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We explain public and private health insurance arrangements in Germany and what both options offer foreigners working abroad and in the country.
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Foreigners living in Germany are eligible for state medical services. This is funded by the Social Security Fund. However, high-income people must apply for private health insurance. which can provide shorter waiting times and better hospital conditions.
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The COVID-19 pandemic has been a difficult time for everyone. Many foreigners find themselves separated from their family and loved ones in their country. as a foreigner It is sometimes difficult to find important data on coronavirus infection rates. Local Measures and Restrictions And now even thanks to vaccination.
The German healthcare system is one of the best in Europe. All foreigners living and working in Germany can use state-subsidized medical services. But all residents must have some form of health insurance.
Once you are in Germany It is necessary to register with the German statutory health insurance scheme (
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By law, all German residents must be insured for in-hospital and outpatient medical care. And proof of health insurance is required when applying for a German visa.
The vast majority of German workers remain on the public health insurance system. But in some cases it is possible to take out more comprehensive private health insurance.
The German health insurance contribution is split between the employer and the employee. Whether you use a private plan or a public plan.
Both EU and non-EU citizens working in Germany are required to obtain compulsory state health insurance. (called statutory illness insurance or
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The public health care system covers people in paid employment or vocational training. This includes apprentices and apprentices earning less than €60,750 per year (2019 figures).
Spouses, partners, and children (up to age 23 or age 25) of people on state health insurance are eligible for family joint insurance under certain conditions.
They don't have to pay contributions. If the income does not exceed €415–450 per month depending on the situation
Previously, self-employed people contributed an estimated monthly income of €2,284, which meant low-income earners had to pay unreasonably high premiums.
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However, the minimum income limit has now been lowered to 1,038 euros, potentially reducing contributions by hundreds of pounds for low-income earners.
If you are studying at a state-recognized university or institution in Germany You will have to pay premiums for medical and health expenses.
This is now around 80 euros per month if you are over 25 and have no children until 25. Full-time learners can be covered free of charge under family health insurance.
International students who are not part of their home country's healthcare system and cannot join the public system (e.g. international postgraduate students) can get health insurance for about 25-30 euros per month.
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EU citizens (EU), EEA or Switzerland will be allowed to receive the same medical treatment as German citizens. If they are traveling to Germany or as a temporary visitor
To qualify for state medical care You will need to obtain an EHIC (European Health Insurance Card) before you arrive. Residents planning to live or work in Germany for more than a year should take out German health insurance or join a private insurance company.
Foreigner-friendly insurance brokers like Feather can help you find health insurance plans that cover your medical needs in a language you understand.
Temporary visitors from outside EU member states may claim state health care under a reciprocal agreement with their home country. Otherwise, medical expenses or travel insurance must be paid.
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These basic services are available across the board. But if you need private medical care or your own hospital room. You will need an additional personal medical plan.
Some specialist care, such as eye care, dental care, and alternative medicine They are not available in the public domain or have limits on what you can claim. Mental health care in Germany is available through the public system. But you may find a more expansive choice privately.
If you choose to give birth in a private hospital You should check if private health insurance covers it. and see how much you'll pay for maternity and baby care
If you have public health insurance in Germany It is likely that routine dental treatments (e.g. fillings, dental hygiene) or dental emergencies will be covered.
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However, the amount of co-payments has increased due to pressure on the healthcare system. This means the state is likely to provide only partial coverage for critical dental work. Residents with private insurance should review their plans to see what dental coverage is available. Companies that offer private dental insurance in Germany include:
Otherwise, German dental insurance can either be a supplement to your health insurance plan or as a stand-alone insurance.
Dental insurance in Germany is generally low cost. It costs about 10-20 euros per month, although there are higher premiums for better coverage or lower co-payments.
) before agreeing to any treatment, including dental coverage, in your country of Germany.
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State health insurance includes sickness benefits. Your employer will pay you up to six weeks' wages. Your health insurance company will pay 70% of your regular salary for up to 78 weeks (over three years) thereafter.
) Pay up to €3,176 per month before taxes. If you earn more than that Consider purchasing additional medical expenses insurance.
Your employer usually registers you with a regional German health insurer. However, you are free to choose which insurer you prefer. And you can do this by notifying the employer within two weeks of starting the job.
This is usually a fairly straightforward process and involves bringing your passport and residence permit to the regional office and filling out forms.
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There are several German health insurers and international health insurers. Factors that may influence your decision include the insurer's contribution rate. additional services ease of contact or the availability of English language information.
GKV maintains a list of all German state insurance companies. where you can compare health insurance quotes
About 1 in 10 residents in Germany chooses private health insurance. About 40 companies oversee the private health insurance market. Because of this, there are many packages that suit different budgets.
Whether you are eligible to switch from state to private health insurance funds depends largely on your employment status.
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If you earn less than €60,750 per year (or about €5,063 per month), you must be in the legal system.
It is not always advisable to switch to private funds. Insurance premiums depend on individual factors and prices increase with age. health risks and adding family members
If you are young and have minor health problems and have sufficient income Switching to private insurance is also a good option.
However, if you have serious health problems and are having trouble getting into a private program in Germany You can choose another alternative.
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Insurance fund members are usually valid for 18 months. You can usually change your health insurance with two months' notice before the 18-month expiration date, or whenever an increase or increase is announced. (usually checked every year)
In addition to specialist treatment and better accommodation, You will have access to physicians who have restricted their practice to private patients only.
Resulting in shorter waiting times. And you don't have to pay an additional co-payment for the medication. It's also easier to find a doctor who speaks your language if you have private insurance.
State health insurance contributions are based on your income. While private health insurance contributions depend on your risk profile. This includes your age and medical history.
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If you choose a private route Usually, you'll need to pay your doctor's fees up front and apply for reimbursement later. Unlike state health services, any treatment tends to run out some time after that.
However, you will usually be reimbursed in full. This is unlike state medical care where you usually pay some of the costs.
In general, you can choose the level of excess fees or deductible fees. You can choose to pay a certain amount each year (
There is also no obligation to stay with the company for 18 months, even if the insurance company has conditions.
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There are several private health insurance companies operating in Germany. This includes large multinational insurance companies and local German carriers. which offers a comprehensive and complementary policy German health insurance providers include:
You can compare private health insurance providers in Germany and get a free quote on our special health insurance page and with the tools below from GKV and PVK (in German).
German social security contributions cover medical expenses. And about 120 insurance companies are responsible for managing access to healthcare in the state.
In 2019, the state
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