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. But the website is only available in German. 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. 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. You can find a list of all 45 private health insurance providers in Germany on Krankenkassenzentrale. By the end of this guide, you’ll know which insurance is right for you, what kind of coverage you can get, and where to look for it. Another 18.6% goes to your pension and 2.5% goes to unemployment insurance. Your two choices in Germany are social insurance or private insurance. Carsten grew up in a mid-sized town in Germany. It is one of the world’s oldest social health insurance systems, dating back to the late 1880s. If you get a premium plan then your employer has to pay the maximum amount they would have to pay for public health insurance. As a result, recommending a specific company for public health insurance is difficult. 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. Also, the shared premium is just for you, the employee, not for your family members. Supplementary dental insurance is a good way to minimize the financial risk for costly dental treatments. They don’t need to pay contributions, provided their income does not exceed €415–450 each month, depending on the situation. Expatriate Health Insurance for American Expats Abroad: We would suggest three options for US citizens living abroad. IPMI rates are based on your individual age, medical history, benefits, deductibles, and area of coverage. Since this article is about health insurance in Germany, we didn’t cover other topics too deeply. 24/7 free, unlimited remote healthcare services. So think about learning German. If you make more than 5,062.50 Euros as of 2019 you can choose to get private health insurance. As an expat, you have an alternative to the German health insurance system. Which one you choose also depends on the region you live in, because not all companies are available throughout Germany. So before you pick an insurance plan, let’s recap. But you need to check them carefully when applying. Click on any of the links for more info. So you may want to switch your existing public health insurance from your EU home country to Germany. 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 buy insurance through a licensed German insurance broker or offshore company if you plan to stay less than five years. Quickly Find The Best Expat Health Insurance For Germany. German public health insurance includes inpatient care at your nearest hospital and out-patient care from doctors. 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. If you are working in Germany and make less than 5,062.50 Euros a month, get public health insurance. I am willing to bring my old parents to Germany as they are facing hardship in my home country. Now the question is: Do you want to buy private health insurance if you can get full coverage through public health insurance? Get travel insurance before traveling to Germany, which you need to get a German visa anyway. 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 studying in Germany at a state-approved university or education institution, you’ll need to pay a premium for health and nursing care. You can download all the important forms on Europa. 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. 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. There are many German health insurance companies and international health insurers. Your employer pays up to €69. The additional contribution rate, however, is one factor to consider when choosing a German health insurance company. 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. If you move to Germany your situation is a bit different. You get limited dental coverage under public health insurance for major dental treatments like crowns or prostheses. 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. Either way it’s always possible to reach out to any insurance broker to get 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. On the other hand, if you are making over that amount, it might be better to get private health insurance from Cigna. You may be surprised to know that if you come from the European Union, you may already be covered. But some companies have these policies in place and cost about 10% less than comparable individual policies. Disclaimer: This article may link to products and services from one or more of Expat Den’s advertisers. But you do have other choices through ERV, for example. However, pressure on the healthcare system has seen increases in co-payment amounts. 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. 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. Residents with private insurance should review their plan to see what dental coverage is on offer. Looking for health insurance in Germany? If you’re self-employed you’ll need to arrange your own registration with a German health insurer. International health insurance is available for anyone who’s living in Germany that wants global health coverage, where you can fly back to your home country and get treatment, or keep the plan when you move to a new country. 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. Basically, the coverage for major procedures is only 50% of any standard treatments. German social security contributions cover healthcare costs, and around 120 insurers are responsible for administering state healthcare access. 