Generally, you can switch if your gross annual income is above €73,800 (2025 threshold) or if you’re self-employed, a freelancer, or a civil servant. Expats moving to Germany for work or study can often choose private health insurance from the start — we’ll help you check your eligibility in minutes.

In most cases, it only takes 1–3 days once we’ve confirmed your details and matched you with a provider. If you need your policy quickly for a visa or employer start date, we can usually expedite the process the same day.

No problem — there are still options. Self-employed people can usually join private insurance regardless of income.
If you’re below the threshold as an employee, we’ll help you compare hybrid or expat-specific plans and explain how you could qualify later as your income grows.

Yes — 100 % free and non-binding.
Our advisors are independent and paid by the insurers, not by you. You’ll receive clear, transparent advice with no upselling or hidden fees — just the best options for your situation.

In most cases, switching back to public insurance (GKV) is only possible under certain conditions — for example, if your income drops below the threshold or if you take up employment again after being self-employed.
Our advisors will explain your long-term options before you switch, so you can make a confident and informed decision.