Which expat health insurance do you need for your situation? When you arrive in Germany, you must switch to public or private health insurance as soon as possible 1, 2, 3, 4. The German health insurance system has come under pressure to cut healthcare costs in recent years. For instance, with public health insurance you may have to wait for an appointment at a specialist if it’s not an emergency. Deductions from your salary are automatic. If you are employed, 50% of your contributions will be covered by your employer, up to a maximum of 365,63 euros per month plus 59,77 euros per month for long-term care insurance (in 2020). 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. By checking this box, you agree to receive newsletter from ExpatDen. If you’re an exchange student enrolled in a university in Germany, you must have either private or public health insurance. Travel insurance has to cover you with a minimum of 30,000 Euros. Does my foreign health insurance cover me in Germany? If you had private health insurance in your home country then you need to get private health insurance in Germany as well. So only big companies with enough high-income employees can get a group policy. This includes your age and medical history. 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 living in Germany are entitled to state healthcare, which is funded by social security contributions. But if you come from within the EU you can prove your existing public health insurance through the European Union Health Insurance card. You won’t find any real differences in price with public health insurance companies and only minor differences in benefits. Another 18.6% goes to your pension and 2.5% goes to unemployment insurance. The advantages for private health insurance in comparison to public health insurance are: Also, private health insurance offers you a wider range of access to doctors that only treat privately insured patients. Feather gives you insurance advice for expats in Germany. But your choices for insurance depend on your case. Factors that might influence your decision are the insurer’s contribution rate, additional services, ease of contact, or availability of English-language information. Expatriate Health Insurance for American Expats Abroad: We would suggest three options for US citizens living abroad. You get the same benefits as everyone else, except you pay less. Even though the website is in German, English inquires are okay. This may not be convenient for you. 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. If you come from a non-EU country, then you need to get private health insurance. If you are an EU citizen, you are covered by your European Health Insurance Card (EHIC) for temporary stays. NOTE: These settings will only apply to the browser and device you are currently using. Unfortunately, you can’t join Germany’s public health insurance system while retired in Germany if you didn’t have public health insurance before you retired. are a student who renounces their state insurance. 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. There is however a gray area for foreigners in Germany who plan to live there for up to 5 years. Expatica helps make your expat journey the experience you've always wanted. Germany Expat Health Insurance Eligibility . 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. Our partner, International Citizens Insurance, is the premier provider of international health insurance, travel medical insurance and expatriate insurance, offering comprehensive plans at affordable rates. Depending on your needs and situation, supplementary medical insurance may or may not make sense for you. It’s usually a fairly straightforward process, and involves taking your passport and residence permit to a regional office and filling out the forms. Public health insurance might be the best choice for you if you have a family in Germany because they get free coverage. Social Security in Germany is compulsory for any employment and is non-negotiable. If you don’t have insurance you can buy any offshore plan you like as long as it covers the benefits mentioned in the last paragraph. The kind you have depends on your employment and how much you earn. 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). On the other hand, if you are making over that amount, it might be better to get private health insurance from Cigna. Pensioners and people who receive unemployment benefits or assistance are also eligible for state healthcare. 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. 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. So before you pick an insurance plan, let’s recap. Foreigners who choose to live in Germany for longer than 90 days are also required by law to have German health insurance. But you can’t buy a premium plan and expect your company to pay for it. Premiums are based on personal factors and prices increase with age, health risks, and added family members. Long term care can be very expensive, especially if you have no family members to help you. You can get quoted for these plans from this broker website. This guide explains everything you need to know about home insurance in Germany, from whether you need to where you can buy an expat-friendly policy. This means if you wish to have an inlay instead of a crown you may end up with an 80% copayment. Also find out if human resources at your company has a private medical group policy for managers, which could be a good alternative. And the same holds true for professional workers and expats. Private health insurance in Germany typically offers more extensive services and lower waiting times. For example, such insurance can cover you for: You can choose to buy all add-ons or just the ones important to you. If you are self-employed or retired in Germany, get private health insurance from a provider such as Cigna. Finding the right insurance provider in Germany can be difficult for expats, so defining your needs is the first step. They may even force you to buy licensed insurance. Either way, your employer has to pay 50% of the costs. The 10 best bars in Berlin you need to visit The German state healthcare scheme covers around 90% of residents. 