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. If you have private health insurance, keep it. Either way, your employer has to pay 50% of the costs. You have to choose coverage for sick days separately at another 0.6% of your premium. There are a number of private health insurance companies operating in Germany. If you choose to take the private route, you’ll typically pay doctor’s fees upfront and then ask for reimbursement later. And all countries in the EU have an intergovernmental agreement that covers anyone with existing public health insurance from any other country in the EU. There are two types of health insurance in Germany: statutory health insurance and private health insurance. You may want a higher limit for at least two reasons. This guide explains what to arrange for retirement in Germany. 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 can buy insurance through a licensed German insurance broker or offshore company if you plan to stay less than five years. User friendly Easy Claim app for all services. Supplementary dental insurance is a good way to minimize the financial risk for costly dental treatments. As an expat, you have an alternative to the German health insurance system. Generally, you’ll pay around half of this amount (around 7.3% up to a maximum monthly income of €4,538). 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 … Health Insurance in Germany for Expats A third option would be to purchase a global health insurance plan that will cover you in Germany and throughout the world. Expat health insurance – international plans, from home! State health insurance includes sickness benefit, with your employer paying your wages for up to six weeks. If you are voluntarily insured in Germany, you will make your move here easier by getting expat health insurance. 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. If you are an EU citizen, you are covered by your European Health Insurance Card (EHIC) for temporary stays. Expat health insurance is also called incoming health insurance. 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. All other insurances companies are very reliable too, even if you’ve never heard of them. Thus, foreign nationals and their family members benefit from insurance cover in Germany, worldwide (also in Schengen countries) and can be partly be insured even in their home countries. Looking for health insurance in Germany? 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. For each quarter of the year you seek medical help, you’ll need to pay a one-off charge of €10. He left his stable government office job and traveled the world until settling in Shanghai, China. These insurances can be set with different deferment periods. Online portals are good for getting a reference or overview of options. Here are a few ways to check if you have coverage for your time spent in Germany. If you’re self-employed, your choice of insurance depends on the health insurance you had before you moved to Germany. If you don’t require medical assistance, you won’t have to pay this charge. The costs are shared equally between employer and employee. Retirees may have different needs than exchange students. You get the same benefits as everyone else, except you pay less. That someone is you. Home. Take the time to read through the fine print of any insurance plan you’re interested in buying. Anyone living in Germany must have a valid health insurance through a licensed health insurance provider, not just travel insurance. If there’s no agreement, you can apply for student health insurance under the public health insurance system. After you turn 30 or complete your 14th semester, the premiums increase by around €50 per month. It’s also much easier to find a doctor who speaks your language if you have private insurance. Also, under private health insurance pre-existing conditions could be an issue. If you earn less than €60,750 per year (or around €5,063 per month), you must stay on the statutory system. If you plan to get an IPMI plan, you have many choices as an expat apart from the standard private health insurance plans. While traveling the requirements are less strict and for all countries within the EU the same. You get public health insurance straight away. It is temporary health insurance that covers you for a maximum of five years. This goes for everyone, not just EU citizens. Under IPMI you don’t get free coverage for family members. If you’re a EU citizens, you can prove your insurance through the European Health Insurance Card. Navigating the healthcare system as an expat living in Germany doesn’t have to be challenging. You may come across people in Germany who recommend private health insurance over public health insurance, but be careful. The only question is if you’re insured compulsory or voluntarily under public health insurance or you’re entitled to get private health insurance. There are some exceptions for certain occupations. If you make more than 5,062.50 Euros as of 2019 you can choose to get private health insurance. 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. There are many German health insurance companies and international health insurers. Expats in Germany can only have access to statutory health insurance if they are employed by a German company. Which one you choose also depends on the region you live in, because not all companies are available throughout Germany. German public health insurance includes inpatient care at your nearest hospital and out-patient care from doctors. Expat life in Germany; Health insurance for Germany; As an expat, knowing that you can access high-quality health care in your new home is essential. Expat health insurance is cheaper than public and private health insurance, but it's not as good: If you come from outside the EU, you have to check if there’s a intergovernmental social security agreement between your country and Germany. Even though the website is in German, English inquires are okay. It’s possible that private health insurance is much cheaper than public health insurance. This means the state is likely to only offer partial coverage for major dental work. But there is no guarantee that in your particular case German authorities will accept the coverage you have. This website includes links to partner companies. Since this article is about health insurance in Germany, we didn’t cover other topics too deeply. We’ve listed each of them in a separate guide. An expat-friendly insurance broker such as Feather can help you find a health insurance plan that covers your medical needs, all in a language you understand. Remember that you can only keep your existing insurance if you don’t work in Germany and stay in the country no more than 5 years. This obliges insurers to accept all cases under the same conditions as the government system. You can buy expat/international health insurance outside of Germany – maybe even from your home country. It costs around €10–20 per month, although better coverage or lower co-payments will incur higher premiums. Find out what services are available in Germany. You should have travel insurance if you travel abroad once in a while. So you may want to switch your existing public health insurance from your EU home country to Germany. If you want to get private insurance, enter your details on this page and get quotes for the health insurance plans that are most suitable to you. Your choices will not impact your visit. I am working in Germany since last many years and have niederlassungserlaubnis. This means if you wish to have an inlay instead of a crown you may end up with an 80% copayment. 