Morgan Price health insurance for Germany and abroad
Flexible cover. Personal advice. Ongoing support.
Excellent international health cover, matched to your life. We compare Morgan Price plans, premiums and excess options — with personal advice in English.
Private hospital care · Flexible benefits · Personal claims support
What would you like to know?
Living in Germany
Find out whether Morgan Price fits your residence, work and insurance situation.
Living or working abroad
Choose your area of cover and check what a move means for your policy.
Pre-existing conditions
Understand the application options if you have a diagnosis or take medication.
Morgan Price health insurance in Germany: is it right for you?
Morgan Price can provide international private medical cover for eligible residents in Germany. Whether it meets your own insurance obligations depends on your work, residence status, previous insurance and the policy offered.
We check three things before you apply:
- Are you required to join Germany’s statutory health insurance system?
- Does the proposed policy meet the insurance requirements that apply to you?
- What proof does your employer, university or immigration authority need?
European authorisation alone does not answer these questions. We help you clarify them before you change your existing cover.
Check whether Morgan Price suits my situation →
Background: section 193 VVG and section 146 VAG (German), plus our guide to German health insurance.
International cover for life and work abroad
Morgan Price offers cover for Europe, worldwide excluding the USA, or worldwide including the USA. We help you choose the area that fits your life and travel plans.
Cover area and residence are different. Worldwide benefits do not automatically make you eligible to live in any country under the same policy. The Germany-specific Evolution Health policy is intended for people primarily resident in the European Economic Area.
Tell us where you live, where you plan to move and whether you need US cover. We check the terms before recommending a plan.
Compare three popular Morgan Price plans
Shared example profile: age 30 · resident in Germany · Europe including Germany · €250 annual excess · monthly payment · start 1 January 2027.
These are example premiums, not a personal quote. Application conditions and benefit limits below the cards ↓
Standard Plus
Lower-cost entry
with private hospital care
€101.11
per month · example premium
- Single-room hospital stay
- Private medical treatment
- Doctor visits & medicines¹
Up to €2,500 - Osteopathy & other therapies¹
Up to €500 - Dental cover
Accident-related cover - Overall benefit limit
€750,000
Comprehensive
Balanced benefits
including routine dental care
€171.91
per month · example premium
- Single-room hospital stay
- Private medical treatment
- Doctor visits & medicines¹
Up to €5,000 - Osteopathy & other therapies¹
Up to €1,000 - Dental cover
Routine dental: €750² - Overall benefit limit
€1,000,000
Premium
Higher benefit limits
for more extensive cover
€391.96
per month · example premium
- Single-room hospital stay
- Private medical treatment
- Doctor visits & medicines¹
Up to €10,000 - Osteopathy & other therapies¹
Up to €1,500 - Dental cover
Routine dental: €1,000² - Overall benefit limit
€1,500,000
Example premium conditions and benefit limits
Application basis: moratorium application with pre-existing conditions initially excluded; no additional optional outpatient co-insurance. Your personal quote depends on your age, residence, cover area, excess and application details.
¹ Outpatient and therapy limits: Limits apply per person and insurance period. Doctor visits, prescribed medicines, diagnostic tests and covered outpatient chronic conditions share the stated outpatient budget. The separate therapy limit covers eligible treatments such as osteopathy and acupuncture. Policy terms, exclusions and any required approval apply.
² Routine dental benefits: six-month waiting period and 10% co-payment. The stated sums are benefit limits, not guaranteed payments for every treatment.
Choosing an excess: compare the annual premium plus the amount you would pay yourself. A higher excess can reduce the premium, but you should be able to fund it if you need treatment. We show you the options in your personal quote.
A practical plan choice: hospital comfort or everyday benefits?
The situation
A self-employed consultant wants a single hospital room and routine dental cover. She sees her doctor occasionally and wants a balanced monthly premium.
All three compared plans include single-room accommodation. That benefit alone does not explain the extra cost of Comprehensive or Premium.
The useful distinction
Comprehensive adds routine dental benefits and a larger outpatient budget than Standard Plus. Premium increases those budgets further.
