List of top rated Health Insurance Providers in Germany August 2025
Discover top-rated insurers, ranked by coverage quality, customer satisfaction, and value.
Debeka
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4.1/5
Premium from 46 €
Benefits
- Largest PKV provider
- Strong premium stability
- Wide tariff selection
Suitable for
- Families
- Expats
- High-income employees
Techniker Krankenkasse
4.2/5
Premium from 126 €
Benefits
- Germany’s largest GKV with 11M+ members
- Top-rated digital tools & app
- Very expat/student-friendly
Suitable for
- Families
- Students
- Employees
HanseMerkur
3.9/5
Premium from 200 €
Benefits
- Excellent dental coverage
- Flexible modular tariffs
- Fast claims handling
Suitable for
- Expats
- Students
- Freelancer
Allianz PKV
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3.8/5
Premium from 165 €
Benefits
- Global brand recognition
- Strong expat/international plans
- Financially very stable
Suitable for
- Expats
- Self-Employed
- High-income employees
ARAG Krankenversicherung
3.8/5
Premium from 190 €
Benefits
- Strong coverage-to-cost ratio
- Good supplementary options
- Stable premiums
Suitable for
- Expats
- Self-Employed
- Freelancer
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