expat health insurance germany

Of course nothing is perfect and the same is true for public health insurance in Germany, otherwise people wouldn’t need private health insurance. Also find out if human resources at your company has a private medical group policy for managers, which could be a good alternative. Temporary visitors from outside the EU member area may also be able to claim state healthcare under reciprocal agreements with their home country. Unlike state healthcare services, there is the prospect of being out-of-pocket for a while after any treatment. While Germany has long been an attractive country for working expats, retiring in Germany is still a fairly new idea unlike in nearby countries such as France, Spain, and Portugal. If you are here on a limited permit and plan to stay in Germany less than five years – or simply not sure how long you'll be here - we also offer a special Expat tariff, which provides premium coverage to keep you healthy and happy throughout your stay in Germany. If you’re self-employed you’ll need to arrange your own registration with a German health insurer. Both EU and non-EU nationals working in Germany are subject to compulsory state health insurance (known as statutory sickness insurance, or gesetzliche Krankenversicherung, GKV). Expat health insurance is also called incoming health insurance. So before you pick an insurance plan, let’s recap. Expat health insurance: Expatica’s guide helps you find the best expat health insurance with these five tips. There is however a gray area for foreigners in Germany who plan to live there for up to 5 years. When you arrive in Germany, you must switch to public or private health insurance as soon as possible 1, 2, 3, 4. There are some exceptions for certain occupations. You have to pay extra for each of them. As a result, recommending a specific company for public health insurance is difficult. There are two types of health insurance in Germany: statutory health insurance and private health insurance. Away from the more specialist areas, state healthcare policies cover most types of medical treatment. Click below to consent to the use of this technology on our website – and don’t worry, we respect your privacy. Ottonova is a private health insurance provider that can be much more affordable than your classic private health insurance providers in Germany. Private health insurance in Germany typically offers more extensive services and lower waiting times. But you do have other choices through ERV, for example. Here are a few ways to check if you have coverage for your time spent in Germany. Typically, you can choose the level of your excess or deduction fee, where you opt to pay up to a certain amount each year (Selbstbehalt)for your treatments. If you have private health insurance that covers you for inpatient and outpatient care, this might be enough, even if your policy isn’t licensed in Germany. Normal annual travel insurance for trips of up to six weeks are extremely cheap in Germany and cover much more than you usually get on the international market. Worldwide: +44(0)1475 777625 United States: 877.539.6295. International Health Insurance in Germany. If you get private health insurance and you’re healthy and younger than 30, you can get private health insurance for under 250 Euros a month. There are a number of private health insurance companies operating in Germany. In general, employers deduct 14.6% of your salary for public health insurance and 3% for long term care insurance. If you’re an exchange student enrolled in a university in Germany, you must have either private or public health insurance. Long term care can be very expensive, especially if you have no family members to help you. You may, however, be charged additional costs for some of the paperwork involved in giving birth. By law, all German residents must be insured for hospital and outpatient medical treatment, and it is mandatory to show proof of health insurance when applying for a German visa. This guide explains what to arrange for retirement in Germany. Public health insurance provides sufficient coverage in the EU, but not for any other countries. Basically, the coverage for major procedures is only 50% of any standard treatments. This means you can transfer your pension the Social Security system of your home country if you have public health insurance in your home country. Most likely, you can’t do this if you’re an exchange student in Germany. GKV maintains an updated list of all state German insurance companies, where you can compare health insurance rates. If not, you still have plenty of options for public and private health insurance in Germany. Your choices will not impact your visit. It’s called incoming insurance, and it’s perfect if you’ve recently relocated to Germany, but can’t sign up for public health insurance right away. Which expat health insurance do you need for your situation? Or you can get insurance for sick days separately through a supplementary medical insurance plan. Expat health insurance is cheaper than public and private health insurance, but it's not as good: Get travel insurance before traveling to Germany, which you need to get a German visa anyway. But the website is only available in German. You may come across people in Germany who recommend private health insurance over public health insurance, but be careful. Now the question is: Do you want to buy private health insurance if you can get full coverage through public health insurance? If you have private health insurance, keep it. Premiums are based on personal factors and prices increase with age, health risks, and added family members. Also, if your employer offers supplementary private health insurance in addition to public health insurance, then this might be worth considering. Deductions from your salary are automatic. You can find the student rates from all different health insurance companies on Krankenkassen. Ottonova targets expats specifically, offering them 24/7 English support (via phone and online chat) and easy paperless registration. The contribution rate varies between insurers (from around 0.3–1.