Germany has a well-regarded, mandatory health insurance system, and understanding how it works is one of the more important practical steps for anyone relocating to Berlin.
Mandatory Insurance
Health insurance is legally required for all residents in Germany, whether through the public system (gesetzliche Krankenversicherung) or private insurance (privater Krankenversicherung). Employees typically split public insurance premiums with their employer (roughly 14-15% of income combined), while freelancers on the Freiberufler visa pay the full premium themselves, typically €200–400/month depending on age and provider.
Public vs. Private
Public insurance covers most standard care with no upfront payment required at point of service. Private insurance, available to higher earners and some freelancers, can offer faster specialist access and more provider choice, but is generally harder to switch back from once chosen.
Quality of Care
Germany’s healthcare system is well-regarded internationally, with good outcomes and generally reasonable wait times for a European public/mixed system, particularly compared to the UK’s NHS.
Finding English-Speaking Doctors
Central Berlin has a good number of English-speaking doctors and international clinics, though smaller neighbourhood practices may be German-only — resources like the Berlin expat community forums maintain updated lists of English-friendly providers.
Emergency Care
Call 112 for emergencies. Charité and Vivantes are major hospital networks in Berlin with well-equipped emergency departments.
The Bottom Line
Health insurance in Germany is mandatory, not optional, and freelancers specifically should budget for it as a genuine monthly cost from day one, not an afterthought.
Frequently Asked Questions
Can I use my home country’s travel insurance instead of German insurance?
Generally no for anyone staying long-term or on a visa requiring proof of insurance — German-compliant insurance meeting specific coverage standards is required for residency and visa purposes.