We compare the benefit she is likely to use with the additional premium and the policy limits. The most expensive plan is not automatically the best fit.
Morgan Price experience — and support beyond the policy
Morgan Price is our longest-standing and most popular product partner. We value the service and help you make full use of your cover — from choosing the plan to dealing with a claim.
Medigo is the claims administrator in Berlin. We help you and Medigo with documents, reimbursement questions and communication with German doctors and medical facilities.
Ferdinand Steiner
Insurance broker at FinanzSchneiderei
Your adviser before and after you apply
1. Find the right cover
We analyse your situation and check whether Morgan Price is suitable. Together, we compare plans, choose the excess and cover area, and prepare your application.
2. Get your policy in place
We guide your application through to policy issue, help resolve questions and explain the offer. You know which benefits, exclusions and conditions you are accepting.
3. Keep personal support
We remain your contact for renewals and claims, working with Medigo. If you want or need to return to German health insurance, we help you examine the available route.
Pre-existing conditions: choose the right application route
Morgan Price offers different ways to assess medical history. A simpler application does not mean that an existing condition is covered.
Moratorium application
You do not complete the same detailed health questionnaire as under full medical underwriting. Pre-existing conditions are initially excluded and can only become eligible if the policy’s symptom-, treatment- and medication-free requirements are met.
Full medical underwriting
You answer health questions before the insurer decides on your application. The offer explains whether a condition is accepted, excluded or subject to special terms.
Taking medication? A practical example
Someone whose blood pressure is stable on medication may prefer a medical assessment before applying. Feeling well does not mean the condition is covered under a moratorium.
We check the medication-free requirements with you and explain the available application routes before you decide.
Get your personal Morgan Price quote
Tell us what you need and get personal advice in English. Your enquiry is not an insurance application.
Prefer to speak to us?
+49 821 907 86 440
Talk to our English-speaking team.
We help you choose the right cover.
Questions about benefits and using your cover
Does Morgan Price cover pregnancy and childbirth?
Routine pregnancy and childbirth are not covered by Comprehensive. Premium includes a €7,500 benefit for normal pregnancy and childbirth, subject to a ten-month waiting period and prior approval.
Cover for specified complications is a separate benefit. If you are planning a family, we compare the relevant limits and waiting periods before you choose a plan.
Can I use my own doctor or hospital?
The plan uses a network of healthcare providers. This means doctors and clinics that work with the claims service. Treatment outside that network needs approval in advance; certain treatments, including planned hospital stays, also require prior approval.
Before booking, send us or Medigo the provider’s details and proposed treatment. We help clarify the next steps and any payment arrangements, so you know what to organise before treatment.
Is it a monthly policy if I pay monthly?
No. The Evolution Health Plan is an annual insurance contract; monthly payment is an instalment arrangement. Renewal terms and premiums can change at the annual renewal date.
Cancellation and any refund depend on the policy terms and whether a claim has been made. We explain the applicable conditions before you apply and support you at renewal.
Who is behind Morgan Price health insurance?
Morgan Price (Europe) ApS administers the Evolution Health Plan. The April 2026 policy wording identifies SI Insurance (Europe), SA, Luxembourg, as the insurer carrying the insurance risk.
This distinction helps you know who does what: Morgan Price manages the product and policy, while the insurer provides the contractual cover.
Your local point of contact
FinanzSchneiderei is your insurance broker in Germany. We compare the options, support your application and remain available when questions arise during the policy.
The full Evolution range also includes Standard and Elite. We focus the comparison above on Standard Plus, Comprehensive and Premium to make the main differences easier to see.
Policy documents and further information
The documents for your country of residence determine the applicable terms. The English EU wording below is a general reference; residents in Germany have separate policy wording.
- Evolution Health EU — table of benefits (English, April 2026, PDF)
- Evolution Health EU — general policy wording (English, April 2026, PDF)
- Policy wording for residents in Germany (German, April 2026, PDF)
- Official document library and current application forms
We provide the documents that apply to your offer and explain them in English. Your certificate, benefit schedule and individual endorsements are also part of your contract.
Letzte Aktualisierung am 20.09.2026