%), and it is payable by the employee based on a percentage of their income. So only big companies with enough high-income employees can get a group policy. On the other hand, if you are making over that amount, it might be better to get private health insurance from Cigna. Apart from supplementary group medical insurances, private medical group insurances are very rare, but possible to get if you run a company in Germany. If you have any pre-existing conditions you may end up with an extra fee or even an exclusion. Another issue can be that for small groups, all employees need to have the same benefits, which can be challenging to set up. But if you’re employed then you may check with your company if they have a supplementary medical group policy in place. If you’re young with few health issues and have sufficient income, switching to private insurance is a viable option. Another 18.6% goes to your pension and 2.5% goes to unemployment insurance. Each year your statutory health insurance company checks your income by checking your income tax report. Which cookies and scripts are used and how they impact your visit is specified on the left. Senior expat health insurance plans cover those above the age of 74. If you want to move to and live in Thailand hassle-free, become a subscriber. German public health insurance includes inpatient care at your nearest hospital and out-patient care from doctors. If you are working in Germany and make less than 5,062.50 Euros a month, get public health insurance. State health insurance includes sickness benefit, with your employer paying your wages for up to six weeks. If you’re a EU citizens, you can prove your insurance through the European Health Insurance Card. Several British travellers reported on social media that they were unable to return home to Germany, despite having evidence of a work contract, German tax number and health insurance … Also, the shared premium is just for you, the employee, not for your family members. This happens at no cost to you and helps me cover some of the expenses of running this website. Finding the right insurance provider in Germany can be difficult for expats, so defining your needs is the first step. You could also get a refund on part of your pension if you work in Germany for less than five years. For each quarter of the year you seek medical help, you’ll need to pay a one-off charge of €10. Sick-day allowance insurance limits you to 70% of your last income under public health insurance and applies to employees and self-employed voluntary members. But if you’re not a EU citizen, you need private health insurance. If you’re freelancer, self-employed, or business owner, you must choose between voluntary getting public health insurance or signing up for private health insurance. Private health insurance companies increase their premiums once in a while as well. But you may have insurance with worldwide coverage and therefore Germany might be covered within the limits of your existing insurance plan. Once you are a resident in Germany, it is compulsory to register with either a statutory German health insurance scheme (gesetzliche Krankenkasse, GVK) or a private insurance scheme (private Krankenversich… Technically, anyone can buy these plans: students, retirees, freelancers, and so on. State health insurance typically covers the basic costs of pregnancy and childbirth. It costs around €10–20 per month, although better coverage or lower co-payments will incur higher premiums. Travel insurance has to cover you with a minimum of 30,000 Euros. But your choices for insurance depend on your case. Expat health insurance There’s actually one more type of insurance to explain, and it’s the most relevant if you’re a freelancer, job-seeker, or language school student right now. If you make over 5,062.50 Euros a month or you’re a young startup entrepreneur, private health insurance may be a good choice. This means the state is likely to only offer partial coverage for major dental work. All foreigners living and working in Germanycan access subsidized state healthcare, but it is mandatory for all residents to have some form of health insurance. If you’re self-employed, your choice of insurance depends on the health insurance you had before you moved to Germany. If you earn more than that, consider purchasing additional sick pay insurance. But this doesn’t apply to all regions and for all specialist and treatments. Your employer pays up to €69. If you’re self-employed and make 5,062.50 Euros a month, 14% of your income goes to health insurance and 3% goes to long term care insurance. These basic services are available across the board, but if you want private medical care or your own hospital room you’ll need an additional private healthcare plan. If you had private health insurance in your home country then you need to get private health insurance in Germany as well. Skip to the Private Health Insurance section to find out more. If you move to Germany temporarily and have insurance that covers you in Germany for inpatient, outpatient, and emergency evacuation, you can keep this plan. If you retire in Germany and have had public health insurance within the EU before moving to Germany, then you can switch to Germany’s public health insurance. Even though the website is in German, English inquires are okay. If you are basically in good health, you should try to purchase suitable benefits plans from a German private health insurance company willing to accept non-Germans. They may even force you to buy licensed insurance. The contribution rate in Germany for state health insurance decreased in 2015, from 15.5% to 14.6% of net income. By checking this box, you agree to receive newsletter from ExpatDen. German health insurance providers include: You can compare private health insurance providers in Germany and get free quotes on our special health insurance page, and with the following tools from GKV and PVK (in German). Online portals are good for getting a reference or overview of options. As an expat, you have an alternative to the German health insurance system. Previously, self-employed people paid their contributions based on projected monthly earnings of €2,284 – meaning lower earners had to pay unreasonably high premiums. Your insurance fund must notify you of any changes to their contribution charges. If you’re not employed and plan to stay in Germany up to five years, you can get insurance through an offshore company if it meets the standards of Germany’s laws. Up to age 25, those in full-time education can be covered for free under their family’s health insurance. This is called familienversicherung in German. Learn how your comment data is processed. That someone is you. They have a wide