Check eligibility to switch to private insurance (PKV)

Overview

Use this each year if you are considering private health insurance (PKV). For 2026, eligibility generally requires annual income above EUR 77,400 for three consecutive years.

Timing to be aware of

Annually

Reference only — your timing may differ. Confirm with the relevant office.

What you'll need

• salary
• Employment type

Common questions

Questions people often look up at this stage. Answers are general — confirm with the relevant office or a qualified professional.

• Does it cost more to see a doctor in Germany if I'm not from the EU?
• I just arrived and my card hasn't arrived. Can I see a doctor today?

Related events

• Annual eligibility check for private health insurance (PKV)
  High
  Annually
• Check Familienversicherung eligibility
  High
  Annually
• Routine dental check-up (twice yearly)
  Medium
  Every 6 months
• Maintain Bonusheft records
  Medium
  Annually
• Annual Pflegeversicherung contribution check
  Medium
  Annually