GKV or PKV? Prepare the right questions
A checklist for your health insurance consultation in Germany.
The automatic quiz is currently unavailable
The previous scoring tool is being reviewed. This page does not calculate a score or recommend a health insurance system. You can use the checklist below without entering contact details.
Start with these five questions
- What is my employment and insurance status?
- What cover do I currently have, including any previous insurance abroad?
- Which family members need cover?
- What benefits and out-of-pocket costs matter to me?
- Could my income, family circumstances or country of residence change?
Personal preferences alone do not establish eligibility. A consultation should first clarify which options are legally available and then assess whether they suit your circumstances.
Read the updated health insurance guide or ask a question in English.
Speak to Sven
Advice is available in Berlin and online across Germany. The consultation is free. For insurance arranged through Sven, insurers pay commission; insurance premiums and policy costs still apply.