List of Private Health Insurance Companies in Germany [2025]

Key takeaways

• There are 37 (as of 2025) private health insurance companies in Germany that offer full private health insurance.
• Use our "Health Insurance Finder" tool to check which health insurance is best for you.
• We recommend getting private health insurance via an insurance broker. They are experts and can help you find the best plan for your needs. You can book a call with an expert we recommend here.
• In our comparison and test, we found Haellesche, Allianz, and Signal Iduna’s private health insurance plans to be the best.

Table of Contents

List of private health insurance companies in Germany

As of 2025, there are 37 private health insurance companies in Germany. The private health insurance companies are part of the PKV association.

Health insurance providers must fulfill the following criteria to become a member of the Association of Private Health Insurance (PKV association) (Verband der Privaten Krankenversicherung).

• The insurance company operates in Germany.
• The insurance company is licensed by the Federal Financial Supervisory Authority (BaFin) or a state supervisory authority.

Here is a list of all the private health insurance companies in Germany. They are sorted alphabetically.

Company Name	Total number of members	People insured in full private health insurance	People insured in supplementary health insurance	As of
Allianz	2,948,565	558,226	2,390,339	Dec 2023
ALTE OLDENBURGER	154,815			2023
ARAG	563,002			2023
AXA	1,717,278	808,678	908,600	Dec 2023
Barmenia	2,248,739	308,224	1,920,564	Dec 2023
Concordia	168,907			2023
Continentale	1,302,815			2023
Debeka	4,177,453	2,519,223	1,658,230	Dec 2023
DEVK	492,880			2023
DKV	4,289,251	682,475	3,606,776	Dec 2023
Envivas	447,299			2023
ERGO	1,891,898	51,746	1,840,152	Dec 2023
Generali Deutschland	1,849,721	290,123	1,559,598	Dec 2023
Gothaer	1,362,227			2023
HALLESCHE	905,676			2023
HanseMerkur	1,565,492	300,492	1,265,000	Dec 2023
HUK-COBURG	1,599,647			2023
INTER	382,694			2023
KUK Hannover	Permanently closed
Landeskrankenhilfe V.V.a.G (LKH)	316,039	162,939	153,100	2023
LIGA Krankenversicherung katholischer Priester VVaG	No available data
LVM	430,685			2023
Mecklenburgische Krankenversicherungs-AG	82,773			2023
Münchener Verein	496,189			2022
NÜRNBERGER Krankenversicherung AG	154,815			2023
Ottonova	45,614			2023
Provinzial (VGH)	No available data
R+V	1,669,049	70,712	1,598,337	Dec 2023
SIGNAL IDUNA	2,480,500	623,500	1,857,000	Dec 2023
SONO	No available data
Süddeutsche Krankenversicherung a.G.(SDK)	646,516			2022
Union Krankenversicherung AG	1,362,226			2022
uniVersa	357,597			2022
Versicherungskammer Bayern	No available data
VRK+	No available data
vigo Krankenversicherung VVaG	52,034			2023
Württembergische	493,172			2023

Best private health insurance companies in Germany 

In our comparison and test, we found Haellesche, Allianz, and Signal Iduna’s private health insurance plans to be the best.

Here are the private health insurance plans that were rated the best by Handelblatt and Morgen & Morgen.

Basic protection	Standard protection	Top protection
Hallesche “NK.select S Bonus, NK.select Flex URZ”	Allianz (GSP70)	Hallesche “NK.select XL Bonus, URZ”
	Hallesche “NK.select L Bonus, URZ”	UKV (GesundheitVario)
		uniVersa (uni-top)
		Allianz (GSB70)

We recommend getting private health insurance via an insurance broker. They are experts and can help you find the best plan for your needs. You can book a call with an expert we recommend here.

Largest private health insurance companies in Germany

Private health insurance companies offer two types of health insurance plans.

• Full health insurance (Vollkrankenversicherung)
• Supplementary health insurance(Zuzatzversicherung)

You must earn above the income threshold (i.e., 73,800€ (as of 2025)) to get full private health insurance. However, anyone can get supplementary health insurance. 

This is why the number of people with supplementary health insurance is much higher than those with full private health insurance.

Here are Germany’s biggest private health insurance companies based on the number of insured members. 

Private Health Insurance Company	Total Number of Insured People	People insured in full private health insurance	People insured in supplementary private health insurance
DKV Deutsche Krankenversicherung	4,289,251	682,475	3,606,776
Debeka Krankenversicherung	4,177,453	2,519,223	1,658,230
Allianz Private Krankenversicherung	2,948,565	558,226	2,390,339
Signal Krankenversicherung	2,480,500	623,500	1,857,000
Barmenia Krankenversicherung	2,248,739	308,224	1,920,564
ERGO Direkt Krankenversicherung	1,891,898	51,746	1,840,152
Generali Krankenversicherung	1,849,721	290,123	1,559,598
AXA Krankenversicherung	1,717,278	808,678	908,600
R+V Krankenversicherung	1,669,049	70,712	1,598,337
HanseMerkur Krankenversicherung	1,565,492	300,492	1,265,000

DKV Deutsche Krankenversicherung AG leads the pack with the largest number of privately insured members. Close to DKV at the second spot is Debeka, with 4.1 million private health insurance customers.

Although Debeka is second in the total number of private health insurance members, it’s the top private insurer in Germany in terms of number of customers who have full private health insurance.

Debeka has 2.5 million full private health insurance members, more than twice the number of members (908k) of the insurer in second place (Axa Krankenversicherung).

References

• https://www.alte-oldenburger.de/unternehmen/daten-und-fakten#:~:text=Der+Bestand+an+versicherten+Personen,6+Prozent+auf+53.467+Personen.
• https://www.lkh.de/unternehmen/landeskrankenhilfe/
• https://www.bafin.de/DE/PublikationenDaten/Statistiken/statistiken_node.html;jsessionid=96A39C92B9D9D8E186C4D6351D938C10.internet952