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 Krankenversicherung, PVK). This is called familienversicherung in German. But not everyone is eligible. 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. Your health insurer will pay 70% of your regular salary for a maximum of 78 weeks (over a three-year period) thereafter. Any violation against these regulations can lead to a fine of up to 10,000 Euros enforced by German regulating authorities. If you’re 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. It is temporary health insurance that covers you for a maximum of five years. Expat health insurance: Expatica’s guide helps you find the best expat health insurance with these five tips. Learn how your comment data is processed. If you study in Germany you can get IPMI as well. If you need help choosing a plan for work or your family, view our … If you have any pre-existing conditions you may end up with an extra fee or even an exclusion. If you choose to take the private route, you’ll typically pay doctor’s fees upfront and then ask for reimbursement later. 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). If you’re not insured you need to get a private health insurance. If you are self-employed, you will have to cover the entire premium yourself. These insurance companies may be what you’re looking for. 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 are planning to reside for 6 months or longer in a foreign country, you can buy expatriate health insurance in Germany. These plans offer better rates than most private medical insurance plans do. You can of course change your mind and withdraw your consent at any time, by returning to this site after clearing the cookies on your computer or device. Your employer pays up to €69. But they can also be risky. 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. After you turn 30 or complete your 14th semester, the premiums increase by around €50 per month. Expatica uses technology such as cookies and scripts to personalize content and ads, provide social media features, and analyze our traffic. If you’re interested in private health insurance search online comparison portals like PKV Vergleich to find the best German health insurance for your case. However, these plans have more restrictions and fewer benefits. Our insurance products EXPAT FLEXIBLE, EXPAT PRIVATE and EXPAT VISIT meet and exceed the legal requirements. But don’t worry, you will get the bill eventually. Whether you’re eligible to switch from a state to private health insurance fund is largely dependent on your employment status. 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. Now, though, the minimum earning limit has been slashed to €1,038, potentially cutting hundreds of pounds off contributions for lower earners. If you’re looking for public health insurance, Krankenkassenzentrale has a list of insurance companies. We mentioned that your income can be ab exception when working in Germany and getting insurance. This happens at no cost to you and helps me cover some of the expenses of running this website. 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. In some areas such as dental, orthodontic treatment, and optical care, state health insurance only covers a small portion of the cost. You pay 50% of the costs for health insurance and your employer pays 50%. For example, if you make 6,000 Euros a month you have to pay 380 Euros as an employee or about 760 Euros if you’re self-employed for public health insurance. Expats in Germany can only have access to statutory health insurance if they are employed by a German company. Previously, self-employed people paid their contributions based on projected monthly earnings of €2,284 – meaning lower earners had to pay unreasonably high premiums. You don’t have a choice in this matter. These treatments include Chinese traditional medicine or other alternative medicines, but can also include classes and other medical aid. GKV maintains an updated list of all state German insurance companies, where you can compare health insurance rates. As an expat, you have an alternative to the German health insurance system. You can buy these plans for one semester or up to five years. You get limited dental coverage under public health insurance for major dental treatments like crowns or prostheses. But there is no guarantee that in your particular case German authorities will accept the coverage you have. If you have local insurance, it’s worth checking for any existing emergency coverage you may have on your policy while traveling outside your area of coverage. 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. If you come from outside the EU, you have to check if there’s a intergovernmental social security agreement between your country and Germany. Supplemental outpatient insurance covers treatments that are limited under most public health insurance plans. Expat health insurance – international plans, from home! Now, if you or a family member works in Germany the other members of your family are insured for free. This goes for everyone, not just EU citizens. This results in shorter waiting times and you won’t need to make any additional co-payments for medicine. You have to choose coverage for sick days separately at another 0.6% of your premium. State health insurance typically covers the basic costs of pregnancy and childbirth. 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. 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. 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 don’t have insurance, you need to get some. This site uses Akismet to reduce spam. But some companies have these policies in place and cost about 10% less than comparable individual policies. If you are planning a longer stay in Germany, it is important that you have adequate and high-quality health insurance coverage. You get public health insurance straight away. While traveling the requirements are less strict and for all countries within the EU the same. This won’t cost you anything extra, but it helps us cover the costs of running this website. Online portals are good for getting a reference or overview of options. Expats who have a residence permit or a fix-term permit for more than twelve months come under this law. You’re either allowed to enroll into the Social Security system or apply for private health insurance. If you’re a EU citizens, you can prove your insurance through the European Health Insurance Card. 