Health insurance 2025: the best companies

Looking for a policy that will realistically shorten doctor queues and give you quick access to diagnostics? Below you will find an overview of 10 companies that offer competitive health insurance in 2025. The listing is for informational purposes and is not an offer - terms and conditions vary between companies, variants and T&Cs. For clarity, we present the companies in alphabetical order and provide practical evaluation criteria. If you are just starting out, see also the cost-benefit analysis of private care.

In the text, we naturally use the keywords: the best companies, health insurance and 2025. In addition, we have linked materials that deepen the topic, such as whether the private insurance pays off and what to look for when choosing.

To objectively compare the best companies, we focus on five pillars: network of facilities and availability of appointments, scope of benefits (consultations, diagnostics, treatments), transparency of limits and grace periods, quality of service (helpline, telemedicine), and cost vs. value. You'll find the details in the T&Cs and benefit catalogs - they're the ones that precisely define when and under what conditions you're eligible for assistance.

List in alphabetical order. Check out the current variants, limits and penalties in each company's T&C 2025. Also take a look at our guide: health insurance 2025.

Packages with broad access to consultation and diagnostics, as well as telemedicine. Clear options and good availability of partner facilities are a plus. Pay attention to required referrals for some tests and limits on specialized services.

Individual, partnership and family options. A structured benefits catalog and a clear distinction between in-network and out-of-network reimbursement. In the T&Cs, you'll often find quarterly reimbursement limits and rules for using the medical hotline.

Expanded health packages with e-visits and access to multiple specialists. Strong focus on digital and assistance services. Check out carnets for selected benefits and annual limits for diagnostics and rehabilitation.

Comprehensive packages with a wide network and clearly described limits. Telemedicine and fast paths to imaging tests are a plus. Dental coverage and any required referrals are worth comparing.

Transparent appointment procedure via hotline and out-of-network cashless billing. Out-of-network reimbursement model with percentage reimbursement and quarterly limit is common - check details in T&C 2025 before purchase.

Wide availability of facilities and extensive packages of outpatient clinics, diagnostics and rehabilitation. There are often carrybacks for some scheduled services. Also check access policies for outpatient procedures and annual limits.

Strong telemedicine and rapid specialist consultations. Look out for reimbursement for out-of-network tests and in-house co-pays, if any. For the active - useful packages of dietary or psychological advice at higher rates.

Specialized company focused on health insurance. Extensive benefit catalogs and a large network of medical partners. Check diagnostic limits and referral policies for advanced tests precisely.

Transparent packages and a wide network of facilities. E-visits and fast tracks to consultations are perks. It's worth comparing limits for rehabilitation, dentistry and vaccinations, as well as waiting times for selected tests.

Health insurance often integrated with assistance and teleconsultation. Availability of primary and specialty care advice scores well. Check required referrals and out-of-network reimbursement limits.

In health insurance, details are key. Many T&Cs include grace periods - e.g., no full coverage for the first few weeks for scheduled services. Out-of-network reimbursement of some costs is sometimes available (e.g., a percentage reimbursement up to a quarterly limit). Some tests require a referral from an in-network doctor. Also, always check quota limits for specific benefits: diagnostic imaging, rehabilitation or dentistry.

Before signing a policy, check the method of making appointments (helpline, app), waiting times and a realistic list of facilities in your area. If you plan to travel or need a policy for administrative procedures, see our comparison to a visa. And if you want to know the broader pros and cons, check out benefits of private Insurance.