Types, Costs, Legal Requirements & Best Options

Health insurance is not just a benefit in Germany — it is a legal requirement. For Pakistanis living in or planning to move to Germany on a job seeker visa, student visa, skilled worker visa, or family reunion visa, having valid health insurance is mandatory to obtain and maintain a residence permit.

This comprehensive guide explains health insurance options in Germany for Pakistanis, including types, costs, eligibility, and recent updates for 2026.

Why Health Insurance Is Mandatory in Germany

Under German law, every resident must have valid health insurance coverage. Without it:

• Residence permits may be rejected or revoked
• Medical treatment can cost thousands of euros
• Legal penalties or administrative issues may arise

For overseas Pakistanis, health insurance is one of the first and most critical requirements after arrival in Germany.

Types of Health Insurance in Germany

1. Public Health Insurance (Gesetzliche Krankenversicherung – GKV)

Public health insurance is the most common and widely accepted option in Germany.

Key Features:

• Contributions are income-based
• Family members (spouse and children) are often covered free of charge
• Accepted by nearly all hospitals and doctors

Popular Public Insurance Providers:

• Techniker Krankenkasse (TK)
• AOK
• Barmer
• DAK

Cost:
Approximately 14–16% of gross monthly income, shared between employer and employee.

2. Private Health Insurance (Private Krankenversicherung – PKV)

Private insurance is suitable for:

• High-income earners
• Freelancers and self-employed individuals
• Professionals seeking enhanced medical services

Advantages:

• Faster appointments and treatment
• Access to private hospitals and specialists
• Customizable coverage

Disadvantages:

• Premiums increase with age
• Each family member requires a separate policy

Cost:
Ranges from €120 to €600+ per month, depending on age, health, and coverage.

Which Health Insurance Is Best for Pakistanis?

Difference Between Travel Insurance and Health Insurance.

Many new arrivals confuse travel insurance with health insurance.

• Travel Insurance: Short-term coverage, mainly for visa issuance
• Health Insurance: Long-term coverage required for residence permits

In Germany, travel insurance is only accepted for a limited initial period. Long-term residents must switch to recognized health insurance.

Risks of Living Without Health Insurance in Germany

• Residence permit refusal
• High hospital bills during emergencies
• Legal and financial complications

German authorities strictly enforce health insurance compliance.

Required Documents for Health Insurance Registration

Pakistani applicants typically need:

• Valid passport
• Visa or residence permit
• Address registration (Anmeldung)
• Employment contract or enrollment letter (if applicable)

Important Updates for 2026

• Stricter insurance rules for freelancers
• Increased minimum coverage requirements
• Digital registration systems expanded

These changes make selecting the right insurance provider more important than ever.