Document

In Germany, every resident must have health insurance, choosing between public statutory insurance, which is income-based, covers essential care, and includes dependents at no extra cost, or private insurance, which offers modular plans with potentially faster access and broader coverage but requires eligibility based on income and employment. Public insurance generally suits older individuals and families due to fixed costs and comprehensive coverage, while private insurance is often better for younger, healthier, high earners or civil servants seeking customized plans and quicker specialist access. Both systems cover primary care, hospitalization, dental, and mental health, but differ in cost structure, eligibility, and access speed, making the choice dependent on personal circumstances such as age, income, family size, and coverage needs.