Top 10 Cities in Germany for Expats in 2025: Cost, Jobs & Lifestyle Compared

Germany has one of the world’s best healthcare systems—but navigating it as a newcomer can be a nightmare. Here’s what you need to know in 2025.

Public vs. Private Insurance

Public (Gesetzliche Krankenversicherung – GKV)

• Mandatory if your salary is under ~€69,300/year
• Contributions are income-based (~14–15% split between employee and employer)
• Covers most medical services, dental, and sick pay
• Includes free coverage for children and dependents

Private (Private Krankenversicherung – PKV)

• Optional for high earners, freelancers, or civil servants
• Premiums based on age, health, and services selected
• Better access to specialists, shorter wait times
• Children require individual policies

What Changed in 2025

• Digital integration: You can now sign up for most providers online
• E-prescriptions and EHRs are now fully rolled out
• AI-powered plan comparison tools (like MigrateMate!) make selecting plans much easier

How to Choose

1. Employees under the threshold must use GKV
2. Freelancers/self-employed can choose either (PKV offers more flexibility but higher long-term cost)
3. Students often get special GKV student rates
4. Families with multiple dependents often save more under GKV

How MigrateMate Helps

• Eligibility Checker: We calculate your best option
• Plan Comparison Tool: See public vs. private plans side-by-side
• Application Guide: Step-by-step help with registration

👉 Sign up for the beta now and take control of your health coverage.