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… As we said earlier, students can be insured through family packages for free up to the age of 23 if their parents are insured through Social Security. Over time, the system has gradually widened, so that in 2020 around 90% of Germany’s population is covered by statutory health insurance. And social medical care in Germany is well organized and you get the right treatment when you need it. Get a Quote. Now it should be clear what direction you need to look at in terms of health insurance for Germany. Depending on age, public health insurance in Germany might be more expensive than private health insurance. If you don’t have to work but want to spend your time in Germany, you still need health insurance. If you are planning to reside for 6 months or longer in a foreign country, you can buy expatriate health insurance in Germany. All licensed private health insurance companies in Germany are safeguarded through a protection fund for private health insurers. We talk about public health insurance in Germany because it’s a valid option and for many people, even expats, as it’s compulsory for most people. And the same holds true for professional workers and expats. This may not be convenient for you. To be eligible for state healthcare, you’ll need to get an EHIC (European Health Insurance Card) before you arrive. Whether you’re trying to find an eye doctor or the right health insurance policy for you and your family, our collection of expert guides to healthcare in Germany can help. Click below to consent to the use of this technology on our website – and don’t worry, we respect your privacy. Click on any of the links for more info. For the majority of expat students are often very cheap because of their age and health condition. 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. 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. And someone has to pay it. Whatever you decide, make sure you get the best protection for you and your family in Germany. If you need help choosing a plan for work or your family, view our … There are no minimum premiums for voluntary public health insurance. In addition to more specialist treatments and better accommodation, you’ll have access to doctors who restrict their practices to private patients. We may receive compensation when you click on those links. Residents planning to stay longer than a year or those working in Germany should arrange either German health insurance or join a private insurer. In regards to pre-existing conditions and also costs for additional family members, private health insurance may not be the right choice for you. The German state healthcare scheme covers around 90% of residents. Membership of an insurance fund typically runs for 18 months. You’re either allowed to enroll into the Social Security system or apply for private health insurance. You can buy Schengen travel insurance online or through an insurance broker of your choice anywhere in the world. What's up. 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. The German healthcare system is one of the best in Europe. Modern technology, short waiting lists for treatment and a statutory health insurance scheme contribute to a stable and robust system. One of the prerequisites for the visa application is to be able to take care of the health insurance of the parents. Now, if you or a family member works in Germany the other members of your family are insured for free. 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). The only exception is if you make a certain amount of money. This results in shorter waiting times and you won’t need to make any additional co-payments for medicine. If you’re an expat, can’t speak German, and rather have long-term health insurance that you can take with you wherever you may move next in the future, then we recommend private international medical insurance. Around one-in-10 residents opt for private health insurance in Germany. Long term care can be very expensive, especially if you have no family members to help you. You can sign up for public health insurance here. Previously, self-employed people paid their contributions based on projected monthly earnings of €2,284 – meaning lower earners had to pay unreasonably high premiums. Expat Health Insurance for Students in Germany Students also have a choice between private health insurance or public health insurance in Germany for the duration of their studies. Higher earners must sign up for private health insurance in Germany, which can offer shorter waiting times and better hospital conditions. Citizens from the EU (European Union), EEA, or Switzerland are allowed healthcare on the same basis as German nationals if they are traveling to Germany or are temporary visitors. So before you pick an insurance plan, let’s recap. This private insurance is cheaper for students and can even be cheaper than public health insurance. Generally speaking, it’s because public health insurance in Germany covers mainly everything, without restrictions on pre-existing or chronic conditions. If you make anything above that amount and have private health insurance, no other deductions are taken from your income. The current premium rate in 2019 for student public health insurance is about 70 Euros plus 20 Euros for long term care insurance. 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. Up to age 25, those in full-time education can be covered for free under their family’s health insurance. No matter where in the world you’re buying insurance for, there are some general things to be aware of. To get private medical group insurance at your company you need at least ten employees who can get private medical insurance instead of public health insurance. Individual Private Medical Insurance, or IPMI, is mostly better than public health insurance and has some advantages, but it can be more expensive. You can get this reduced insurance rate if you study in Germany for a maximum of 14 semesters or you’re no older than 30. Also, the shared premium is just for you, the employee, not for your family members. 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. 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