How we earn our money
We finance our services on how-to-germany.com through affiliate programs.
When a user orders a financial product through our site and their application is approved, we may receive a commission from some providers. It’s important to note that this does not in any way influence our independent ratings and recommendations.
All the products we present on how-to-germany.com are selected for their quality, range of services, and excellent value for money.
Generali Private Health Insurance
Edited by
Sadie Voss
Content Lead & Editor
Sadie Voss is the Lead Editor for How-to-Germany.com. As an expat who carved her own way into Berlin from the United States, Sadie is deeply...
- English Support: Limited; information and communication are primarily in German
- Digital App / Claims Handling: Digital tools available, including an app for submitting bills, alongside personal advisory support
- Best For: Expats who prefer clearly structured tariffs with defined benefit levels and are comfortable relying on individual advice during the application process
Generali Private Health Insurance Overview
Generali is one of the leading insurance providers in Germany and internationally. Its health insurance offering sits within a broad insurance portfolio that also includes supplementary cover, preventive services, and wider financial protection products.
Generali’s private health insurance German structure is relatively standardized. Compared with highly modular systems, the main differences are driven by plan level and deductible choices, rather than extensive individual customization.
In addition to standard plans for employees and self-employed people, Generali offers tailored tariff variants for specific groups such as doctors, students, and trainees. These variants reflect different career stages and insurance needs, while following the same overall tariff logic.
- Simple 2-tier structure with entry-level and comfort tariffs
- Separate variants for employees, self-employed people, doctors, students, and trainees
- Deductible choices make pricing easier to adjust
- Digital claims submission and access to health support services
- Less flexible than highly modular private health insurance systems
- Sick pay is not included by default
- Entry-level tariffs have reduced benefits in selected areas
- International coverage depends on the selected tariff level
A defining feature is the combination of personal advisory services and digital functionality. Advisory services are typically provided through Deutsche Vermögensberatung (DVAG), which supports customers in selecting suitable products based on their personal situation.
While tariff selection and many product decisions are handled through consultation, Generali also offers digital tools for everyday use. These include app-based claims submission, access to health programs, and medical support services.
Generali’s private health insurance setup is usually advice-driven, especially through DVAG. After setup, digital tools support claims, health services, and day-to-day contract use.
Key Health Insurance Tariffs
Generali health insurance follows a 2-tier structure. It combines lower-cost entry-level plans with more comprehensive comfort tariffs.
The system is consistent across different target groups. The main differences appear in reimbursement levels, access to services, hospital benefits, dental coverage, and deductible choices.
Entry-level tariffs
Entry-level tariffs such as GesundSmart for employees and self-employed people, and GesundSmartA for students and trainees, are designed as lower-cost options.
These plans provide full core private health insurance coverage across outpatient care, inpatient care, and private German dentist insurance treatment. However, selected benefit areas are more limited than in the comfort tariffs.
Typical limitations can include:
- Lower reimbursement for dental prosthetics
- Limited coverage for visual aids
- More basic hospital accommodation
- Multi-bed rooms instead of higher-comfort hospital rooms
Generali’s entry-level tariffs are designed to reduce monthly premiums while still providing full core private health insurance. The trade-off is lower reimbursement or simpler benefits in selected areas.
Comfort tariffs
Comfort tariffs such as GesundPro and GesundProP offer a higher level of coverage. Group-specific variants are also available, including GesundProMed for doctors and GesundProA as a private student health insurance German plan.
These tariffs provide broader benefits than the entry-level options, especially in areas where access, reimbursement levels, and hospital comfort matter.
Typical advantages can include:
- Broader access to specialists
- Higher reimbursement for dental treatments and dental prosthetics
- Improved inpatient treatment conditions
- Specialist treatment in hospital
- 2-bed hospital rooms
- Extended benefits for psychotherapy and visual aids
Generali’s comfort tariffs are aimed at people who want stronger reimbursement, better hospital benefits, and broader coverage for areas such as dental treatment, psychotherapy, and visual aids.
Deductibles and pricing
Within each tariff, predefined deductible levels determine how costs are shared between Generali and the policyholder. Examples include levels such as Pro1, Pro2, and Pro3.
Higher deductibles usually reduce the monthly premium. Lower deductibles increase the level of immediate reimbursement, but generally come with a higher premium.
The deductible mainly affects pricing and cost sharing. It does not fundamentally change the structure of the tariff. The selected plan level remains the main factor defining the scope of benefits.
Overall, Generali’s structure remains consistent: the plan level defines the benefit scope, while the deductible mainly influences monthly premium and out-of-pocket cost sharing.
