Articles

At Surenest, we live and breathe health insurance. In this section, you will find guides on statutory, private and supplementary health insurance in Germany, with the numbers and the sources behind them.

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  Do I need Travel Health Insurance for Germany? A guide for every visa type

  Need travel health insurance for your Germany visa? See exact requirements for tourist, student, work, Ausbildung, freelance & family visas.

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  TK or PKV: which is right for you?

  Unsure whether to stay with TK or switch to private health insurance (PKV) in Germany? Compare costs, benefits, and key rules to make the right choice.

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  When is a switch to PKV problematic?

  Six profiles for whom a move to private health insurance deserves careful thought before switching.

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  Is PKV a trap in old age?

  We compare PKV and GKV over 20 years using two model profiles, and let the data settle the myth.

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  Going freelance in Germany

  What happens to your GKV or PKV when you go self-employed, what you'll pay in 2026, and the sick-pay gap nobody mentions.

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