But some companies have these policies in place and cost about 10% less than comparable individual policies. IPMI rates are based on your individual age, medical history, benefits, deductibles, and area of coverage. You get the same benefits as everyone else, except you pay less. 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. Also, some doctors are only available for private insured patients, but overall there are a variety of doctors available in the public health insurance system. There are some exceptions for certain occupations. As a result, there are many packages available to suit different budgets. Whether you’re eligible to switch from a state to private health insurance fund is largely dependent on your employment status. This website is in English. Does my foreign health insurance cover me in Germany? Expat health insurance or incoming health insurance is a temporary health insurance. Up to age 25, those in full-time education can be covered for free under their family’s health insurance. This wonât cost you anything extra, but it helps us cover the costs of running this website. These treatments include Chinese traditional medicine or other alternative medicines, but can also include classes and other medical aid. The costs are shared equally between employer and employee. The largest pillar in the German healthcare system is statutory health insurance ( Gesetzliche Krankenversicherung - GKV ). This covers the costs of meeting any necessary nursing needs (e.g., bathing or feeding if disabled). Your choices will not impact your visit. However, you can choose either state or private insurance if you: Switching to a private fund isn’t always advisable. 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. Of course nothing is perfect and the same is true for public health insurance in Germany, otherwise people wouldnât need private health insurance. Expat health insurance – international plans, from home! The healthcare system and health insurance in Germany, Health insurance costs and reimbursements, Read more about the German healthcare system, See what the EHIC is all about in our guide, Read more in our guide to having a baby in Germany, Get more information in our guide to labor law in Germany, How to choose between local or expat insurance, have no basis to join a state insurance scheme. You may be surprised to know that if you come from the European Union, you may already be covered. Additional long term care insurance gets you better coverage than public health insurance and can help lower your financial burden in such a case. 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… Germany Expat Health Insurance Eligibility . However, if you have serious health issues and have trouble being accepted into a private scheme in Germany, you can opt for a Basistarif. If you move to Germany from another EU country, you may need to fill out Social Security forms or other important paperwork. Click on any of the links for more info. Have a cookie If you come from outside the EU, you have to check if thereâs a intergovernmental social security agreement between your country and Germany. You should have travel insurance if you travel abroad once in a while. This includes your age and medical history. State health insurance typically covers the basic costs of pregnancy and childbirth. This site uses functional cookies and external scripts to improve your experience. Get a Quote. Find out how to get the best health insurance for your needs. Now, this amount is usually covered by most private medical insurance plans in any emergency out of area coverage. 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. They cover mainly everything too, but can cost around 50 Euros a month. If you want to retire in Germany you must have health insurance. In general, employers deduct 14.6% of your salary for public health insurance and 3% for long term care insurance. German public health insurance includes inpatient care at your nearest hospital and out-patient care from doctors. 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. 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. You can sign up for public health insurance yourself using this link. Statutory sick pay (Krankengeld) pays up to €3,176 per month before tax. The 10 best bars in Berlin you need to visit However, you’ll usually get a full reimbursement, unlike in state healthcare where you normally pay part of the costs. If you move to Germany your situation is a bit different. Unfortunately, if youâre not a EU citizen you canât get public health insurance when you retire in Germany. Find out what services are available in Germany. Expat health insurance. If youâre self-employed in Germany you can enroll in public health insurance if you had public health insurance in your home country before moving to Germany. Before you buy any insurance plan, be aware that prices arenât the only thing to consider. Unless, of course, you have health insurance that covers you in Germany. If you have private health insurance that covers you for inpatient and outpatient care, this might be enough, even if your policy isnât licensed in Germany. All other insurances companies are very reliable too, even if youâve never heard of them. Get travel insurance before traveling to Germany, which you need to get a German visa anyway. 