Sick pay and international coverage
Sick pay, or Krankentagegeld, is not included by default. Privately insured customers need to arrange it separately if they want income protection during longer periods of illness.
Generali also offers a separate supplementary insurance option for statutory health insurance members who want to cover income loss due to illness.
Germany Schengen visa requirements frame international coverage on the selected tariff. Entry-level plans typically cover shorter stays abroad, while higher-tier tariffs may provide extended protection for longer stays, including medical repatriation.
- Longer international protection may be available
- Medical repatriation can be included depending on the tariff
- Useful for people who travel regularly
- Coverage abroad varies by tariff
- Entry-level plans may only cover shorter periods
- Separate international German travel health insurance may still be needed for longer trips
Expat Reality Check
- Structured Tariff System with Clear Cost Control: Consistent plan logic combined with predefined deductible levels makes pricing and cost sharing predictable
- Advisory and Information Combined: Comprehensive information is complemented by individual consultation during tariff selection
- Strong International Coverage: Up to 12 months of worldwide coverage in higher-tier tariffs, including medical repatriation
- Attractive Refund Options: Contribution refunds of up to several monthly premiums in higher-tier tariffs
- Digital and Health Services: App-based claims handling combined with health programs and medical support services
- Limited English Support: Most communication and documentation are primarily available in German
- Less Modular Flexibility: Compared to modular systems, customization options are more limited
- Dental Limits in Entry Plans: Lower reimbursement levels and capped benefits in entry-level tariffs
Dental and Vision Coverage
Dental benefits follow a tiered structure across Generali’s private health insurance tariffs. Core treatments and preventive care are fully covered across all plan levels. Differences mainly apply to prosthetics such as crowns, inlays, and implants, with reimbursement set at around 70% in entry-level plans and increasing to around 90% in comfort tariffs. As is standard, reimbursement for more extensive procedures is subject to initial benefit limits in the first years.
Vision benefits are explicitly defined and vary by tariff. Entry-level plans include allowances of around €100 over two years, while higher-tier tariffs provide up to €300 within the same period. Coverage typically includes visual aids such as glasses and contact lenses and may also extend to procedures such as LASIK surgery.
In its supplementary insurance products for those with public insurance, Generali combines dental and vision coverage within its “Plan” tariffs. These packages bundle multiple benefits, such as prosthetics, visual aids, and travel coverage, into a single policy.
Alternatives to Generali Private Health Insurance
Traditional private health insurers are mainly differentiated by the complexity of their tariff systems and the flexibility they offer within predefined coverage levels.
- Allianz: Highly modular tariff system with extensive configuration options and a wide range of add-ons
- AXA: Broad and differentiated tariff structure with multiple performance levels and detailed customization
- Debeka: Strong focus on long-term premium stability with internally developed tariff systems and consistent benefit design
Digital providers focus on simplified access, English-language support, and fully digital handling of applications, contracts, and claims.
- ottonova: Digital insurer offering full private health insurance plans with app-based management across the entire customer lifecycle
- Feather: Provider with English-language support and a focus on accessible private health insurance solutions for expats
- Getsafe: Digital-first model combining a streamlined user interface with private health insurance products provided through partners such as Allianz and Hallesche
Generali combines structured tariff levels with a strong advisory component, supported by digital tools but with a lower degree of modular customization than some competing systems.
Conclusion
Generali private health insurance follows a consistent tariff model in which plan level and deductible primarily determine both benefits and pricing. Differences between entry-level and comfort tariffs are easy to identify without requiring extensive configuration.
Rather than offering a wide range of selectable modules, the structure remains fixed, with adjustments made through predefined plan variants and cost-sharing levels. At the same time, both tariff levels provide solid benefit levels, with higher-tier plans expanding on this foundation rather than introducing a fundamentally different coverage concept.
For expats, Generali is suitable for those who prefer a predictable framework with transparent differences between plans. Personal consultation plays a central role in tariff selection, complemented by digital tools for claims handling and ongoing administration, although most communication remains in German.
Frequently Asked Questions
Yes, Generali provides tailored tariff variants for different groups, including employees, self-employed individuals, doctors, students, and trainees. These plans follow a consistent structure, with differences mainly in positioning and pricing rather than entirely separate benefit systems.
Generali uses predefined deductible tiers (Pro1 to Pro3) within each tariff, rather than allowing fully flexible selection. These levels are directly linked to the premium and define how much of the annual healthcare costs must be covered before the insurer begins reimbursement.
International coverage depends on the selected tariff. Entry-level plans typically cover shorter stays abroad, while higher-tier tariffs extend coverage for longer periods and include benefits such as medical repatriation.
81737 München