Affordable Health Insurance For Freelancers - My advice is to buy public health insurance if you want to live in Germany and your income as self-employed is less than 45.000.- EUR. If you are young and healthy, or know that your time in Germany is limited, then private insurance is a better option. Newly self-employed individuals in Germany may be prohibited from enrolling in public insurance.
If you earn more than 45.000.- per year as a self-employed person or 64.350.- Euro as an employee, I recommend that you sign up for private health insurance with a broker on which You can trust and are willing to see the details of the contract. The motivation for choosing private health insurance should be better treatment options, not cheaper prices, although good contracts can have both: better treatment and better prices than public insurance. However, low initial prices or poor contracts for private insurance can backfire, leading to higher costs later in life or in emergencies.
Affordable Health Insurance For Freelancers
Statutory health insurance costs between 14.6% and 15.5% of your income. There are slight regional differences. AOK is recommended for families living at the source of Baden-Württemberg. * Click here to view the AOK registration page in English.
Health Insurance For Self Employed & Freelancer In Germany
You may want to go back with the best public health insurance company as they all are more or less similar and provide almost the same services. Use *Check24 (German) to compare public insurance companies.
The Technicar Krankenkasse offers the best combination of value and service and holds top scores across multiple test sources. Techniker Krankenkasse is Germany's largest public health insurance company, covering one-eighth of the country's population with more than 10.5 million members.
My first doctor as well as my current employer in Berlin recommended Techniker Krankenkasse and my family has been with them ever since. When our kids were born we had to deal with them and at the same time there were a few accidents and hospitalizations but never a problem. They pay most of our medical bills without any hassle.
Techniker Krankenkasse is an established insurance company. Some communication and file downloads can be done online through their members-only area. They have an English website.
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All forms and documents as well as the online member area are in German language only. You always have the option of doing the paperwork at an institution where they can speak English. Their fast and efficient call center provides support in English.
With the basic services of Techniker Krankenkasse you can live well in Germany. Although they do not specifically cover health insurance for travel abroad outside the EU, they have partnered with Envivas to provide additional coverage (site in English).
If you are a Techniker Krankenkasse member, you can get additional global travel health insurance with Envivas for only 12.- EUR per year.
Public health insurance covers basic dental expenses. Annual dental cleanings are sometimes not included and can cost up to £150. Euro, some implants and inlays. Additional dental insurance can easily save you money and is recommended for anyone who needs to see the dentist frequently. *Feather dental insurance starts from 9.- EUR per month and their registration form and support are in English.
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Finding the best private health insurance plan can be difficult. It's hard to compare plans, and there's no one best solution for all situations. Here's why you should use an independent broker to buy private health insurance. Make sure you choose an independent broker who does not work for one company but can choose from multiple insurance companies.
*Feather and B-Protected are recommended and independent sources of English language insurance brokers. If you would like a personal and independent consultation with an agent with years of experience, I highly recommend calling *Alexander Kühne (direct link to his scheduling tool) based in Berlin.
I do not recommend purchasing private health insurance for students because public health insurance for students is very affordable. I encourage students to register for *Techniker Krankenkasse.
Overseas health insurance companies are companies that offer individual insurance plans that are not part of Germany's official public and private health insurance system.
Health Insurance Tips For Freelancers And The Self Employed
You can use expatriate health insurance to apply for any German residence permit such as Bluecard, Artist Visa, Student Visa, Freelance Visa, Job Seeker Visa or Work Visa, but very long term use of expatriate health insurance sources Not recommended.
If you stay in excess of migrant health insurance, no one will want to cover you, and you may have difficulty accessing the official healthcare system. If you need confirmation of health insurance from the Immigration Office (Ausländerbehörde), use Overseas Health Care only as a last resort. Switch from expatriate insurance to public or private health insurance as soon as possible.
I recommend * Register online with Techniker Krankenkasse, the largest public health insurance company, through Feather. Techniker Krankenkasse is the smart choice for German statutory health insurance for anyone earning less than 45.000. - EUR and for most staff and students.
Use a broker like *Feather to find out which private insurance plan is best for you, or if you would prefer to use *migrant insurance for your visa application.
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*Alexander Kuhne is an independent broker with many years of experience who may be able to make you a very good personalized offer.
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Checklist of steps to do once you get the apartment: registration, electricity and internet provider, moving services, ancillary insurance and potential scam alert. Health insurance in Germany is an important topic when visiting here. As a newbie, it's normal to feel a little lost in the beginning. Germany has the most complex healthcare system in the world!
This chaos ended today. Based on industry experts and years of experience, this guide provides you with the best introduction to the subject, especially for newcomers to Germany.
Cup of tea), you will be able to understand your options and decide which German health insurance policy is best for you.
Read on to learn more about the system and the specific situations newcomers to Germany may face. There is also a FAQ. If anything is still unclear, feel free to ask questions in the comment section. bastion
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It is the most comprehensive health insurance system in Germany. This statutory insurance guarantees standardized insurance coverage as stipulated in the German Social Law (SGB - Fünftes Buch). The system works on the principle of solidarity, in which an active and healthy working population contributes to the care of the sick and elderly.
Good news: Your contribution is directly linked to your earnings. basic
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