GKV covers the basics — but dental work, private hospital rooms, and specialist access can cost thousands out-of-pocket. Supplemental insurance closes the gap. We compare 340+ plans, entirely in English.
GKV vs. Reality
Germany's public health insurance (GKV – gesetzliche Krankenversicherung) is among the best in the world for basic care. But "basic" is the key word. As an expat you'll quickly discover the gaps when you visit a dentist, need a specialist fast, or require treatment abroad.
A supplemental health insurance plan (Zusatzversicherung) sits on top of your GKV and covers exactly what the state doesn't. You keep your GKV — you just add targeted protection where it matters.
Good news: you don't need to speak fluent German to apply. Most top insurers accept English applications, and our comparison is fully in English with personal English-speaking advisors.
Real Expat Problems
Dental implants and complex crowns are among the biggest out-of-pocket costs for GKV members in Germany.
GKV patients often wait months for specialist appointments. Private patients get seen within days.
GKV has very limited international coverage. Emergency treatment abroad can cost tens of thousands without travel insurance.
Alternative and complementary medicine is popular in Germany, but GKV pays almost nothing for it.
Supplemental Plans
All plans work alongside your existing GKV membership. No need to switch providers.
Simple Process
No German required. Our English-speaking advisors handle everything.
What do you want covered? Enter your age and desired coverage — takes 60 seconds. No registration, no spam.
Our English-speaking expert contacts you within 24 hours, explains your options and recommends the best plan for your situation.
Most insurers accept English applications online. You only need a German address and IBAN. We handle the paperwork.
Top Picks 2026
Last updated June 2026 · All plans carefully reviewed · English applications accepted
| Plan | Monthly | Dental cover | Waiting period | Orthodontics | English support | Rating | |
|---|---|---|---|---|---|---|---|
| DKV ZahnPremium Plus | €28.40 | 100 % | None | ✓ | ✓ | ★ 4.9 – Best overall | |
| Hanse Merkur ZahnPrivat | €24.90 | 90 % | None | ✓ | ✓ | ★ 4.7 – Excellent | |
| Signal Iduna Zahn Premium | €19.70 | 80 % | 3 months | ✓ | – | ★ 4.4 – Good |
* Sample premiums for a 35-year-old without pre-existing conditions. Contact us for a personalised quote.
Free English-speaking advice
Our English-speaking advisors analyse your situation and recommend the best plan within 24 hours — no pressure, no obligation, completely free.
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Real Expats, Real Savings
"I moved to Munich for work and had no idea how German insurance worked. This site explained everything in plain English. Found a dental plan in 15 minutes — saved over €800 on my first crown."
"As a freelancer in Berlin my GKV coverage was basic at best. Adding a hospital top-up was the best €22/month I've ever spent — private room, chief physician, no waiting. Worth every cent."
"The comparison was straightforward and the English explanations of German insurance terms were a lifesaver. I finally understand GKV vs PKV. Signed up for dental and travel cover in one go."
Expat FAQ
Get your free, English-speaking consultation. Personal advice, no anonymous hotline — reply within 24 hours.
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