How Do I Get Cheap Health Insurance - Health insurance in Germany is an important topic when moving here. As a beginner, it's normal to feel a little lost at first. Germany has the most sophisticated health care system in the world!
This confusion ends today. Based on industry experts and years of experience, this guide provides the best introduction to the topic, written for newcomers to Germany.
How Do I Get Cheap Health Insurance
Cup of tea), you will be able to understand your options and decide which German health insurance policy is best for you.
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Read more about the system and the typical situations newcomers face in Germany. . There is also a FAQ. If anything is still unclear, don't hesitate to ask in the comments section. Bastien
Is the most widespread German health insurance regime. This statutory insurance guarantees the standard coverage set by the German Social Code (SGB - Fünftes Buch). This system operates on the principle of solidarity, in which a healthy working population contributes to the care of the sick and elderly.
The good news: Your contribution is directly related to what you earn. Basic contribution rate for public health insurance in Germany is set at 14, 6%. Individuals
Then add another fee above (between 0, 2% and 2, 7%) for the decision. The national average is 15.7%.
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Employees pay their contributions directly through their payslips automatically. Freelancers and students must transfer themselves to the provider.
The general options are more or less the same and you will not feel different as a patient. The price difference is still unreasonable. But keep an eye on the quality of customer service, coverage rates for certain treatments that you may be interested in (e. g.; ergotherapy, homeopathy, etc.).
Techniker Krankenkasse is a favorite among foreigners due to its top rating & UK support. I have been with TK for 10 years now, and I recommend: Techniker Krankenkasse - long-term review
You can register online to receive a certificate quickly, which is useful for starting work or applying for a long-term residence permit ASAP:
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If you want to know what public health insurance is like in Germany, you can read the Techniker Krankenkasse review. It also has a report of my life as a patient for more than 10 years, one surgery and 2 births.
In short: just more waiting time with GPs and specialists is annoying. I never got the impression of receiving care/health care. Second because I with public Krankenkasse. I always like the customer service too.
It means that you are insured in the private Krankenkasse, if you earn more than 66 600 € per year (gross) as an employee. It is also an option for freelancers or for those who do not qualify for the public system for some reason. Standard coverage provided by private Krankenkasse is also regulated by law. However, the contribution is determined by the health risk assessment.
You can read here a special article to decide if private is right for you: Switching to private health insurance in Germany: consider this first
Health Insurance For Your Stay In Germany
Costs are not easy to estimate because they all come down to health information. Your picture, age and personal situation. Anyway, here are some rough numbers to get an idea:
The market is more complex and diverse. Since the contract is based on your personal preferences, it is difficult to compare and choose the right policy. You can read our full guide on this topic: Choosing the right private health insurance in Germany
Talk to an independent knowledgeable broker like Fur Insurance. used to talk to foreigners in all cases. Ottonova is also popular with foreigners.
Note that if you sign up with a private provider, you will need to get your social security number in person from the retirement office.
How To Choose Cheap Group Health Insurance?
The cost is shared between you and the employer and you have several options for you:
Health insurance for freelancers in Germany can be a significant burden. People with low incomes will pay relatively high fees. Here are the options available to you:
Getting coverage from your local Krankenkasse is often not possible if you are outside of Germany. For this, you need an intermediate solution to get you into Germany and get a visa, before switching to a local provider.
Providers such as Feather Insurance or Ottonova specialize in temporary German health insurance solutions that guarantee acceptance by the immigration office.
How To Get Health Insurance Without A Job
As an employee, your salary goes to these benefits through your paycheck. This safety net includes 60-67% of net wages, as well as health insurance costs for all unemployment benefits.
The German healthcare system takes care of your teeth with highly trained professionals and the latest equipment. Basic care is provided as standard by all healthcare providers in Germany:
Other more extensive treatments (such as periodontological treatments, fillings with premium components, crowns, dental implants, etc.) are considered separately. The health company will cover only 60% to 70% of the cost. Private providers will cover costs based on agreed contracts.
If you need more detailed information and whether you need dental insurance in Germany, do not hesitate to read this detailed article.
Costs Of Health Insurance In Germany
Costs related to psychological treatment for mental illness are covered by the general Krankenkassen, if the disorder is caused by another condition, even physical (depression in the case of cancer for example). But they recognize only 3 methods:
Private Krankenkassen may choose to cover methods/treatments other than those mentioned above. Look closely at the coverage included in the packages/plans you order.
Private health insurance is only available in certain cases. One is because you earn so much that your finances are forever safe and your money is best invested elsewhere. The other is because this is the only option you can buy now to move forward during your time in Germany. If you are not in one of these cases, switching to private is not worth it.
It is optional but not mandatory. You can also be with the public. It depends on your situation. If you are with the people, you will go to "Voluntary Contribution" (Freiwillig versichert). Self-employed people can also choose to be in the public system, to take advantage of the advantages, although the costs are higher compared to private management.
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(versichert) provides the same coverage and conditions as the general policy. However, your employer will not give you half of your contribution, but will pay a part called "maximum contribution share", set at 403, 99 €. This has the effect of increasing your net salary indirectly, as your employer will pay a lower contribution.
No. You can change and choose the provider you want, no matter which company you use.
The unfortunate answer is: it depends. In general, it can be considered affordable compared to other systems in a word, the actual contribution amount is linked to professional status & income. If you are with the public system, the contribution is determined by law at 14, 6% of gross income. If you are with a private provider, the contribution will be adjusted based on your health risk assessment. You can read more details in this post.
We hope this guide helps you understand health insurance in Germany and make better choices for your own policy. Good luck and feel free to comment if you have any questions. Bastien
Kansas Health Insurance
Active since 2011, I help newcomers to overcome all practical aspects of moving to Germany. Every day, up to 2500 visitors come looking for answers about registration, tax returns, unemployment, insurance, visa applications and more. Over the years, the value of this work has been recognized and featured in Expat.com, Slate.com, Berliner Zeitung, The Local and more.
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Storage or technical access is necessary to create user profiles to send advertisements, or to track users on one website or on several websites for similar marketing purposes. Imagine a local agent visiting you to tell you about the best health insurance plans they have. Your health needs. Like most people in India, you want to listen to them half heartedly and then ask them about the prescribed fee. If you are uncomfortable with the price of the proposed health insurance plan, you will ask them to talk about cheap health insurance, not knowing the impact of the discount on the benefits that are right for you.
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