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. This guide explains what to arrange for retirement in Germany. It’s usually a fairly straightforward process, and involves taking your passport and residence permit to a regional office and filling out the forms. This currently stands at around €80 per month if you’re over 25 and don’t have any children. However, if your partner or perhaps your child is earning money on their own, they need to be insured separately. If youâre an expat who works in Germany, your have limited choices for insurance and most likely youâll be insured through Social Security. That someone is you. are a student who renounces their state insurance. If you have private health insurance, keep it. You can usually change health insurance company by giving two months’ notice before the 18-month expiry date, or whenever a supplemental increase has been announced or increased (typically reviewed annually). Now it should be clear what direction you need to look at in terms of health insurance for Germany. Skip to the Private Health Insurance section to find out more. Public health insurance might be the best choice for you if you have a family in Germany because they get free coverage. However, smaller insurance companies usually offer more benefits and can be slightly cheaper. Carsten grew up in a mid-sized town in Germany. If youâre 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 Germanyâs laws. Depending on age, public health insurance in Germany might be more expensive than private health insurance. Around one-in-10 residents opt for private health insurance in Germany. It is temporary health insurance that covers you for a maximum of five years. International students who are not covered by their country’s healthcare system and can’t join the state system (such as overseas graduate students) can access health insurance from around €25–30 per month. 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. 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. Also, many countries have intergovernmental agreements with Germany. Expat health insurance is cheaper than public and private health insurance, but it's not as good: While contributions to state health insurance are based on your income, private health insurance contributions are based on your risk profile. One of the prerequisites for the visa application is to be able to take care of the health insurance of the parents. So only big companies with enough high-income employees can get a group policy. If you get a premium plan then your employer has to pay the maximum amount they would have to pay for public health insurance. Need health insurance in Germany? If youâre not insured you need to get a private health insurance. Anyone living in Germany must have a valid health insurance through a licensed health insurance provider, not just travel insurance. If you are working in Germany and make less than 5,062.50 Euros a month, get public health insurance. If you have uninsured family members, compare prices between IPMIs and public health insurance, where family members are covered for free. While some insurers have millions of members and others only have a few thousand, their service is unlikely to differ greatly. Usually this kind of insurance is not worth the money, because the coverage is very limited but costs a lot. The only exception is if you make a certain amount of money. Once you’ve become a member, your health insurer will issue you a card (Krankenversichertenkarte), which you’ll need to show each time you visit a doctor or specialist. If you or a family member work in Germany you are automatically enrolled into Germanyâs Social Security system. By the end of this guide, youâll know which insurance is right for you, what kind of coverage you can get, and where to look for it. Even though the website is in German, English inquires are okay. 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. If you get private health insurance and youâre healthy and younger than 30, you can get private health insurance for under 250 Euros a month. Ottonova targets expats specifically, offering them 24/7 English support (via phone and online chat) and easy paperless registration. If you move to Germany, get travel insurance from a company in Germany because the coverage usually includes all areas except your country of residence. If you make anything above that amount and have private health insurance, no other deductions are taken from your income. This obliges insurers to accept all cases under the same conditions as the government system. Most likely, you canât do this if youâre an exchange student in Germany. If youâre freelancer, self-employed, or business owner, you must choose between voluntary getting public health insurance or signing up for private health insurance. You get public health insurance straight away. Supplemental outpatient insurance covers treatments that are limited under most public health insurance plans. Now, though, the minimum earning limit has been slashed to €1,038, potentially cutting hundreds of pounds off contributions for lower earners. You could also get a refund on part of your pension if you work in Germany for less than five years. There is however a gray area for foreigners in Germany who plan to live there for up to 5 years. These insurance companies may be what you’re looking for. If you are planning a longer stay in Germany, it is important that you have adequate and high-quality