Calculator – Public Health Insurance
Compare 70 statutory health insurance funds — and follow our simple English guide to fill out the form with confidence.
Choosing the right public health insurance in Germany can feel overwhelming, especially when the tools are in German. This calculator helps you compare all 70 statutory health insurance funds, and to make the experience smoother, we’ve prepared an easy English guide to support you as you fill in the form. Just follow the step-by-step explanations below and you’ll navigate the process with confidence.
Use the guide below to understand each field in the German form. We explain every option in English so you can complete the comparison with confidence.
Choose the option that best describes your current situation in Germany:
Angestellter –
Employee with a work contract (full-time or part-time).
→ If you work for a company and receive a monthly salary, choose this.
Berufsausbildung (z.B. Azubi) –
Vocational training / apprenticeship.
→ Select this if you are an apprentice (Azubi) in a recognized training program.
Selbständiger / Selbstzahler –
Self-employed / freelancer / paying contributions independently.
→ For freelancers, contractors, entrepreneurs and anyone working independently.
Rentner (nur gesetzl. Rente) –
Retiree receiving the statutory (public) pension.
→ Only choose this if you receive a German public pension (gesetzliche Rente).
Student –
University student enrolled in a German institution.
→ For bachelor’s, master’s or long-term academic programs.
Enter your gross (pre-tax) monthly income.
If you are an employee → find this in your work contract or payslip (Bruttogehalt).
If you are self-employed → use your estimated average monthly income before taxes.
Students with no income typically leave this as 0 or fill only if required by the form.
Select the German state (region) where you currently live.
Select your previous or current public health insurance provider (if applicable).
Once all fields are filled in, the calculator will show the best matching health insurance funds for your profile. If you need help interpreting the results, feel free to contact us.
