Why Munich is a PKV hotspot
Munich is home to one of Europe's largest concentrations of high-earning international professionals.
Major employers include:
- Tech companies (Google, Apple, Microsoft, Amazon, BMW, Siemens)
- Financial institutions
- Consulting firms (McKinsey, BCG, Bain)
- International organizations and startups
Salaries in Munich commonly exceed the €77,400 JAEG threshold, making most professionals eligible for private insurance.
Local, English-speaking expertise
Our office is located in the greater Munich area (Wolfratshausen, 30 min south of Munich).
We offer:
- In-person consultations — at our office or at your workplace
- Video consultations — for maximum flexibility
- Complete English-language support — from initial analysis to ongoing claim assistance
No German language skills required. Every document, conversation, and question can be handled in English.
Why healthcare quality matters in Munich
Munich has world-class hospitals and specialists. With private health insurance, you get:
LMU Klinikum
Chief physician + private room
Rechts der Isar
Priority scheduling
Specialists
Direct access, no referral
Short waiting times
Days instead of weeks
The Munich expat advantage
Expats arriving in Munich typically have several factors working in their favor:
- High starting salaries — often exceeding the JAEG from day one
- Young age at entry — locking in the lowest possible premiums
- Good health — no pre-existing condition surcharges
- Employer subsidies — Munich employers are accustomed to processing PKV subsidies for international staff
Common expat scenarios in Munich
Just arrived with a tech job
If your contract shows annualized income above €77,400, you can enter PKV immediately. No waiting period.
Currently in GKV, salary increased
Once your income exceeds the threshold, you can switch — typically from January 1 of the following year. We handle the entire process, including GKV cancellation.
Freelancer in Munich
No income threshold applies. You can switch immediately regardless of revenue.