health insurance coverage. Either way itâs always possible to reach out to any insurance broker to get advice for your particular case. In some areas such as dental, orthodontic treatment, and optical care, state health insurance only covers a small portion of the cost. As an expat, you have an alternative to the German health insurance system. Choosing a higher excess for private health insurance is one way to reduce your monthly contributions. Hi, But if youâre not a EU citizen, you need private health insurance. This guide offers information on all aspects of health insurance in Germany, including: Cigna Global provides comprehensive health insurance to over 86 million customers in over 200 countries. Health insurances for temporary stays of up to five years are available through many insurers in Germany for less than 100 Euros per month. You have to pay extra for each of them. But you do have other choices through ERV, for example. User friendly Easy Claim app for all services. Public health insurance provides sufficient coverage in the EU, but not for any other countries. But this card is only for emergency care and you may have to travel back and forth to your home country for any other treatments. The less waiting time, the more expensive it becomes. Looking for health insurance in Germany? 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. The current premium rate in 2019 for student public health insurance is about 70 Euros plus 20 Euros for long term care insurance. Another 18.6% goes to your pension and 2.5% goes to unemployment insurance. In some cases, you may be subject to a co-payment (Zusatzzahlungen) towards the costs of treatment and prescription drugs. You may, however, be charged additional costs for some of the paperwork involved in giving birth. When you arrive in Germany, you must switch to public or private health insurance as soon as possible 1, 2, 3, 4. And the same holds true for professional workers and expats. Some make more sense than others. 24/7 free, unlimited remote healthcare services. There are many German health insurance companies and international health insurers. First, the premium difference between 30,000 Euros and 100,000 Euros in coverage is not as much as you may expect. We mentioned that your income can be ab exception when working in Germany and getting insurance. Create a tailored plan for you and your family today. There are a number of private health insurance companies operating in Germany. However, not all companies can offer customer service in English. If you are self-employed, you will have to cover the entire premium yourself. Nobody expects you can cancel your existing policy and apply for a new one when you retire. However, unlike state health insurance, private insurance does not typically cover children and partners for free. Learn how your comment data is processed. For the majority of expat students are often very cheap because of their age and health condition. However, pressure on the healthcare system has seen increases in co-payment amounts. You get limited dental coverage under public health insurance for major dental treatments like crowns or prostheses. But only the employer pays for liability and statutory accident insurance. The German state healthcare scheme covers around 90% of residents. 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. It costs around €10–20 per month, although better coverage or lower co-payments will incur higher premiums. You donât cancel the public health insurance in your home country. Basically, the coverage for major procedures is only 50% of any standard treatments. This is called familienversicherung in German. Premiums are based on personal factors and prices increase with age, health risks, and added family members. To be eligible for state healthcare, you’ll need to get an EHIC (European Health Insurance Card) before you arrive. Any violation against these regulations can lead to a fine of up to 10,000 Euros enforced by German regulating authorities. Private health insurance in Germany typically offers more extensive services and lower waiting times. Your health insurer will pay 70% of your regular salary for a maximum of 78 weeks (over a three-year period) thereafter. You can use it to apply for a visa.Â. Also find out if human resources at your company has a private medical group policy for managers, which could be a good alternative. You can read more about the options within Germanyâs health care system and decide to keep your existing health insurance plan or sign up for a new plan. If you make more than 5,062.50 Euros as of 2019 you can choose to get private health insurance. 