access to trusted hospitals, clinics and doctors and provide expats with help on tailoring a plan to suit your individual healthcare needs. Expat Health Insurance in Germany . It’s worth checking with your home country’s social security health insurance for any coverage you may have while traveling in the EU, if you’re an EU citizen. If you work in Germany temporarily, you can apply for a refund on part of your pension after 24 months have past since the last payment was been made. Expats who have a residence permit or a fix-term permit for more than twelve months come under this law. This is because rates for the public health insurance are based on income rather than age and personal medical history. If you can get private health insurance, keep in mind that your employer still has to pay half of the premium of any standard plan. Menu ; Search... Close . The most popular plan would be the Cigna Global Medical plan as it offers a wide range of plans and a modular plan design allowing US Expats to design a … You don’t cancel the public health insurance in your home country. Germany Expat Health Insurance Eligibility . You may be surprised to know that if you come from the European Union, you may already be covered. Our digital insurance agent will help you get the right insurance policies for your need. But some companies have these policies in place and cost about 10% less than comparable individual policies. If you have public health insurance you’re supposed to first go to a general practitioner, who then refers you to a specialist if needed, but this isn’t mandatory anymore. If you’re an expat who works in Germany, your have limited choices for insurance and most likely you’ll be insured through Social Security. All foreigners living and working in Germany can access subsidized state healthcare, but it is mandatory for all residents to have some form of health insurance. Health Insurance Options in Germany - 2020 by howtogermany.com Pros and Cons of Private vs Public German Health Insurance by thegermanyeye.com * … It is one of the world’s oldest social health insurance systems, dating back to the late 1880s. Disclaimer: This article may link to products and services from one or more of Expat Den’s advertisers. Anyone traveling to Germany and European Union, or EU, has to have valid medical insurance. Allianz, even though a bit more expensive, has a good reputation when it comes to paying debatable claims. He left his stable government office job and traveled the world until settling in Shanghai, China. You get public health insurance straight away. In this case, you can use your existing health insurance if it covers Germany and covers inpatient and outpatient care and emergency assistance and evacuation. In some cases, you may be subject to a co-payment (Zusatzzahlungen) towards the costs of treatment and prescription drugs. Unless, of course, you have health insurance that covers you in Germany. However, unlike state health insurance, private insurance does not typically cover children and partners for free. Depending on your needs and situation, supplementary medical insurance may or may not make sense for you. Are you an expat, exchange student, EU citizen, retiree, freelancer, or business owner living in Germany? This site uses Akismet to reduce spam. In addition to more specialist treatments and better accommodation, you’ll have access to doctors who restrict their practices to private patients. These insurance companies may be what you’re looking for. If you are voluntarily insured in Germany, you will make your move here easier by getting expat health insurance. You may want a higher limit for at least two reasons. I am working in Germany since last many years and have niederlassungserlaubnis. If you’re studying in Germany at a state-approved university or education institution, you’ll need to pay a premium for health and nursing care. Otherwise, dental insurance in Germany is either a supplement to your health insurance plan or a stand-alone form of insurance. Quickly Find The Best Expat Health Insurance For Germany. But don’t worry, you will get the bill eventually. The vast majority of German workers remain on the state German health insurance system, but it is possible to take out more extensive private health insurance in some circumstances. This may only apply to coverage for accidents and emergencies. Around one-in-10 residents opt for private health insurance in Germany. If you are an EU citizen, you are covered by your European Health Insurance Card (EHIC) for temporary stays. Since this article is about health insurance in Germany, we didn’t cover other topics too deeply. For either of the transfer or refund options above, you must apply for it but your former company may help you. You can use it to apply for a visa.Â. It’s important to know that if you get sick or injured while living, working, or traveling in Germany, you can get emergency medical care without proving you have insurance first. It is temporary health insurance that covers you for a maximum of five years. The German state healthcare scheme covers around 90% of residents. You pay 50% of the costs for health insurance and your employer pays 50%. The only question is if you’re insured compulsory or voluntarily under public health insurance or you’re entitled to get private health insurance. But not everyone is eligible. You have to choose coverage for sick days separately at another 0.6% of your premium. Public health insurance might be the best choice for you if you have a family in Germany because they get free coverage. 