PrEP Costs in Germany: Insurance, Self-Pay, and What to Expect

The question of costs is often the first thing that puts people off thinking about PrEP. The good news: in Germany, there are several routes — depending on your insurance situation.

Statutory health insurance (GKV)

Since 1 September 2019, PrEP has been covered by statutory health insurance in Germany under certain conditions, based on § 20j SGB V. Coverage applies to people with an elevated risk of HIV infection, provided a doctor prescribes it and documents the indication. This includes ongoing monitoring (regular check-ups, lab tests).

In practice, this means that for GKV (gesetzliche Krankenversicherung) members, the medication, consultations, and monitoring tests can be accessed at little or no personal cost.

Private health insurance (PKV)

For privately insured people, the situation is less clear-cut. Whether and how PrEP is covered depends heavily on your specific tariff. Some PKV plans cover it; others don't. It's worth asking your insurer directly before assuming costs are your own.

Paying out of pocket

If you're paying yourself, costs include:

• Doctor's consultation fee
• The medication itself
• Laboratory tests

Since the patent on Truvada® expired, generic versions of TDF/emtricitabine are available in Germany at considerably lower prices than the original. Exact costs vary by pharmacy and provider.

Where to start if you don't know a PrEP clinic

Resources like the Deutsche Aidshilfe, local checkpoints, or digital providers like Allo Care can help you find the right path — regardless of whether you have GKV, PKV, or are self-paying.