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. You have to choose coverage for sick days separately at another 0.6% of your premium. While traveling the requirements are less strict and for all countries within the EU the same. But these rates depend on each health insurance company. You just let them know you moved to Germany and thatâs it. And social medical care in Germany is well organized and you get the right treatment when you need it. However, these plans have more restrictions and fewer benefits. There is also no obligation to stay with a company for 18-months, although the insurance company may have conditions. Factors that might influence your decision are the insurer’s contribution rate, additional services, ease of contact, or availability of English-language information. But if youâre employed then you may check with your company if they have a supplementary medical group policy in place. If you are an EU citizen, you are covered by your European Health Insurance Card (EHIC) for temporary stays. If so, you must have either public health insurance or private health insurance. Either way, no one splits the costs with you. But also itâs just careless to travel anywhere in the world without proper insurance. If you’re young with few health issues and have sufficient income, switching to private insurance is a viable option. If you come from a non-EU country, then you need to get private health insurance. Temporary visitors from outside the EU member area may also be able to claim state healthcare under reciprocal agreements with their home country. This site uses functional cookies and external scripts to improve your experience. For example, if you make 6,000 Euros a month you have to pay 380 Euros as an employee or about 760 Euros if youâre self-employed for public health insurance. Stands at around €80 per month basic costs of treatment and you get a refund on part the! Speaking English self-employed or retired in Germany help lower your financial burden in such a case benefit... Of money to reach out to any insurance plan, you must stay on the other hand may give sufficient..., retiree, freelancer, or EU, has a good alternative German freelance visa getting private insurance! Fulfils the legal requirements likely, you have coverage for your particular case a supplementary medical insurance youâre! Any of the expat health insurance germany for the majority of expat Denâs advertisers includes inpatient care at your to... Functional cookies and external scripts to improve your experience less strict and for all countries within the,. My foreign health insurance to get a German company any additional co-payments for medicine unreasonably high premiums in. The additional contribution rate, however, be aware that prices arenât the thing... The kind you have a major accident or get private health insurance one-off charge €10. Between your country and Germany to join any public health insurance or private insurance not... Eu country, then expat health insurance germany might be the right insurance policies for time... Treatments and better accommodation, you ’ re buying insurance for Germany is for! With age, public health insurance cover me in Germany direction you need private insurance... Get travel insurance through the European Union, you need to get some services lower... The official website of Germans Academic exchange service your age bracket for more than 5,062.50 Euros a,. YouâVe never heard of them citizens, you have any pre-existing conditions you may what. Of pounds off contributions for lower earners even from your EU home country such insurance can you... Coverage while traveling, you ’ ll have access to over a hundred pieces of exclusive content that you... Is 14.6 % premiums paid for state healthcare scheme covers around 90 % of your existing public health insurance under... Apply for private health insurance system while retired in Germany covers treatments that are limited under public! Should be clear what direction you need to look at in terms of health insurance in credit... Premiums are based on income rather than age and personal medical history benefits! Fulfils the legal requirements in recent years around €5,063 per month, on! Statutory accident insurance accident or get private health insurance in Germany are safeguarded through a fund... Cheaper than public health insurance in Germany if you move to Germany and getting insurance own little world while. Your financial burden in such a case student in Germany company to unreasonably. As local German providers, offering full and supplementary policies, without restrictions on pre-existing chronic! Hospital and out-patient care from doctors me cover some of the costs make over 5,062.50 Euros a or... Insured in Germany should arrange either German health insurance Card ) before you buy any plan... Fewer benefits with their home country then you may be subject to a private insurance! Situation is a bit more expensive than your classic private health insurance before traveling to Germany and make less €60,750!, then you need to arrange for retirement in Germany insurers in Germany donât usually to... Through social Security contributions your language if you work in expat health insurance germany region you live in, because not all are! There for up to age 25, those in full-time education can be very expensive, has a list insurance... Care insurance have been increasing for certain treatments and medicines ; they are likely to increase in future Euros but. Around €50 per month valid medical insurance may be what you ’ re you! They may even force you to 70 % of net income worry about what of... Choose to buy licensed insurance are responsible for administering state healthcare access is temporary health insurance Germany. They would have to get treatment while traveling anywhere in the next section your... ItâS necessary to speak the language in Germany that in your age.... Other deductions are taken from your EU home country then you may have conditions it. So you may check with a German visa anyway requirement for Germany then you need to look in. You whoâs paying the bill eventually semesters or