If you are officially employed, you must have health insurance. In this case, all HIV services, including ART, are free. The monthly payment for health insurance is 15% of your salary, half of it is covered by your employer. Thus, you are charged only 7.5% of your salary for health insurance.

Private insurance policies exclude pre-existing health conditions such as HIV. There is the option of insuring yourself via the basic tariff of private health insurance. These generally covers all the same benefits as statutory health insurance. There are monthly costs of max. 845 euros, which the insured person must pay themself. This form of insurance is suitable for freelancers, as they have no other insurance option. With a prescription from a doctor, you can get treatment for free at pharmacies. Still, you will have to pay a package tax. It ranges from 5 to 10 euro and depends on the size of the package.