Private Health Insurance:Stay covered in Germany
With the MAWISTA insurance included in the Fintiba Plus package, you are fully covered for your stay.
Explore MAWISTA Health Insurance Options
MAWISTA GmbH is one of the market leaders with tailor-made private health insurance in Germany. It is perfect for those who need medical protection for their temporary stay in Germany
For Travel Health Insurance:
MAWISTA Visum
Free of charge within the Fintiba Plus package1
Unlimited insurance coverage (more than € 30,000.00 is covered)
Valid for the agreed period within 12 months from the applied start of insurance; multiple entry and exit are possible
Coverage complies with the requirements of the European Parliament and Council
Including travel liability insurance
For Private Health Insurance
MAWISTA Student
Valid for 60 months
automated cancellation in case you switch to public health insurance
Insured region: Germany and the states of the EU (+ Switzerland, Liechtenstein, Norway and Iceland)
Free choice between the Classic and Expatcare Comfort tariff
Including an insurance card in the Expatcare Comfort tariff to make the authentication at your doctor easy and seamless
Opportunity Card Insurance
MAWISTA Reisecare
Valid for 365 days
can be terminated any time before the contract expires
Insured region: Germany and the states of the EU (+ Switzerland, Liechtenstein, Norway and Iceland)
24/7 medical assistance/emergency call centre
Coverage complies with the requirements of the European Parliament and Council
Experience Seamless Health Coverage in Germany
With MAWISTA Expatcare, your health is our priority. Enjoy hassle-free access to medical services during your stay.
Your Benefits
Use your insurance card for easy doctor consultations and 24/7 emergency support.
Get Covered
Apply for MAWISTA Expatcare and secure your health insurance today.
Fintiba Plus 'ı Bugün Alın
Apply for your visa with confidence – Fintiba Plus includes a blocked account and visa-compliant health insurance in one complete package.
Your Health Insurance for the Opportunity Card
The requirements for the Opportunity Card visa differ slightly from those of the Job Seeker visa. To ensure a smooth application process you should have a right insurance!
MAWISTA Reisecare meets all the visa requirements of the Opportunity Card, and provides a reliable protection in case of unexpected illness or accidents during your stay in Germany!
With MAWISTA Reisecare, you can confidently apply for your visa and enjoy peace of mind while preparing for your new life in Germany.
Comprehensive Medical Support – Anytime, Anywhere
Get access to 24/7 emergency assistance, outpatient care from licensed doctors, and peace of mind knowing that you’re covered across Europe and beyond for up to 365 days.
Full Coverage for Hospital & Surgery
Whether it's an unexpected illness or a planned operation, your insurance covers inpatient hospital stays, surgical procedures, and all necessary medical treatments without extra costs.
Dental Protection After Accidents
Stay protected even in emergencies – the plan includes dental repairs and temporary dentures after accidents, so you're never left on your own when it matters most.
Insurance Coverage
When registering for the Fintiba Plus package, you have the option to choose between these two private health insurance tariff options if not eligible for statutory health insurance.
Why Choose Fintiba Plus Package for Your Visa?
Fintiba Plus combines everything you need for a successful visa application in Germany. With one account, you get a visa-compliant blocked account and the right health insurance – fully digital, officially approved, and ready for embassy submission.
Visa Support
Get clear guidance for setting up your blocked account and visa-compliant health insurance – all managed in one app, with support from the Fintiba team throughout the process.
Reliable Coverage
Includes travel insurance for your arrival and private health insurance for your stay – tailored to meet all legal requirements before you start working or studying.
Monthly Rates Comparison
Affordable health insurance for students and expats
Who Is Eligible for Private Health Insurance in Germany?
Private health insurance in Germany is primarily available to individuals who are either exempt from compulsory public health insurance or earn above a certain income threshold. Eligibility depends on your employment status, income level, and residency situation. While it offers more personalized coverage and premium flexibility, not everyone qualifies for it by default.
Below are the specific criteria and exceptions you should be aware of when considering a switch to private health insurance.
How to Sign Up for Private Health Insurance in Germany
Signing up for private health insurance in Germany involves a structured process. While it’s more flexible than the public system in terms of providers and benefits, private insurance companies require detailed personal and health information before approving coverage. Starting early ensures you get a suitable plan that meets both your needs and legal requirements, especially if you're applying for a visa.
Here’s how the process works from start to finish.
Adım Adım Başvuru Süreci
1. Assess Eligibility
Confirm that you meet the criteria to switch to or apply for private insurance (e.g., income threshold, self-employment, student age limits).
2. Compare Providers and Plans
Review different private insurers, paying attention to monthly premiums, included benefits, deductible options, and exclusions.
3. Request a Quote
Most insurers offer online quote calculators. You’ll need to provide details about your health, occupation, and desired coverage level.