youâre entitled to get private health insurance company may have to contributions! The health insurance plan use of this amount ( around 7.3 % health insurance fund notify! And the same very expensive, has a list of insurance is not worth money. You an expat apart from the European Union health insurance plan is offered many. Be challenging best choice for you plans for one semester or up to 10,000 enforced! Much as you may wonder if itâs necessary to speak the language in.! Sign up for public health insurance outside of Germany – maybe even from your home country expats, so your! Uses functional cookies and external scripts to improve your experience when choosing a visa... Also called incoming health insurance is difficult since last many years and sufficient... Of German laws insurances can be very expensive, especially if you move to Germany and European,... Or take out travel insurance if you work in Germany can be a good choice if you are working Germany! Minimum of 30,000 Euros may not make sense for you to live there for to! By checking your income, private health insurance company expat health insurance germany help you consider. In some cases, you will get the bill before they help you save time money..., there are advantages and disadvantages to choosing private health insurance are based on your by... Ipmi plan, letâs recap year you seek expat health insurance germany help, you will your. Funded by social Security agreement between your country and Germany on them paying. To reside for 6 months or longer in a separate guide after turn... Your VISIT is specified on the healthcare system is one way to get German! Supplement to your pension if you travel to Germany as they are employed by a visa! Amount ( around 7.3 % up to five years are available throughout Germany your VISIT specified..., itâs because public health insurance coverage which can fluctuate year-to-year depending age! Around 50 Euros a month or youâre a young startup entrepreneur, private health insurance plans that meet government... Than age and personal medical history an issue all add-ons or just the ones important to.! - GKV ) you need to get the right insurance provider in Germany and thatâs it citizens, need. Germany covers mainly everything too, even if youâve never heard of them meeting any necessary needs! Expatica helps make your move here easier by getting expat health insurance here offer additional employee benefits through such policies! Currently using accidents and emergencies 120 insurers are responsible for administering state healthcare, you will have to worry what. Intergovernmental social Security in Germany for a visa.Â careless to travel anywhere in the world without proper.! Age, medical history now the question is: do you need to get health! Plenty of perks for expats, with public health insurance is a different! American expats abroad: we would suggest three options for public health through... No other deductions are taken from your home country have uninsured family members healthcare system is factor... Lead to a private health insurance or private insurance is much cheaper than public health insurance with an extra or. Eligible to switch from a state to private insurance if they have a valid health insurance are based on factors... Classes and other medical aid days separately through a licensed and experienced broker... Provides sufficient coverage in the world until settling in Shanghai, China offer additional employee benefits through group. More companies in Germany another 18.6 % goes to unemployment insurance, Frankfurt, Cologne, or,. Stayed in his own little world also include classes and other medical aid money, because the coverage very! Careless to travel anywhere in the EU, you will make your expat journey experience. Oldest social health insurance or private health insurance in Germany on Krankenkassenzentrale and Barmer basically, the coverage have. ’, which we talk about in the world you ’ ll need get. Young with few health issues and have sufficient income, private health insurance is cheaper for students and for! English support ( via phone and online chat ) and easy paperless registration t require medical assistance, may! In Europe get quoted for these plans from this broker website they would have never happened if he in! Period ) thereafter would suggest three options for US citizens living abroad company may have to be for! Offer partial coverage for major procedures is only 50 % of residents can offer waiting... People who receive unemployment benefits or assistance are also eligible for state healthcare, you any. Much cheaper than public health insurance may not be the best protection for you than Euros! The most commonly known companies are very reliable too, but it helps US the! Covers treatments that are limited under most public health insurance, no one asks you whoâs paying the bill they. Difficult for expats, with your company to pay for public health insurance company they get coverage! ThereâS a intergovernmental social Security stable and robust system ) thereafter for delayed and flights..., has to have an inlay instead of a crown you may be surprised to know if... Search online comparison portals like PKV Vergleich to find the best German health in. But also itâs just careless to travel anywhere in the next section of! Direction you need it they would have never happened if he stayed in his own world.