Free 15-Min Call · English · No Pitch

Most expats in Germany are overpaying for health insurance.

If you earn over €77,400 and you're still on public health insurance (GKV) — there's a good chance you qualify for private insurance at up to 50% less. Find out in 30 seconds.

Check If You Qualify → WhatsApp

Takes 30 seconds · Free · No obligation

Dominic Steil · Independent Broker

30-Second Check

Do you qualify for private health insurance?

Answer 3 quick questions and find out right now.

Question 1 of 3

What's your employment status in Germany?

Question 2 of 3

What's your approximate annual gross income?

Question 3 of 3

How old are you?

GKV Reform 2026

Germany is planning to cut public health insurance — significantly.

The government plans to save €20 billion from the public health system. For well-earning expats, this means paying more and getting less.

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Sick pay

70% → 65%

Sick pay could drop from 70% to 65% of your gross salary. On €5,000/month that's €250 less — every month you're ill.

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Co-payments

+50%

All co-payments — medications, hospital stays, therapy — planned to rise 50% and increase every year after.

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Partner co-insurance

+€193/mo

Free partner co-insurance is planned to end. Couples without young children could face up to €193 more per month.

Source: Draft proposal by the Federal Ministry of Health (BMG), April 2026. Not yet passed into law.

Not sure if this affects you?

Find out in a free 15-minute call — honest answer, no pitch.

Book Free Call →

Is this for you?

This call makes sense if you...

🌍 Live and work in Germany as an expat

💶 Earn over €77,400/year or are self-employed

🏥 Are currently on public health insurance (GKV)

📅 Are under 45 years old

💻 Work in tech, finance, or a similar field

🤝 Want an honest opinion — not a sales pitch

✗ Not suitable if you're over 50, have serious pre-existing conditions, or earn below the Versicherungspflichtgrenze.

GKV vs. PKV

What you actually get with private insurance

A side-by-side comparison — the numbers most people never see.

GKV Public

PKV Private

Monthly premium (€80k salary)

≈ €435 / mo

≈ €220 / mo

Doctor waiting time

✗ Weeks

✓ Days (priority)

Hospital room

✗ Shared ward

✓ Private / single room

Sick pay

70% → 65% (planned cut)

✓ Up to 100%

Premium based on

% of your salary

✓ Age + health only

Family co-insurance

✓ Free (if no income)

Extra per person

* Family coverage differs — for families, GKV can still be the right call. Dominic will tell you which applies to you.

What clients say

Real experiences from expats in Germany

5 / 5 ★★★★★

"Recently moved to Germany and I was unfamiliar with the German healthcare system. Domi was fantastic — he explained everything very clearly and saved me so much money compared to the public system while getting better coverage. A no-brainer."

Michael H.

Senior AI Engineer · Google Review

5 / 5 ★★★★★

"Outstanding service and excellent results. I have been privately insured through Mr. Steil for several years and am completely satisfied. The service is friendly, competent, and always reachable. Anyone who values first-class healthcare and fast, personal support is in exactly the right place."

Georges J.

Senior Physician · Google Review

Your advisor

Dominic Steil

Independent Insurance Broker · Germany

Dominic doesn't work for any insurance company. He has no interest in recommending the wrong product — his only job is to tell you what actually makes sense for your situation.

Previously a top advisor specializing in PKV for doctors at Interinsurance. Now independently advising expats, self-employed professionals, and high earners across Germany.

What Dominic promises

He will tell you honestly if PKV is NOT right for you
No commission pressure — completely independent advice
The call is in English, 15 minutes, no paperwork
No follow-up sales calls if you say no
Direct contact via WhatsApp — no call centers

How it works

Three steps. 15 minutes. Full clarity.

No forms, no paperwork, no pressure. Just a direct conversation in English.

Book your free slot

Pick a time that works for you. The call is 15 minutes, fully in English — no preparation needed.

Get an honest answer

Dominic asks a few questions and tells you directly: PKV makes sense for you — or it doesn't.

You decide — no pressure

Zero obligation. If private insurance isn't right for your situation, he'll tell you that too.

FAQ

Common questions

PKV is Germany's private health system. Unlike public insurance (GKV), premiums are based on your age and health — not your salary. For high earners, this usually means significantly lower monthly costs with equal or better coverage.

If you're employed and earn above the annual threshold (€77,400 in 2025), or if you're self-employed, you can generally choose PKV. The 15-min call will confirm your specific situation.

Genuinely free. Dominic is compensated by the insurance company only if you decide to switch — and only if it makes sense for you. No cost, no obligation for the call itself.

Then he'll tell you exactly that. Dominic regularly advises people to stay on GKV. An honest "no" is the whole point of the call — it's what builds trust.

If PKV makes sense, Dominic will walk you through options and next steps — at your pace. If not, that's it. No follow-up pressure, no repeated calls.

Yes — 100% in English. Dominic advises expats every day and conducts all calls in English. No German required, no forms to fill out beforehand. Just show up.

Next step

Find out in 15 minutes if you're overpaying.

Free · English · No obligation · No pitch

★★★★★ 4.9 on Google

📅 Book Your Free 15-Min Call Message on WhatsApp

4.9★ rating · 550+ clients advised · 100% independent