How Much Does Private Health Insurance Cost Per Month - Health insurance is compulsory for the entire population in Germany. Germany has a multi-payer healthcare system with two main types of health insurance:
There are currently 112 public and 45 private health insurance companies in Germany. This is why many people look for the perfect experience when shopping for health insurance.
How Much Does Private Health Insurance Cost Per Month
No, it's illegal without insurance! By law, you cannot stay in Germany, even temporarily, without health insurance coverage. If you are not insured, your visa application or university admission will be rejected.
Powerful Infographic For Individual Health Insurance.
The European Health Insurance Card (EHIC) is issued by your national health insurance provider and is only valid during a temporary stay in Germany (as well as in any other EU and EEA country). If you are a resident of the European Union, you must apply for your EHIC before traveling to Germany. You should get information from your insurance provider for all terms and conditions in your country of origin.
If you have an EHIC, you are entitled to join the public health insurance scheme for free. To become a member, you just need to send your valid EHIC to your chosen fund. TK is the most popular public health insurance fund in Germany.
Important: If you decide to take up gainful employment in Germany, even for a short period, you must apply for German health insurance!
This can be quite dangerous because most foreign insurance companies are not registered with the financial regulatory authority in Germany, or B.Fine. Even international companies authorized in Germany often do not meet the requirements and standards set in the new reforms. Currently, almost no major international health insurance provides a German language certificate recognized by the visa authorities in Germany, so your visa or residence permit may be rejected.
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Update: Some foreign authorities (alien offices) reject most international health insurance plans such as MAWISTA or Care Concept.
No. In Germany, you do not automatically get an insurance card when you start working or studying. You must first register with the 'Krankenkasse' (German Health Insurance Fund). As an employee or student, you must inform your employer/university about which health insurance company you have chosen.
There are two different types of German health insurance: public health insurance (GKV) and private health insurance (PKV). While most people can qualify for public health insurance, it is harder and harder to be accepted by private health insurance (several conditions apply: age limit, ...).
I don't have a German address yet, can I apply for German health insurance? It depends. If you do not yet have a German address, you will not be able to become a member of a public health insurance company (eg Barmer, TK, AOK). By law, you must first do the so-called 'Anmeldung' (German address registration). Once your German address is registered with the "Bürgeramt" (local citizens' office), you will be able to apply for the appropriate German health insurance. More details here.
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If you apply for a German visa, you will need to prove to the German authorities that you already have recognized health insurance. In this case, you will need to apply for expat health insurance first and then sign up for public health insurance once you are registered.
Public health insurance is based on the principle of equality to ensure that everyone has access to health care services.
Germans rely on their state health system: about 85% of the German population is insured under the GKV (national health system).
More than 9.5 million people are insured with TK, the largest statutory health insurance provider in Germany. You can subscribe to TK here (it's free and in English!).
Private Health Insurance
Membership of public insurance is generally compulsory for employees (gross income below the social security threshold), pensioners (if registered with a statutory health insurance fund or covered by a family insurance plan for a certain period) and for people with social Get welfare benefits .
It is also possible to be voluntarily insured on public insurance. In general, these are eligible members of the public insurance fund who were previously on compulsory public health insurance but no longer fall into this category, e.g. Employees earn more than €64,350 per year (total 2021 data).
If you earn more than €64,350 per year, you can choose between public and private health insurance. In this case, the best solution would be to seek advice from an independent insurance broker who will find the most affordable plan for you in Germany.
When joining a public health insurance fund is mandatory, your employer must pay about half of the cost of health insurance and long-term care.
Health Insurance System For International Students In Germany
Although it is voluntary, your employer must also pay half of the contribution, but only for services covered by public health insurance. Ask your employer for details. The difference is mainly the price: once you go 'volunteering', you pay more!
Contributions to pensions and unemployment insurance are not affected. The employer must always pay them into the sickness fund.
According to the German Civil Code (Sozialgesetzbuch), the employer must also pay half of the expenses of each dependent family member.
Important: when it is on a voluntary basis, make sure you register with a legitimate health insurance within 3 months; After that period you will have less chance of being accepted!
Health Insurance: Premiums And Increases
Students, language students, students enrolled in university preparatory (language) courses, trainees (not for university purposes), scholarship holders and doctoral candidates are not entitled to public health insurance! Your best option is to take out Expat Health Insurance. Once you have found a job in Germany, you can easily cancel and switch to public health insurance.
The contribution is based on your income and is deducted from your gross salary each month. Your employer pays approximately half of the amount determined by law.
On top of that comes an additional premium that may vary depending on the health fund. In 2020 public health insurance payments are set at 14.6% + approximately 1% additional charge (depending on the provider), and 3.05% (3.3% if over 23 with children) long-term To provide supplementary nursing coverage .
As a freelancer, you may need to apply for private health insurance (not easy if you're new to Germany!). Continue reading our "German Private Health Insurance" section below for more details.
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Important: You can qualify for public health insurance if you already have public health coverage in Germany or in the rest of Europe and apply within 3 months of arriving in Germany.
Special case: There is a social security insurance scheme (SSI) for self-employed/freelance artists and writers (journalists, editors, writers, etc.). However, it is almost impossible to subscribe to public health insurance through the KSK scheme if you have already been covered by private health insurance for several years.
By law, all students enrolled at German state universities, state colleges and universities of applied sciences who complete practical training (as defined in the study regulations for a degree course) are subject to compulsory public health insurance. Without proof of health insurance, admission is not possible.
As a foreign student in Germany, you must insure yourself with health insurance if you are under 30 years old (until you reach your 30th birthday or until the 14th term of your studies). After that, you can still choose public health insurance, but on a voluntary basis.
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Students, language students, students enrolled in university preparatory (language) courses, trainees (not for university purposes), scholarship holders and doctoral candidates are not only entitled to public health insurance! Your best bet is to take out health insurance. Once you get a job in Germany, you can easily cancel and switch to public health insurance within 2-3 years.
Important: Foreign students who are privately insured (for any reason) but have not yet reached the age of 30 will need an exemption from public health insurance. After that, insurance with a legal health fund will no longer be possible!
It depends. If you come from EU/EEA countries, are under 30 years of age (until you reach your 30th birthday or 14th semester) and are in possession of an EHIC, you are exempt from taking out health insurance in Germany. You can, but you will need to provide proof of health insurance from your country of origin. You should get information from your insurance provider for all terms and conditions in your country of origin.
Important: Please use your EHIC to register with a statutory health insurance fund (ie TK) in Germany. The insurance fund will then provide confirmation of admission to the university.
Your Partner In Health Insurance
Yes, it is often cheaper than private health insurance. Public health insurance is offered at an average reduced rate of 110€ per month (including long-term nursing cover). Prices may vary slightly if you are married or have children. Contributions are set by law, so all national health insurance providers have the same monthly rates.
Yes, but... PhD students or students after the 30th birthday (or after the 14th semester) have to pay an additional individual rate or are sometimes not eligible to join the public health insurance at all.
Students, language students, students enrolled in university preparatory (language) courses, trainees (not for university purposes), scholarship holders and
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