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. We mentioned that your income can be ab exception when working in Germany and getting insurance. Which cookies and scripts are used and how they impact your visit is specified on the left. If you move to a smaller city, which are mostly very charming and beautiful, fewer people speak English. Nobody expects you can cancel your existing policy and apply for a new one when you retire. You get the same benefits as everyone else, except you pay less. Also, under private health insurance pre-existing conditions could be an issue. This results in shorter waiting times and you won’t need to make any additional co-payments for medicine. Anyone traveling to Germany and European Union, or EU, has to have valid medical insurance. The only question is if you’re insured compulsory or voluntarily under public health insurance or you’re entitled to get private health insurance. Benefits of supplementary private health insurance are usually already covered under any IPMI plan. These insurances can be set with different deferment periods. But if you are not sure about moving to Germany, you can check out our insurance guides for other countries including Thailand, Malaysia, Vietnam, and China. Online portals are good for getting a reference or overview of options. Can you please let me know what will be the suitable health insurance for them and if they can be added as dependent in my public health insurance? This means you may end up paying over 1,000 Euros each month to insure your family. One of the prerequisites for the visa application is to be able to take care of the health insurance of the parents. Expats living in Germany are entitled to state healthcare, which is funded by social security contributions. 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. The German health insurance system has come under pressure to cut healthcare costs in recent years. Your health insurer will pay 70% of your regular salary for a maximum of 78 weeks (over a three-year period) thereafter. Worldwide: +44(0)1475 777625 United States: 877.539.6295. International Health Insurance in Germany. Our insurance products EXPAT FLEXIBLE, EXPAT PRIVATE and EXPAT VISIT meet and exceed the legal requirements. Most likely, you can’t do this if you’re an exchange student in Germany. But they can also be risky. Expat health insurance. It’s usually a fairly straightforward process, and involves taking your passport and residence permit to a regional office and filling out the forms. However, if you have serious health issues and have trouble being accepted into a private scheme in Germany, you can opt for a Basistarif. When you arrive in Germany, you must switch to public or private health insurance as soon as possible 1, 2, 3, 4. But it’s worth mentioning one thing about Social Security in Germany: If you work in Germany for more than five years you get a pension. The German healthcare system is one of the best in Europe. For others, they’d rather stick with public health insurance. However, if your partner or perhaps your child is earning money on their own, they need to be insured separately. Factors that might influence your decision are the insurer’s contribution rate, additional services, ease of contact, or availability of English-language information. This site uses Akismet to reduce spam. 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. Most employers will pay half of an expat’s health insurance fees every month, whether they opt for statuary or private health insurance. And social medical care in Germany is well organized and you get the right treatment when you need it. Dental insurance in Germany is typically low-cost. State health insurance includes sickness benefit, with your employer paying your wages for up to six weeks. This is charged at €105.05 ( students under the age of 23) or at €106.93 ( students age 23 and above) per month and covers both public healthcare and nursing care insurance. Find out what services are available in Germany. If so, you must have either public health insurance or private health insurance. Expatica helps make your expat journey the experience you've always wanted. You have to proof that you’re insured. If you’re a EU citizens, you can prove your insurance through the European Health Insurance Card. There are two types of health insurance in Germany: statutory health insurance and 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. If not, you still have plenty of options for public and private health insurance in Germany. For either of the transfer or refund options above, you must apply for it but your former company may help you. Supplemental outpatient insurance covers treatments that are limited under most public health insurance plans. In some cases, you may be subject to a co-payment (Zusatzzahlungen) towards the costs of treatment and prescription drugs. The German healthcare system is one of the best in Europe. Otherwise, they will have to pay for healthcare services or take out travel insurance. All other insurances companies are very reliable too, even if you’ve never heard of them. 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… You don’t cancel the public health insurance in your home country. Aetna International Plan for Expats. We’ve listed each of them in a separate guide. 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. If you’re looking for public health insurance, Krankenkassenzentrale has a list of insurance companies. Costs of health insurance in Germany for international students. Ottonova is a private health insurance provider that can be much more affordable than your classic private health insurance providers in Germany. 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. You can find the student rates from all different health insurance companies on Krankenkassen. Your employer covers the remaining fee, at a cap of 7.3%. This includes your age and medical history. Social Security in Germany is compulsory for any employment and is non-negotiable. If you don’t have insurance, you may be denied your Schengen Visa for Germany. You may, however, be charged additional costs for some of the paperwork involved in giving birth. Expat health insurance is cheaper than public and private health insurance, but it's not as good: Health insurances for temporary stays of up to five years are available through many insurers in Germany for less than 100 Euros per month. I am working in Germany since last many years and have niederlassungserlaubnis. 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. Does my foreign health insurance cover me in Germany? To be eligible for state healthcare, you’ll need to get an EHIC (European Health Insurance Card) before you arrive. 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%. 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. There are some exceptions for certain occupations. 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. As a result, there are many packages available to suit different budgets. Are you an expat, exchange student, EU citizen, retiree, freelancer, or business owner living in Germany? Expat health insurance is also called incoming health insurance. These insurance companies may be what you’re looking for. 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. My parents are 76 and 71 years old respectively. Therefore you don’t have to worry about what kind of insurance to get if you work in Germany. 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. But to get treatment while traveling, you may have to get your European Health Insurance Card. Deductions from your salary are automatic. These treatments include Chinese traditional medicine or other alternative medicines, but can also include classes and other medical aid. Daily hospital benefits provide you a daily allowance and can cover additional costs you may have while admitted. In addition to more specialist treatments and better accommodation, you’ll have access to doctors who restrict their practices to private patients. Private health insurance in Germany typically offers more extensive services and lower waiting times. This happens at no cost to you and helps me cover some of the expenses of running this website. Any violation against these regulations can lead to a fine of up to 10,000 Euros enforced by German regulating authorities. If you are self-employed or retired in Germany, get private health insurance from a provider such as Cigna. Create a tailored plan for you and your family today. If you’re young with few health issues and have sufficient income, switching to private insurance is a viable option. If you have uninsured family members, compare prices between IPMIs and public health insurance, where family members are covered for free. Usually, your employer will register you with a regional German health insurance company. Need health insurance in Germany? But also it’s just careless to travel anywhere in the world without proper insurance. If you want to get right to the point, here’s what you should know about health insurance options in Germany.Â, International health insurance is available for anyone who’s living in Germany that wants global health coverage, where you can fly back to your home country and get treatment, or keep the plan when you move to a new country.Â. Another issue can be that for small groups, all employees need to have the same benefits, which can be challenging to set up. Or you can get insurance for sick days separately through a supplementary medical insurance plan. But they can’t give proper explanations and advice for your particular case. But there are cases in which you can get student travel insurance, which is offered by many companies. If you are voluntarily insured in Germany, you will make your move here easier by getting expat health insurance. 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. You can enroll in a student health insurance plan under public health insurance or get private health insurance for students. Home. 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). Co-payments have been increasing for certain treatments and medicines; they are likely to increase in future. If you earn less than €60,750 per year (or around €5,063 per month), you must stay on the statutory system. Also, many countries have intergovernmental agreements with Germany. One easy and straight forward option for expats is to get travel insurance through Hanse Merkur. Health care is a high priority in Germany, with 21.4% of the government’s expenditure going to health and other essential services. If you are self-employed, you will have to cover the entire premium yourself. 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. To do this, fill out Form S1 from the health insurance company in your home country and send it to the health insurance company of your choice in Germany. Unlike state healthcare services, there is the prospect of being out-of-pocket for a while after any treatment. But if you come from within the EU you can prove your existing public health insurance through the European Union Health Insurance card. As a non-EU citizen, you can get quality expat health insurance from Ottonova. If you work in Germany you get public health insurance through Social Security. In regards to pre-existing conditions and also costs for additional family members, private health insurance may not be the right choice for you. If you or a family member work in Germany you are automatically enrolled into Germany’s Social Security system. You can find more info on student health insurance on the official website of Germans Academic Exchange Service. If you come from a non-EU country, then you need to get private health insurance. If there’s no agreement, you can apply for student health insurance under the public health insurance system. By checking this box, you agree to receive newsletter from ExpatDen. The choices you have depend on your personal circumstances. Statutory sick pay (Krankengeld) pays up to €3,176 per month before tax. You can use it to apply for a visa.