. However, with the right insurance, you gain access to one of the most efficient healthcare systems in Europe.

Public or private?
Public health insurance (GKV) covers basic medical care and is mandatory for most employees. Private health insurance (PKV) often offers additional benefits but is only available under certain conditions.

Many health insurance providers offer special services for international clients, such as English-speaking support, digital services and guidance when navigating the German healthcare system.

 

Emergency & medical services

Medical care in Munich is available around the clock. In emergencies, several key services are available to assist you quickly and efficiently.

Statutory or private? Health insurance in Germany

Statutory or private? Health insurance in Germany

Anyone living in Germany must have health insurance. In general, people can choose between statutory health insurance (GKV) and private health insurance (PKV). Which option is best depends mainly on income, employment status and personal needs.


Statutory health insurance (GKV)

Statutory health insurance is mandatory for most employees. Contributions are income-based (approx. 14–15% of gross salary, plus an additional contribution).

Advantages:
– family members can be insured at no extra cost
– solid basic coverage
– income-based contributions

Disadvantages:
– fewer individual treatment options
– sometimes longer waiting times for specialists


Private health insurance (PKV)

Private health insurance is mainly available to self-employed individuals, civil servants and high earners (above a certain income threshold).

 

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