Intelligence Platform
Health Insurance Tools
Understand, calculate, and compare the German health insurance system — built for international professionals living in Germany.
Why these tools exist
The German health insurance system is complex. These tools help international professionals understand the rules, calculate their costs, and explore different scenarios — before speaking with an advisor.
Eligibility Engine
Instantly find out if you legally qualify for private health insurance (PKV) in Germany.
Check eligibilityGKV Contribution Calculator
Calculate your statutory health insurance cost including employer/employee split and long-term care.
Calculate GKV costGKV vs PKV Comparison
Side-by-side comparison of statutory vs private insurance with realistic tariff-based pricing.
Compare costsScenario Explorer
What happens if your salary drops? You become self-employed? Understand complex system rules.
Explore scenariosLifetime Cost Simulator
Project your insurance costs over 30 years. Visualize GKV vs PKV long-term trajectories.
Simulate lifetime costSystem Explorer
Interactive knowledge base: how GKV and PKV work, eligibility rules, employer subsidy, retirement, and key terms.
Explore the systemShould I Switch?
The ultimate decision tool. GKV cost, PKV pricing, lifetime projection, and personalized recommendation.
Get your answerNeed personalized advice?
These tools help you understand the system. For a tailored recommendation based on your specific situation, speak with one of our English-speaking advisors.