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How much does supplementary health insurance cost in Germany?

In short

How much does supplementary health insurance cost in Germany? It depends on the module and your age: travel health cover from about EUR 8 a year, dental from EUR 6 a month, a strong hospital tariff with two-bed room from about EUR 31 a month at 32. With travel, good dental and hospital cover, many 40-year-olds pay EUR 60 to 80 a month.

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What it costs

Sample premiums from published comparisons, per module and age.

Example	Typical range
Travel health, one person, annual contract	from about EUR 8 a year, just under EUR 21 at 70
Dental, age 43, very good tariffs	about EUR 25 to 58 a month
Hospital two-bed room, age 32	from about EUR 31 a month
Hospital two-bed room, age 52	from about EUR 49 a month
Outpatient with glasses	about EUR 5 to 15 a month, strong tariffs EUR 20 to 35

Guide values as of October 2026, from publicly quoted tariff examples.

Health and scope of cover change the premium; we obtain the exact quote.

Worked example

Age 40, healthy, in public health insurance, flies home once a year

This is how the monthly premium adds up if you choose the three modules that matter most to most people.

Travel health (around EUR 10 a year)	around EUR 1
Dental including implants	about EUR 25 to 35
Hospital two-bed room and chief physician	about EUR 35 to 45

Together about EUR 61 to 81 a month. With basic dental instead of a strong tariff, the premium drops to around EUR 40 to 50. The values for age 40 sit between the published comparison ages, a guide value from our quoting practice.

Premiums per module

Supplementary health insurance (Krankenzusatzversicherung) is not one product but a set of modules on top of your public health insurance (GKV). You only pay for the modules you choose, and each has its own price.

The table shows published sample premiums. For your age and health the premium may be higher or lower.

Module	Premium	What it pays for
Travel health	from about EUR 8 a year	doctor, hospital and medical flight home on trips
Dental, basic	from about EUR 6 a month	top-up to the public fixed subsidy
Dental, strong (age 43)	about EUR 25 to 58 a month	implants, inlays, high-quality dentures
Hospital (age 32)	from about EUR 31 a month	two-bed room, chief physician, free choice of hospital
Hospital (age 52)	from about EUR 49 a month	as above, signed later
Outpatient, glasses, Heilpraktiker	about EUR 3 to 35 a month	glasses, naturopathy, check-ups
Sick pay (age 35, EUR 20 from day 43)	about EUR 7 to 23 a month	income during long illness

Why your age matters so much

If you sign young and healthy, you pay much less. For hospital cover the gap between age 32 and 52 is around EUR 18 a month in published comparisons, for every year of the contract.

Good tariffs build ageing reserves (Alterungsrückstellungen). They cost a little more at first but do not rise just because you get older. Tariffs without reserves start cheap and get more expensive with each age band.

What else drives the premium

Almost every insurer asks health questions, including about treatment in your home country. Ongoing treatment or missing teeth can lead to a surcharge, an exclusion or a refusal.

For dentures, many tariffs cap payouts in the first contract years at fixed sums. If you expect expensive treatment soon, you only get part of it back despite paying premiums.

What newcomers to Germany should check

Public dental subsidies rise with a full bonus booklet (Bonusheft), which newcomers do not have yet. In the first years your own share for crowns and bridges is therefore higher, and dental cover is worth more to you than to someone with ten years of check-ups.

If you plan to stay only a few years, prefer tariffs you can cancel to the end of the insurance year. Ageing reserves you build up are not paid out when you leave.

When you can save the premium

Small, plannable costs such as glasses every two years are usually cheaper to pay yourself. A hospital daily allowance that only pays a fixed sum per day is something few people need.

If you earn well and have savings, you can also self-insure dentures. Cover pays off where a single bill would really hurt.

Step by step

Decide which bill would really hurt you: teeth, hospital or income.
Choose only those modules and pay small costs yourself.
Look for ageing reserves so the premium stays predictable.
Answer the health questions fully, including treatment abroad.
Compare waiting periods and payout caps in the first years.
Sign early: every year you wait makes the premium permanently higher.

Checklist

Modules chosen by risk, not by advertising
Tariff with ageing reserves for hospital and dental
Payout caps in the first years known
Waiting period fits any planned treatment
Health questions answered honestly
Total premium fits your budget for the long run

Common mistakes

Buying many small modules that together cost more than the expected bills
Signing only after the dentist has planned treatment
Looking only at the starting premium and missing the rise with age
Leaving out pre-existing conditions and getting nothing when you claim

Questions and answers

Frequently asked

How much does supplementary health insurance cost per month?

Single modules range from under EUR 1 for travel cover to around EUR 60 for strong dental or hospital tariffs. A package of dental, hospital and travel often costs EUR 60 to 80 at age 40.

Does it get more expensive with age?

Yes for tariffs without ageing reserves, with every age band. Tariffs with reserves can also rise because treatment costs go up, but not because of your age alone.

Is it cheaper through my public fund?

Some funds offer partner tariffs with a small discount. Benefits and the premium trend matter more than a few percent at the start.

Can I deduct the premiums from tax?

In principle as other provident expenses. Because the cap is usually used up by your public health and care contributions, it often makes no difference.

Can I sign with pre-existing conditions?

Often yes, but with a surcharge or exclusion of the known condition. With ongoing dental treatment many insurers refuse or exclude it.

When do I not need supplementary cover?

If you are happy with public benefits and can pay larger bills from savings. You should still have travel health cover, it costs very little.

Sources

NAMMERT insurance broker

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