Which Health Insurance Is Better - Health insurance in Germany is one of the most important topics. As a beginner, I think you might be worried about all this. It is very common. Germany is often praised for having one of the best systems in the world. It may be true, but it is very difficult!
This confusion is over today. This guide aims to be the best intro. It is based on my research, years of experience, discussions with hundreds of innovators and relationships with industry players. At the end of this long guide (preparation a
Which Health Insurance Is Better
A cup of tea), you can understand your options and how you can decide which German health insurance policy is best for you.
How Much Does Health Insurance Cost? Price Factors
Read on to learn more about the general picture system and the common "side jobs" new people face in Germany. There are also frequently asked questions. If something is not clear, ask questions in the comment section.
It is the most widespread government in Germany. This statutory insurance is subject to the standard insurance defined by German law. This ultimately dictates the level of contributions for each individual depending on their income and personal living conditions. This system works on the basis of solidarity, where health workers take care of the sick and the elderly when the need arises.
The good news: your contributions are directly related to your earnings. If you reduce your income too quickly, contributions will also decrease. The basic premium for health insurance in Germany is set at 14.6%. Person
Then add a fee (from 0, 2% to 2, 7%) on top according to their opinion. The national average is 15.7%.
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Remember that freelancers, small employers and employees earning more than 62, 5K € can decide to stay with public providers. Then called an "independent member" (
In terms of lighting, it is common to understand that all public elections are done (I mean national). Your daily life as a patient has no bearing on how well or how quickly you will be treated as a patient. The price difference is negligible. Be aware of the quality of customer service, reimbursement rates for specific treatments you are interested in (eg, occupational therapy, homeopathy, etc.).
However, there is disagreement among newcomers about which company to apply for: Techniker Krankenkasse. The reasons are simple: high scores and British support. I have been with TK for 10 years now and I can confidently say that it is the best health insurance option in Germany. In this article, I have reviewed a complete TK and had experience with them.
After deciding on the option, you can register online. Feather Insurance has teamed up with the famous Krankenkassen to provide the fastest service. If you are in a hurry and need a document to quickly start work or apply for a long-term visa, you can register here (100% in English):
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If you want to know what health insurance is like in Germany, you can read my Techniker Krankenkasse review. I have a story of my life as a patient for more than 10 years, one operation and 2 births.
In short, you sometimes feel like you're being treated as a secondary patient, but this is almost always related to the speed of medication or the choice of specialist. Since I am with a public Krankenkasse, I have never felt that I would receive second-rate healthcare/treatment. I have always been satisfied with their customer service.
While I may switch to private, I stay with public because I can cover my kids on my policy before paying. I am also against this dual system in general, because it does not lead to a good maintenance of minimum costs for the public.
This means that if you earn more than €64,350 per year as an employee, you are insured by the private Krankenkasse. This is an option for freelancers or those who for some reason do not fit into the public system. The general coverage provided by the private Krankenkasse is regulated by law. Grants are determined by health risk assessment.
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As mentioned earlier, your score will be based on many factors, including age and services required, and is independent of income. To determine the exact amount of your contributions, you will have to go through a long questionnaire to check your medical history, and in some cases, an examination is also necessary. However, here are some ballpark figures to give you an idea (These are approximate figures, prices may vary depending on all the factors involved):
A good comparison 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 listen, research the market and choose something that suits your needs. A good place to start is comparison sites. You can select options to determine the coverage you want. These are common:
However, a price comparison site is no substitute for proper service guidance. If you want real people to talk about your insurance needs and avoid unnecessary fees, you may want to talk to an experienced independent broker like Feather Insurance. They have talked a lot with foreigners who look at personal options and know exactly how to respond to your problem and situation. And the service is 100% in English.
Note that if you sign up with a private provider, you must manually apply for a social security number from the pension office.
Group Health Insurance Vs Individual Health Insurance
Being an employee in Germany is the most secure position. The costs are split between you and your employer, and you have many options at your disposal:
If you're running your own show, this can be a huge drain on your monthly budget. This is one of the defects of the German system; In Germany, people with lower incomes pay a higher amount for health insurance. Here are the options you are given:
If you are a non-EU citizen and you love Germany so much that you intend to stay here to study or work, you must first obtain a residence permit. Adequate health insurance is always required regardless of visa type.
It is not possible to purchase coverage from the local Krankenkasse when traveling outside of Germany. For this, you need an intermediate solution that will allow you to obtain entry and visa to Germany before switching to a local service provider.
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Good to know: if you have private insurance as a student, you can switch to public insurance when you start working. If you can't find work right away and are unemployed, you can apply for ALG2 benefits to cover those costs.
As an employee, you pay for these benefits with your salary. This safety net covers 60-67% of your net pay plus health insurance costs for the duration of your unemployment benefits.
If you were previously unable to secure ALG1 benefits/unemployed (students, low-income workers, freelancers), you can apply for ALG2 benefits.
The German healthcare system takes good care of your teeth with experienced professionals and modern equipment. First aid is generally provided by all healthcare providers in Germany:
Is Group Health Insurance Better Than Individual Health Insurance
Other treatments (e.g. periodontics, fillings with synthetic materials, crowns, dentures, prostheses, aesthetic/cosmetic surgery) are treated differently. ). Health insurance companies cover only 60%-70% of the costs. If you go with private health insurance in Germany, you can decide exactly what is covered and how.
If you need more information or additional dental insurance in Germany, please read this detailed article.
Health insurance in Germany is not only about the body, but also about the soul. This area is part of healthcare and is covered to some extent.
Costs related to psychotherapy for mental illnesses are covered by the public Krankenkassen and if these illnesses are caused by another illness, i.e. physical illnesses (e.g. depression in the case of cancer). But they only know these 3 methods:
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The private Krankenkassen may choose to cover procedures other than those listed above. Make sure you check the amount of cover you get in the package/plan you book.
Private health insurance is only suitable in limited circumstances. One of them is that your money is always safe and your money is more to spend elsewhere. The other thing is that it is the only option you have now to succeed while you are in Germany. If you are not in one of these situations, there is no need to change your privacy.
This is an option, but not an obligation. You can live with the crowd. It depends
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