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 if you’re not a EU citizen, you need private health insurance. If you are voluntarily insured in Germany, you will make your move here easier by getting expat health insurance. Spouses, civil partners and children (up to age 23, or 25 if studying) of someone covered by state healthcare insurance are eligible for family co-insurance in certain conditions. But this doesn’t apply to all regions and for all specialist and treatments. Basically, the coverage for major procedures is only 50% of any standard treatments. This private insurance is cheaper for students and can even be cheaper than public health insurance. There are some exceptions for certain occupations. 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. If you are employed, up to a maximum monthly income of €5.062,50, your contributions will be split between yourself and your employer: you will each pay 7.3%. But they can’t give proper explanations and advice for your particular case. You can ask your dentist for a detailed overview or quote (Heil- und Kostenplan) before agreeing to any treatment, as well as what will be covered by your dental insurance in Germany. Ottonova targets expats specifically, offering them 24/7 English support (via phone and online chat) and easy paperless registration. If you earn more than that, consider purchasing additional sick pay insurance. If you’re self-employed you’ll need to arrange your own registration with a German health insurer. The costs are shared equally between employer and employee. Daily hospital benefits provide you a daily allowance and can cover additional costs you may have while admitted. As a result, recommending a specific company for public health insurance is difficult. Usually this kind of insurance is not worth the money, because the coverage is very limited but costs a lot. He's happy for what he's learned and seen, which would have never happened if he stayed in his own little world. You can find the student rates from all different health insurance companies on Krankenkassen. Or you can get insurance for sick days separately through a supplementary medical insurance plan. If you’re self-employed, your choice of insurance depends on the health insurance you had before you moved to Germany. 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. No matter where in the world you’re buying insurance for, there are some general things to be aware of. Get quotes from these major providers to find the best health insurance for you and your family. So think about learning German. While some insurers have millions of members and others only have a few thousand, their service is unlikely to differ greatly. Unless, of course, you have health insurance that covers you in Germany. We explain this further down the guide. Navigating the healthcare system as an expat living in Germany doesn’t have to be challenging. Depending on age, public health insurance in Germany might be more expensive than private health insurance. New rules introduced in 2019 have offered a boost to self-employed workers with lower earnings. Disclaimer: This article may link to products and services from one or more of Expat Den’s advertisers. It is one of the world’s oldest social health insurance systems, dating back to the late 1880s. If you have state German health insurance, simple routine dental procedures (e.g., filling, dental hygiene) or dental emergencies are more likely to be covered. My father gets pension in India approx 700 Euros/month. Skip to the Private Health Insurance section to find out more. Public health insurance provides sufficient coverage in the EU, but not for any other countries. 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. 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. But also it’s just careless to travel anywhere in the world without proper insurance. And more importantly, 30,000 Euros may not be sufficient enough if you have a major accident or get seriously sick. Around one-in-10 residents opt for private health insurance in Germany. The German healthcare system is one of the best in Europe. You can buy expat/international health insurance outside of Germany – maybe even from your home country. But these rates depend on each health insurance company. User friendly Easy Claim app for all services. Now the question is: Do you want to buy private health insurance if you can get full coverage through public health insurance? In addition, state German health insurers charge an additional ‘contribution rate’, which can fluctuate year-to-year depending on healthcare expenditure. You have to proof that you’re insured. This covers the costs of meeting any necessary nursing needs (e.g., bathing or feeding if disabled). You use expat health insurance to get a residence permit. 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. 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. Home. You can enter your details on this page and get quotes for the offshore insurance plans that meet the standard of German laws. Senior expat health insurance plans cover those above the age of 74. 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. This website is in English. In addition to more specialist treatments and better accommodation, you’ll have access to doctors who restrict their practices to private patients. Health Insurance for Visitors, Tourists & Expats in Germany German residents are required by law to have health insurance. You can sign up for public health insurance yourself using this link. Don’t start making big plans, because the pension isn’t much. 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