CT or MRI? Key Differences and Costs in the German Healthcare System
Many people get confused when they hear about CT (computed tomography) and MRI (magnetic resonance imaging). Both are used to visualize structures inside the body, but they differ greatly in terms of technology, indications, safety and price.
| Aspect | CT (Computed Tomography) | MRI (Magnetic Resonance Imaging) |
|---|---|---|
| How does it work? | Uses X-rays (Röntgenstrahlen) | Uses a strong magnetic field and radio waves |
| Examination time | Fast (a few minutes) | Longer (about 15 to 45 minutes) |
| Noise level | Relatively quiet | Very loud, usually requires ear protection |
| Radiation exposure | ✅ Yes (ionizing radiation) | ❌ No radiation |
| Condition / body region | Usually preferred |
|---|---|
| Emergency trauma (accidents) | CT |
| Brain and spinal cord | MRI |
| Spinal problems | MRI |
| Lungs or abdomen | CT |
| Tumors and soft tissues | MRI |
| Bones and tiny fractures | CT |
| Type of scan | Price for self-payers | Coverage by statutory health insurance (GKV) |
|---|---|---|
| CT | 250–400 euros | ✅ Covered if there is a valid medical indication |
| MRI | 400–800 euros | ✅ Covered if there is a valid medical indication |
Note: These prices refer to private services for self-payers (Selbstzahler) without insurance coverage.
If you have a referral (Überweisung) from a physician, the statutory health insurance (GKV) usually covers the full cost of the examination.
MRI is generally considered safer because it does not use ionizing radiation. However, it is not suitable for people who have certain metallic implants or devices, such as:
pacemakers
metal fragments or shrapnel in the body
CT involves exposure to X-ray radiation and is therefore used with caution, particularly in children and pregnant women, where the benefit must clearly outweigh the risk.
| If you … | The more suitable option is usually: |
|---|---|
| need very rapid imaging after an accident | CT |
| suffer from chronic back pain or recurrent headaches/brain issues | MRI |
| are afraid of enclosed, narrow spaces (claustrophobia) | CT (the scanner is typically shorter and feels less confined) |
| have a metallic medical device implanted in your body | Usually CT |
The editorial team of the website strives to provide accurate information based on thorough research and the consultation of multiple sources. Nevertheless, errors may occur or some details may remain uncertain. The information contained in this article should therefore be regarded as an initial point of reference only. For definitive, binding information you should always consult qualified medical professionals and the competent authorities.
