# Self-Pay Longevity in Germany

German statutory insurance (GKV) covers only basic prevention and screening, so almost all longevity diagnostics are self-pay: roughly EUR 150 to 450 for an expanded blood panel, EUR 50 to 150 for a DEXA scan, EUR 150 to 300 for a coronary calcium score, and EUR 800 to 2,500 for a whole-body MRI. The cheap tests carry the strongest evidence, the expensive imaging the weakest. For most people a sensible budget lands around EUR 700 to 1,200 per year, with whole-body MRI reserved for genuinely high-risk cases.

What insurance covers, what comes out of your pocket, and what is actually worth the money

## On this page

- What GKV covers
- Typical self-pay services
- PKV and supplementary insurance
- A sensible strategy

## FAQ

- Does insurance pay for a biological age test?
- Which self-pay investments are most worth it?
- Is PKV worth it just for longevity?
- Does insurance pay for Ozempic or Wegovy for longevity?
- Is there a good Heilpraktiker supplementary insurance?

## Sources

- Gemeinsamer Bundesausschuss. (2025). G-BA Beschluss zur Krebsfrüherkennungs-Richtlinie (Vorsorge-Koloskopie ab 50, geschlechtsneutral). https://www.g-ba.de/
- Bundesministerium der Justiz. (2024). §34 SGB V — Lifestyle-Arzneimittel-Ausschluss (AM-RL Anlage II). https://www.gesetze-im-internet.de/sgb_5/__34.html
- Medizinischer Dienst Bund. (2025). IGeL-Monitor — Bewertung von Selbstzahlerleistungen. https://www.igel-monitor.de/
- Villani A, Shore A, Wasserman JD, et al.. (2016). Biochemical and imaging surveillance in germline TP53 mutation carriers with Li-Fraumeni syndrome (Toronto Protocol). Lancet Oncology. https://doi.org/10.1016/S1470-2045(16)30249-2
- National Comprehensive Cancer Network. (2024). NCCN Guidelines: Genetic/Familial High-Risk Assessment — Breast, Ovarian, and Pancreatic. https://www.nccn.org/guidelines/
- AWMF / Deutsche Krebsgesellschaft. (2025). S3-Leitlinie Mammakarzinom (Früherkennung, Diagnostik, Therapie und Nachsorge), Version 5.0, AWMF 032-045OL. https://www.leitlinienprogramm-onkologie.de/leitlinien/mammakarzinom/
- de Brito LBB, Ricardo DR, de Araújo DSMS, et al.. (2012). Ability to sit and rise from the floor as a predictor of all-cause mortality. European Journal of Preventive Cardiology. https://doi.org/10.1177/2047487312471759
- Bundesministerium für Umwelt, Klimaschutz, Naturschutz und nukleare Sicherheit (BMUKN). (2026). Zweite Verordnung zur Änderung der Brustkrebs-Früherkennungs-Verordnung (BGBl. 2026 I Nr. 53; ausgefertigt 27. Februar 2026, verkündet 4. März 2026, in Kraft 5. März 2026). https://www.recht.bund.de/

_Full guide: https://longevity-austria.com/en/guide/selbstzahler-longevity_

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_Canonical: https://longevity-austria.com/en/guide/selbstzahler-longevity · Part of Longevity Cities · Updated 2026-05-22_