Private vs. Public Health Insurance?

Private vs. Public Health Insurance? You're Asking the Wrong Question.

As an Indian professional living in Germany, you’ve probably wondered:

👉🏽 “Should I go with private or public health insurance?”

But here’s the truth:
That’s not the real question.
The right question is:
What kind of protection do I want for my health, my income, and my future?

💡 It’s Not About “Private Room” or “Top Doctor”

When people talk about private health insurance (PKV), they often think of comfort.
But the real benefit isn’t luxury – it’s about predictability, financial security, and medical access when it truly matters.

💰 High Income? High Risk in the GKV

If you earn €6,000 net or more, you’re paying a massive monthly contribution to the public system (GKV). But what do you really get?

🔹 Sick leave: After six weeks, you get about €3,500 gross per month – even if you earned €6,000 net.
🔹 Disability risk: If you suffer burnout or other mental health issues, the GKV offers no long-term income protection.
🔹 Retirement: You pay thousands into the system but build no private assets for later. You’re funding others – not your future.

🧠 The Real Question: Do You Have a Plan?

High-earning expats don’t need just a health insurance – they need a strategy:

✅ Financial protection if you’re too ill to work
✅ A plan in case of long-term disability
✅ A pension strategy that fits your goals
✅ Access to the best possible medical care

🧘🏽‍♂️ “But I’m healthy...”

That’s exactly why now is the best time to act.
Once you’re no longer healthy, it might be too late to switch to private insurance – or only possible with exclusions and higher premiums.

🇮🇳 For Indian Expats in Germany

We see this every day:
Indian professionals are overpaying for a system that wasn’t designed for them.

You’re young, healthy, well-paid – but stuck in a structure that doesn’t reward you for any of that.

In many cases, a switch to private health insurance is not only smarter – it’s actually cheaper long-term.

❗ Don’t Ask “PKV or GKV?”

Ask instead:

1. What happens to my income if I get sick long-term?

2. Who protects me if I can’t work for months – or years?

3. Will I get the best treatment if something serious happens?

4. And: Am I building anything for myself, or just paying into a system that doesn’t support me?

🙋🏽 Let’s Build Your Personal Health & Wealth Plan

At NEOdirect, we don’t just sell insurance.
We help Indian expats in Germany build real financial protection – with free, independent advice in English.

👉 Book your consultation now – before it’s too late.
Because the best healthcare decision starts before you get sick.