Health Insurance For Retired People - Health insurance in Germany is one of the most important issues when moving here. As a newbie, I think you should feel a little confused about it. This is completely normal. Germany is often praised for having one of the best systems in the world. This may be true, but it is also very confusing!
Well, this confusion ends today. This guide aims to be the best introduction. It is based on my research, years of experience, conversations with dozens of newcomers and conversations with industry players. At the end of this long guide (prepare a
Health Insurance For Retired People
Cup of tea), you will be able to understand your options and how to decide which German health insurance policy is best for you.
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Read more about the system for general profiles and "crisis cases" faced by newcomers to Germany. There is also an FAQ. If something is still unclear, ask questions in the comment section.
This is the most common regime in Germany. This statutory insurance guarantees a standardized cover defined by German law. The latter also determines how high contributions must be based on the individual's income and living situation. This system operates on the principle of integration, where the active healthy working population participates in the care of the sick and elderly when relevant.
The good news: Your contributions are directly related to what you earn. If you face a sudden drop in income, contributions will also decrease. The basic contribution rate for public health insurance in Germany is set at 14.6%. personal
Then add another fee (between 0.2% to 2.7%) at your discretion. The national rate is 15, 7%.
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Note that independent people, small workers and employees earning more than 62, 5K € can decide to stay with public providers. Then it is called "voluntary membership" (
It is a common, (dare I say national) perception that when it comes to coverage, all public options are created equal. In your daily life as a patient, it has no effect on how well or how quickly you will be treated as a patient. The difference in price is also less. Instead, look at the quality of customer service, coverage rates for specific treatments you're interested in (eg occupational therapy, homeopathy, etc.).
However, there is a clear consensus among newcomers about which company to apply for: Techniker Krankenkasse. The reasons are simple: high ratings and English support. I have been with TK for 10 years, and I can confidently recommend it as the best public health insurance option in Germany. I did a full TK review and my experience with them on this post.
Once you have made a choice, you can simply register online. Feather Insurance has partnered with the most popular public Krankenkassen to provide the fastest costs. If you are in a hurry and need a certificate to start working or apply for a long-term visa as soon as possible, you can register there (100% in English):
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If you want to know what public health insurance is like in Germany, you can read my review of Techniker Krankenkasse. I also have a patient life record of 10 years, one surgery & 2 births.
In short, you sometimes feel like you're being treated a bit like a second-class patient, but it almost always depends on how quickly you get treatment or an appointment with a specialist. Since I was with the public Krankenkasse, I never felt like I was receiving second-class healthcare/treatment. I have always enjoyed the customer service as well.
While I could theoretically switch to private, I'm sticking with public because I can cover my kids with my policy instead of paying more. I am also generally opposed to this bi system because it does not seem to lead to better care at lower cost overall to society.
Means that you are insured in the private Krankenkasse, provided you earn more than €64,350 per year as an employee. It is also an option for freelancers or for those who for various reasons do not fit the general system. The standard coverage provided by the private Krankenkasse is also regulated by law. However, contributions are determined by health risk assessment.
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As previously mentioned, your rate will depend on many factors, including age and desired services and is unrelated to income. To determine the correct amount of your contributions, you will have to go through a long questionnaire to go over your medical history and in some cases an examination is also required. However, here are some ballpark numbers to get an idea (These are approximate numbers, the price range varies greatly due to all the factors involved):
A good analogy to approach your decision-making process is to think about Internet service providers. They have different plans and different levels of service; the market is more complex and diverse. You need to pay attention, search the market and choose something that suits your needs. A good place to do this is comparison platforms. This allows you to select options to specify what coverage you want. These are usually:
However, a price comparison platform does not replace proper guidance about the service. If you need real people to talk about your real need and avoid unnecessary premiums, you may want to talk to expert independent brokers like Feather Insurance. They talk closely with foreign nationals who are looking for specific options and know exactly how to respond to your problem and situation. And it is served 100% in English.
Please note that if you register with a private provider, you will need to manually request a social security number from the pension office.
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In Germany, employment is the most secure position. Costs are shared between you and your employer and you have several options:
Hosting your own program can be a big hole in your monthly budget. This is certainly one of the shortcomings of the German system; Low-income people pay a relatively high amount for their health insurance in Germany. Here are the options available to you:
If you are not a citizen of the European Union and you like Germany so much that you intend to study or find work here, you will first need to get a residence permit. Regardless of your visa type, adequate health insurance is always a must.
When you are outside Germany, it is usually not possible to get coverage from the local Krankenkasse. For this you will need an intermediate solution to give you German entry and visa acquisition, before going to a local provider.
Retirement Health Insurance Plan
It's good to know: if you had private insurance as a student, it is possible to switch again when you start a job. If you cannot find work immediately and become unemployed, you can apply for ALG2 benefits, which also pay for them.
As an employee, your pay is included in those benefits through your paycheck. This safety net covers 60-67% of your net salary, as well as your health insurance costs for the entire period of unemployment benefits.
If you could not already participate in ALG1/unemployment benefits (students, small workers, self-employed), you can apply for ALG2 benefits instead.
The German healthcare system takes good care of your teeth with trained professionals and modern equipment. Primary care is provided as standard by all healthcare providers in Germany:
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Other more comprehensive treatments (such as periodontology treatments, fillings with premium components, crowns, dental implants, tooth replacement, aesthetic/appearance-related surgery) are treated separately. Public healthcare companies will cover only 60% to 70% of the cost. If you go with private health insurance in Germany, you will be able to decide exactly what will be covered, and how it will be covered.
If you want more detailed information and whether you really need a supplementary 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 field is also a part of health care and depends on it to some extent.
Costs related to psychotherapy for mental illnesses are covered by the public Krankenkassen, even if those illnesses stem from another condition, even physical (for example, depression in the case of cancer). However, they only recognize those 3 methods:
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The private Krankenkassen may choose to cover other methodologies/treatments than those mentioned above. Check your coverage level carefully in the package/plan you book.
Private health insurance only makes sense in a few situations. One is because you earn so much that you are financially secure forever and your money is better invested elsewhere. Another is because it is the only available option that you can currently pay to improve your time in Germany. If you're not in either of those situations, the private exchange isn't worth it.
This is optional but not mandatory. You can also stay with the people. It depends
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