Doctors & Dentists

Appointments, visits and insurance refunds

Doctors & Dentists

In Germany there are numerous types of doctors, from general practitioners (Hausarzt) to specialists such as cardiologists, dermatologists, etc.

How to book an appointment

Most people have a Hausarzt as their family doctor, who will make referrals to a specialist if necessary. You can also visit a specialist without first consulting your family doctor.

If you have German health insurance, your insurance company will give you a plastic ID card (Krakenversicherungskarte) which you need with you when you visit a doctor. This card contains a chip with your personal data which the doctor's secretary will screen on your first visit. Statutory health insurance accreditation (Kassenzulassung) means that costs will always be covered by the insurer.

If you are state insured, the doctor will send his bill directly to your insurance company. You will also be charged a fee of €10 for your first visit every quarter, payable in cash. If you have a private insurance, you pay and are then reimbursed by your insurance company.

Note that some doctors only treat privately insured clients. If you have state insurance, make sure you check this when making an appointment. Doctors who accept state payments generally display a sign Kassenarzt or Alle Kassen in their surgery. If you're treated by anyone other than a Kassenarzt, you will not be reimbursed by the state insurance scheme. See our section on health insurance for further details.

It is always recommendable to make an appointment as waiting times can be long. If you need urgent help, you go without an appointment during office hours, but expect to wait. Otherwise you may have to wait several days or even weeks, especially to consult a dentist or specialist. Even with an appointment, you will find you probably have to spend some time waiting. Normal surgery hours and appointment times can differ considerably but are usually every morning, but not every afternoon. Few surgeries open on Saturdays and on Sunday. During holiday times most doctors have a locum in to cover for them.

Names and addresses of doctors can be found in the local telephone directory, specialists are listed in the yellow Pages (Gelbe Seiten) under Ärzte. You are free to choose which doctor you wish to go to. Note that German doctors are not particularly open to discussions and questions about your treatment, but expect you to follow their recommendations.

Regular preventative medical check-ups are recommended, in particular for young children and people over 35 years. You should also visit the dentist regularly. Doctors, hospitals and health offices provide information on preventative check-ups.

Medical attention in other languages

Some doctors will speak basic English but if you want to be sure the best advice is to consult your embassy or local consulate. They usually make lists of foreign language speaking doctors available to their citizens.

Another option is to get an expat-focused private health insurance (if you are eligible) with a network of English-speaking doctors. For instance, ottonova  provides appointments and video calls with English-speaking doctors and a personal counsellor to answer your questions.

Regardless whether you have health insurance or not, you can use Air Doctor , a mobile application to quickly find trusted specialists who speak your language.


Recent reforms in the state insurance system have greatly reduced the cover for dental treatments. Even with private insurance, you may not be fully reimbursed for every type of treatment as statutory health insurers only cover basic dental care. When choosing a dentist, check with your insurance company the exact details on reimbursement. Consider getting a written estimate of all costs from a dentist before accepting treatment.

Since dental costs in Germany are extremely high (a set of dentures can cost up to €4000!), many foreigners schedule dental visits during their trips home. Due the recent cuts in insurance schemes, some Germans even travel to other European countries for treatment. As treatment will probably be cheaper at home, so get a full check-up before coming to Germany. If you don’t have additional dental care, expect to pay between 30 and 80% of your dental treatments.

Here is the search engine  of the National Association of the Statutory Health Insurance Dentists.

Alternative cures

Many doctors have additional specialisations in natural cures such as acupuncture, ozone therapy and homeopathy. Health insurance companies have recognised the efficacy of such treatments and cover some costs when treatment is given by a registered doctor.

If this interests you, compare how different health insurance companies support alternative medicine. You should also contact your insurer before you start treatment to check whether and how much of the cost is covered.

Health insurance - state or private - generally does not cover treatment by a homeopath or alternative practitioners. If you want such treatment, you should see a registered general practitioner that offers these services.

Further reading

Does this article help?

Do you have any comments, updates or questions on this topic? Ask them here: