Best Most Affordable Health Insurance - Health insurance in Germany is one of the important topics that are moving. As a newbie, I think you might be worried about the whole thing. It is very common. Germany is often praised for having one of the best systems in the world. That may be true, but it is very difficult!
This confusion is over today. This guide aims to be the best intro out there. It is based on my research, years of experience, discussions with hundreds of innovators and relationships with industry players. At the end of this long guide (preparation a
Best Most Affordable Health Insurance
Cup of tea), you can understand your options and how to decide which German health insurance policy is best for you.
Student Health Insurance For Studying In Germany Guide
Read on for more details on the regular photo system and the common "side issues" new people face in Germany. There is also an FAQ. If anything is unclear, ask questions in the comments section.
It is the most widespread government in Germany. This statutory insurance is subject to a standard cover stipulated by German law. This ultimately dictates the contribution level for the individual, based on their income and personal living conditions. This system works on a solidarity basis, where health personnel contribute to the care of the sick and elderly when there is a need for it.
Good news: your contributions are directly related to what you earn. If you lower your income too early, your contributions will also fall. The basic contribution rate for health insurance in Germany is set at 14.6%. The person
Then add a fee on top (between 0, 2% to 2, 7%) in their opinion. The national average is 15.7%.
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Remember that freelancers, small employers and employees earning more than €62.5K can decide to stay with public providers. It is then called an "independent member" (
It is common (dare I say national) to understand that in terms of coverage, all public elections have been completed. Your everyday life as a patient has no influence on how well or how quickly you will be treated as a patient. The price difference is negligible. Pay attention to the quality of customer service, reimbursement rates for the specific treatments you are interested in (such as occupational therapy, homeopathy, etc.).
However, there is disagreement among newcomers about which company to contact: Techniker Krankenkasse. The reasons are simple: high scores and British support. I have been with TK for 10 years now and I can confidently say that it is the best health insurance option in Germany. I have done a full TK review and my experience with them in this post.
Once you have decided on an option, you can register online. Feather Insurance has teamed up with the popular Krankenkassen to provide the fastest service available. If you are in a hurry and need a document to start working or apply for a long-term visa ASAP, you can register here (100% in English):
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If you want to know what health insurance is like in Germany, you can read my Techniker Krankenkasse review. There is a story about my life as a patient for more than 10 years, an operation and 2 births.
In short, you sometimes have the feeling of being treated as a second-class patient, but this is almost always related to the speed of getting medicine or choosing a specialist. I never had the feeling that I would get second-rate healthcare/treatment because I am in a public health insurance fund. I have also always been happy with the customer service.
Although I can switch to private, I stay with public because I can cover my children with my policy before I pay. I am also generally opposed to this dual system because it does not lead to good maintenance of minimum costs to the public.
This means that you are insured in a private health insurance if you earn more than €64,350 per year as an employee. It is an option for freelancers or those who for some reason are not suitable for the public system. The general coverage from the private Krankenkasse is regulated by law. Subsidies are determined by a health risk assessment.
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As mentioned before, your score will be based on many factors, including age and services needed and is independent of income. To determine the exact amount of your contributions, you must go through a long questionnaire to check your medical history, and in some cases an examination is also necessary. But here are some ballpark numbers to give you an idea (these are approximate numbers, prices may vary depending on all the factors involved):
A good comparison to approach your decision-making process is to think about internet service providers. They have different plans and different service levels; the more complex and diverse the market. You need to listen, explore the market and choose something that suits your needs. A good place to work is comparison sites. You can choose options to define the coverage you want. These are common:
However, a price comparison page will not replace proper guidance about the service. If you want real people to talk about your insurance needs and avoid unnecessary fees, you might want to talk to an experienced independent broker like Feather Insurance. They have talked a lot with foreigners who look at personal options and know exactly how to respond to your problems and situation. And it is 100% service in English.
Please note that if you register with a private provider, you must manually apply for a social security number at the pension office.
Health Insurance In Germany: This Is How You Pick The Right Provider
Being employed in Germany is the safest position to have. The costs are shared between you and your employer, and you have many options at your disposal:
Running your own show can be a big drain on your monthly budget. This is one of the faults of the German system; People with lower incomes pay a higher amount for their health insurance in Germany. Here are the options you get:
If you are not an EU citizen and you love Germany so much that you intend to stay to study or get a job here, you must first obtain a residence permit. Regardless of your visa type, adequate health insurance is always required.
It is not possible to get cover from a local Krankenkasse when you travel outside Germany. For this you need an intermediate solution that allows you to enter Germany and obtain a visa before switching to a local service provider.
Best Individual Health Insurance Reference Guide
Good to know: if you have private insurance as a student, it can change to public when you start working. If you cannot find a job immediately and become unemployed, you can apply for ALG2 benefits, which cover these expenses.
As an employee, you pay for these services via your pay slip. This safety net covers 60-67% of your net salary, plus health insurance costs during your unemployment benefits.
If you are unable to provide ALG1 benefits/unemployed before (students, low-income workers, freelancers), you can apply for ALG2 benefits.
The German healthcare system takes good care of your teeth with trained professionals and modern equipment. Primary care is generally provided by all healthcare providers in Germany:
Key Facts About The Uninsured Population
Other treatments (e.g. periodontics, fillings with synthetic materials, crowns, dentures, dentures, cosmetic/aesthetic surgeries) are treated differently. ). Health insurance companies cover only 60% to 70% of the costs. If you take out private health insurance in Germany, you can decide exactly what is to be covered and how it is to be covered.
If you need more detailed information or if you need additional dental insurance in Germany, please read this detailed post.
Health insurance in Germany is not only about the body, but also about the mind. This area is part of the healthcare system and is covered to a certain extent.
Expenses in connection with psychotherapy for mental disorders are covered by the public health insurance fund, and if these illnesses are due to another illness, i.e. physical illnesses (depression in the case of cancer, for example). But they only know these 3 methods:
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The private Krankenkasse can choose to cover procedures other than those listed above. Be sure to check the amount of coverage you get in the package/plan you order.
Private health insurance is only suitable in limited cases. One of them is having more of your money that is always safe and that your money is better spent elsewhere. What's more, it's the only option you have right now to make the most of your time in Germany. If you are not in one of these cases, there is no need to change your privacy.
It is an option, but not an obligation. You can live with the crowd. It depends on
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