Â. 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. If you plan to get an IPMI plan, you have many choices as an expat apart from the standard private health insurance plans. However, not all companies can offer customer service in English. You don’t have a choice in this matter. In addition, you may wonder if it’s necessary to speak the language 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. Without going into too many details, basically if you’re employed you are insured automatically through the social security scheme. Take the time to read through the fine print of any insurance plan you’re interested in buying. 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. Your insurance fund must notify you of any changes to their contribution charges. 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. 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. If you had private health insurance in your home country then you need to get private health insurance in Germany as well. Some people have a choice. Also find out if human resources at your company has a private medical group policy for managers, which could be a good alternative. Health insurance in Germany Since 2009, Germany has instituted a system of compulsory health insurance, which comes along with statutory nursing care insurance. But these rates depend on each health insurance company. This means if you wish to have an inlay instead of a crown you may end up with an 80% copayment. In addition, state German health insurers charge an additional ‘contribution rate’, which can fluctuate year-to-year depending on healthcare expenditure. 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. 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. Which expat health insurance do you need for your situation? Also, even if you get private health insurance you still have to pay into your pension and unemployment insurance if you make up to 6,700 Euros. 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 … GKV maintains an updated list of all state German insurance companies, where you can compare health insurance rates. However, unlike state health insurance, private insurance does not typically cover children and partners for free. The popular ones are AOK, TK, and Barmer. This means the state is likely to only offer partial coverage for major dental work. However, smaller insurance companies usually offer more benefits and can be slightly cheaper. You have to choose coverage for sick days separately at another 0.6% of your premium. The German state healthcare scheme covers around 90% of residents. For instance, with public health insurance you may have to wait for an appointment at a specialist if it’s not an emergency. This website is in English. Either way, your employer has to pay 50% of the costs. It’s also much easier to find a doctor who speaks your language if you have private insurance. Usually this kind of insurance is not worth the money, because the coverage is very limited but costs a lot. 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). While traveling the requirements are less strict and for all countries within the EU the same. Apart from supplementary group medical insurances, private medical group insurances are very rare, but possible to get if you run a company in Germany. Expat health insurance – international plans, from home! Skip to the Private Health Insurance section to find out more. These include large multinational insurers as well as local German providers, offering full and supplementary policies. If you’re self-employed, this insurance can be a good way to get income protection in case of any long term inability to work. If you’re insured through Social Security in your home country, you could get your European Health Insurance Card. Pensioners and people who receive unemployment benefits or assistance are also eligible for state healthcare. Menu ; Search... Close . Before you buy any insurance plan, be aware that prices aren’t the only thing to consider. are a student who renounces their state insurance. A qualified and experienced insurance broker specializing in expatriates will help you find the most suitable cover.If you are self-employed and were already covered by an international insurer before the cut-off date of April 1, 2007, you should check to make sure your coverage is suitable for living in Germany. That someone is you. It’s good, affordable coverage that fulfils the legal requirements for obtaining a visa or residence permit. Additional long term care insurance gets you better coverage than public health insurance and can help lower your financial burden in such a case. 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. But there is no guarantee that in your particular case German authorities will accept the coverage you have. Even though the website is in German, English inquires are okay. In addition to the 14.6% premiums paid for state healthcare, you must also join the state nursing care scheme (Pflegeplichtversicherung). But don’t worry, you will get the bill eventually. Long term care can be very expensive, especially if you have no family members to help you. Get quotes from these major providers to find the best health insurance for you and your family. Around one-in-10 residents opt for private health insurance in Germany. Under IPMI you don’t get free coverage for family members. However, you can choose either state or private insurance if you: Switching to a private fund isn’t always advisable. Each insurer must meet the government’s minimum regulations for healthcare. No one asks you who’s paying the bill before they help you. There are a number of private health insurance companies operating in Germany. 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