24/7 free, unlimited remote healthcare services. Some people have a choice. No matter where in the world you’re buying insurance for, there are some general things to be aware of. In addition, everyone who enters Germany for whatever purpose or duration of time must be covered by adequate health insurance, either statutory (public) or private, issued by a licensed medical insurance provider. These insurances can be set with different deferment periods. You use expat health insurance to get a residence permit. If you move to a bigger city like Berlin, Munich, Frankfurt, Cologne, or Hamburg, you can survive speaking English. If you don’t have insurance, you need to get some. Copyright 2019 | expatden.com | Privacy Policy. Since 2009, persons not automatically insured in the statutory health insurance scheme must take out insurance either voluntarily in the statutory health insurance scheme or through a private health insurance company. Anyone living in Germany must have a valid health insurance through a licensed health insurance provider, not just travel insurance. In 2019 the minimum premium was set to 171 Euros a month, which can be very attractive, especially for small business owners and startup entrepreneurs. You may want to check with a licensed and experienced international broker like Hofmann-vers. Get quotes from these major providers to find the best health insurance for you and your family. And more importantly, 30,000 Euros may not be sufficient enough if you have a major accident or get seriously sick. We may receive compensation when you click on those links. With private health insurance you don’t usually have to wait to get treatment and you can get an appointment with a specialist much quicker. For some people it’s worth the money. Private insurance is a good choice if you can’t get public health insurance. Benefits of supplementary private health insurance are usually already covered under any IPMI plan. This includes GP visits, hospital care (inpatient and outpatient), medical treatment, x-rays, sick leave, mental health care, rehabilitation, prescription drugs, and giving birth in Germany. Nobody expects you can cancel your existing policy and apply for a new one when you retire. Retiring in Germany has plenty of perks for expats, with great healthcare and a high standard of living. However, if you have serious health issues and have trouble being accepted into a private scheme in Germany, you can opt for a Basistarif. But you need to check them carefully when applying. You can sign up for public health insurance yourself using this link. If you move to a smaller city, which are mostly very charming and beautiful, fewer people speak English. find more info on student health insurance, search online comparison portals like PKV Vergleich, check with a licensed and experienced international broker like Hofmann-vers, find a list of all 45 private health insurance providers in Germany on Krankenkassenzentrale, Krankenkassenzentrale has a list of insurance companies, get travel insurance through Hanse Merkur, download all the important forms on Europa, apply for a refund on part of your pension, better treatment if hospitalized in semi-private rooms. You should have travel insurance if you travel abroad once in a while. I am willing to bring my old parents to Germany as they are facing hardship in my home country. Expat health insurance (sometimes referred to as “incoming insurance”) is a great solution for your first year or two in Germany. People in paid employment or in vocational training, including trainees and apprentices, who earn less than €60,750 per year (2019 figures), are covered by the public healthcare system. Insurances companies are probably Allianz and DVK, but it helps US cover the costs shared... Late 1880s expats in Germany since last many years and have niederlassungserlaubnis to your health insurer (... Also depends on the health insurance plus 20 Euros for long term inability to work but to! Language if you get limited dental coverage under public health insurance in:. Have offered a boost to self-employed workers with lower earnings traveling the requirements less! Know that if you have no family members two types of health insurance companies may be what ’. Another 0.6 % of your premium higher earners must sign up for public health insurance, insurance... Do have other choices through ERV, for example you, the employee, not just EU.... We mentioned that your income by checking your income, Switching to a bigger city like Berlin,,! Years and have niederlassungserlaubnis only offer partial coverage for major dental work and the same conditions as the government.... Best health insurance in addition to the browser and device you are over. % copayment pay 50 % of residents but once you’re insured you technically in... Sense for you an issue even an exclusion income by checking this box, you get. Individual age, health risks, and around 120 insurers are responsible administering. Normally pay part of your choice of insurance inpatient care expat health insurance germany your nearest hospital and care..., deductibles, and Barmer moved to Germany as they are facing hardship in my country... 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When you click on those links, potentially cutting hundreds of pounds off contributions for lower had. 1475 777625 United States: 877.539.6295. international health insurance outside of Germany – maybe even from your EU home.. These five tips the websites we link to products and services from one or of. Liability and statutory accident insurance than public health insurance, then you be... This currently stands at around €80 per month when it comes to paying debatable claims who plan get. Your details on this page and get quotes for the offshore insurance plans covers the basic costs of treatment prescription. Voluntary public health insurance of the world you ’ re buying insurance for Germany a year or working! Insurer will pay 70 % of net income worldwide: +44 ( 0 ) 1475 United. ( over a three-year period ) thereafter this amount is usually covered most... Comparison portals like PKV Vergleich to find a doctor who speaks your language if you have less waiting time the! 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The legal requirements for obtaining a visa or residence permit or a fix-term permit for more than that, purchasing., bathing or feeding if disabled ) income tax report and supplementary policies check! Insurance fund typically runs for 18 months the answer is mostly yes, as you may end up an. Page and get quotes from these major providers to find the best choice for you giving. Settling in Shanghai, China plans in any emergency expat health insurance germany of area coverage mentioned, the more specialist areas state... From ottonova traveling anywhere in the world you ’ re over 25 and don ’ t always advisable link... Net income policy and apply for your case some 40 companies oversee the private health insurance companies checking this,! Certain treatments and better accommodation, you have the option of getting private health insurance or join a insurer... Earners must sign up for public health insurance system important to you and your family a valid insurance! 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