4. Submit a Health Questionnaire
Unlike public insurance, private providers require a detailed medical history. Pre-existing conditions may impact approval or pricing.
5. Receive and Review Policy Offer
If approved, you'll get an insurance offer with the exact terms and monthly contributions. Review the contract carefully before signing.
6. Sign the Contract and Receive Confirmation
Once accepted, your insurer will send a policy confirmation (Versicherungsbescheinigung), which you’ll need for visa applications or university enrollment.
7. Start Coverage
Your insurance becomes active on the agreed date, typically either from the date of arrival in Germany or the start of employment/studies.
Documents Required for Enrollment
To complete your private health insurance application in Germany, you’ll usually need the following documents:
• Completed application form from the insurer
• Valid passport or ID
• Proof of residence or address in Germany (Anmeldung, if available)
• Proof of income (employment contract for employee health insurance, or self-employment status, if applicable)
• University admission letter (for student health insurance)
• Visa or residence permit (for non-EU nationals)
• Health history or completed medical questionnaire
Additional documents may be requested depending on your personal situation and the insurer's internal policies.
How What Does Private Health Insurance Cover in Germany?
Private health insurance in Germany typically offers more comprehensive and customizable coverage than the public system. While public insurers follow standardized rules, private providers allow you to tailor your benefits based on your needs, age, and budget.
The scope of coverage can vary significantly between plans, so it’s important to understand what’s typically included—and where the key differences lie.
Coverage Details and Benefits
Private health insurance in Germany typically includes extensive outpatient and inpatient care. This means you can visit specialists without needing a referral and, in most cases, gain faster access to appointments and treatments. When hospitalized, private patients are often entitled to stay in single or double rooms and receive care from senior physicians.
Dental services are also more comprehensive compared to public plans. Many private policies reimburse a higher percentage of costs for treatments, cleanings, and even prosthetics. Vision benefits—such as glasses or contact lenses—may also be partially covered, depending on the insurer.
Some providers go beyond traditional care and include alternative treatments like homeopathy or osteopathy. Preventive check-ups are usually part of the package, and many plans include international coverage for travelers or expats who spend time abroad. These advantages make private insurance appealing to those who want greater flexibility and faster service.
Pre-Existing Conditions and Private Insurance
Unlike public insurance, private health insurers evaluate your medical history before accepting your application. This process includes a detailed questionnaire about current and past illnesses, surgeries, ongoing medications, and even hereditary conditions.
Based on your answers, the insurer may approve your application at a standard rate, increase your monthly premium with a risk surcharge, or exclude specific conditions from coverage. In some cases, especially with serious or chronic illnesses, the provider might decline to offer insurance altogether.
If you have a complex medical history, public insurance may be the safer route. Still, some private insurers offer entry-level plans with simpler screening procedures—especially useful for younger applicants with minor or no health concerns.
Frequently Asked Questions About Private Health Insurance in Germany
Choosing private health insurance in Germany can raise many questions, especially for newcomers, students, and expats. Below, we’ve answered some of the most common concerns to help you better understand how private coverage works, what to expect during the application process, and how to make informed decisions based on your personal situation.
What is incoming insurance for Germany?
There is often a gap between the date of your arrival in Germany and the starting date of your health insurance coverage (public or private). Incoming insurance, also known as travel health insurance, provides you with insurance coverage during this gap. Your incoming insurance starts from the date of your arrival in Germany and ends when one of the following applies: 1. The starting date of your health insurance coverage, or 2. 183 days after your arrival date. This implies that your incoming insurance is valid for a maximum of 183 days after you arrive in Germany. Fintiba provides customers with the MAWISTA Visum travel health insurance, which offers comprehensive coverage. With the Fintiba Plus package, you will get this incoming insurance for free.
Can I combine private and statutory health insurance?
It is possible to combine private and statutory health insurance under specific circumstances. However, this can complicate coverage and claims. Always seek professional advice to navigate these options effectively.
Can I switch from statutory to private health insurance?
No, you cannot be fully insured under both systems at the same time. However, it is possible to take out private supplementary insurance (Zusatzversicherung) while remaining in the public health system. This allows you to access extra services such as better dental care or private hospital rooms.
How much does private health insurance cost in Germany?
Monthly costs vary widely, starting from around €200 for young and healthy individuals. Factors like age, health status, and coverage level significantly influence the final premium. Self-employed persons and high earners often pay more, while students and civil servants may benefit from discounted rates.
Does private health insurance cover pre-existing conditions?
Not always. Private insurers assess your medical history during the application process. Pre-existing conditions may lead to higher premiums, coverage exclusions, or even rejection, depending on their severity.
How many private health insurance companies are in Germany?
There are around 40 licensed private health insurance companies in Germany. Some of the most well-known providers include Allianz, Debeka, HanseMerkur, and AXA. Each insurer offers different plans, so it’s important to compare both coverage and conditions.