Gothaer

Overview

Gothaer is one of Germany's oldest insurance groups, founded in 1820. Now part of BarmeniaGothaer following the 2023 merger, Gothaer continues to operate its health insurance business under the established brand. Gothaer positions itself as a solid all-rounder — not the cheapest and not the most premium, but offering well-balanced coverage at fair prices. Their MediVita tariff line is well-regarded in independent tests for combining comprehensive benefits with reasonable premiums.

Pros & Cons

Coverage Highlights

• MediVita tariffs covering inpatient, outpatient, and dental care
• Hospital coverage with chief physician and single room in premium tariff
• Dental coverage up to 90% including crowns and implants
• Outpatient care with free specialist access
• Alternative medicine coverage in higher tariffs
• Preventive care and health management programs

Tariffs & Pricing

Gothaer's MediVita tariff range comes in three tiers: MediVita, MediVita Plus, and MediVita Premium. Each tier adds additional coverage. The mid-tier MediVita Plus is often considered the best value, providing strong coverage without the premium price tag. Gothaer also offers supplementary insurance for those who want to stay in GKV but add private coverage for specific areas like dental or hospital.

Claims Process

Gothaer offers digital claims submission through their app and online portal. Processing times are average at 8-12 business days for outpatient claims. Customer service quality can vary depending on your local Gothaer office. The digital tools are functional and improving with ongoing development.

For Expats