Health Insurance Options for Expats in Germany

Since 2009, it has been a legal requirement for all residents, including expatriates, to have health insurance — either through the statutory system or private providers. This mandate ensures that everyone has access to necessary medical services, but it also raises questions about which type of coverage best suits individual needs.

This article will explore the various health insurance options available for expats in Germany, helping you make informed decisions that suit your needs.

Table of Contents

The German Healthcare System in a Nutshell

Germany’s healthcare system operates on a dual structure, combining public and private insurance options. The public health insurance model, known as Gesetzliche Krankenversicherung (GKV), covers around 90% of residents and is funded through a combination of employee contributions and employer premiums. Private health insurance (PKV) caters to higher earners and offers tailored packages that can provide quicker access to specialists and advanced treatments.

German Health Insurance for Foreigners

German health insurance landscape can be a daunting task for foreigners living and earning an income in Germany.

One of the first decisions is to opt for public health insurance (Gesetzliche Krankenversicherung). Public insurance tends to offer comprehensive coverage at a relatively affordable rate, especially beneficial for those with lower incomes ( less than €69,300 per year ) or families.
Private insurance (Private Krankenversicherung) can provide tailored plans that cater to specific needs, often including perks like shorter wait times and access to private hospitals, appealing to higher earners or those seeking specialized services.
For some, a combination of both systems might be the ideal route. This hybrid approach allows individuals to enjoy the broad coverage of public insurance while also accessing the tailored benefits of private plans for certain services.

Public Health Insurance in Germany for Expats

As an expat, understanding that the following categories are subject to only public health insurance is crucial. For those earning less than €69,300 per year, such as students, interns, and artists, public insurance offers comprehensive coverage without the burden of exorbitant premiums. If you are employed, you are automatically insured; your salary will be deducted for tax purposes, and you will contribute half of the insurance premium while your employer covers the other half.

Entrepreneurs and freelancers also have pathways to public health insurance, but they must navigate specific criteria to qualify.

To get enrolled in German insurance choose between the various public health insurance companies. Each provider offers unique benefits and coverage options, so it’s essential to compare them based on your specific needs. Feather Insurance will guide you through this process, ensuring you select a plan that suits your lifestyle and healthcare requirements.

For self-employed individuals, it’s important to note that they are not automatically included in the GKV system. Instead, they must actively apply to register with the GKV and choose a private health insurance option if they prefer. You will receive a health insurance card when registration is completed, granting you access to a wide range of medical services.

What Does Public Health Insurance Cover in Germany?

Public health insurance in Germany offers a comprehensive safety net for its members, covering a wide array of medical services.

GKV extends its coverage to mental health services
Patients can access therapy sessions with licensed professionals
Provides benefits for alternative medicine treatments, such as acupuncture or homeopathy
Doctor’s visits with a general practitioner (GP)
Out-patient and in-patient costs
Hospital stays and necessary surgeries
preventive care, such as vaccinations and screenings

Some medical services that are not covered which may require patients to pay themselves if they opt for these options.

Private Health Insurance for Expats in Germany

Private health insurance in Germany is a compelling option for expats, covering around 10% of the population and offering a range of benefits that can be tailored to individual needs. It’s available to you if you meet certain criteria, such as being self-employed, a civil servant, or earning above a specific income threshold. Unlike public insurance, which primarily depends on salary, private plans are based on personal health conditions and age, allowing for more customized coverage.

When registering for private health insurance, you will receive an insurance card that simplifies access to healthcare services. It’s important to note that this card does not need to be presented to medical providers at the time of treatment; instead, you’ll often pay upfront and later submit claims for reimbursement.

Tap here to find out if you’re eligible for private health insurance in Germany.

Health Insurance in Germany by Purpose of Stay

In Germany, the type of health insurance you require largely depends on your purpose of stay and employment type.

For students and researchers, the German health system offers a unique opportunity to access affordable public health insurance or private health insurance.
For expatriates moving for work, those holding a job contract typically qualify for statutory health insurance (GKV), which offers comprehensive coverage.
Freelancers and self-employed individuals may find themselves navigating the complexities of private health insurance (PKV), which can provide enhanced benefits but comes with a higher price tag and varying levels of service.
Tourists and short-term visitors should consider travel health insurance that ensures adequate coverage during their stay in Germany.
Retired expats register public health insurance, which offers comprehensive coverage. They should also consider for private health insurance.

Germany Health Insurance for Self-Employed/Freelancer Expats

For self-employed individuals and freelancers moving to Germany, navigating the health insurance landscape can be a daunting task. Unlike employees, expats can voluntarily take out private health insurance (PKV) or opt for the public system (GKV), depending on their income and personal preferences. The choice between these two options can significantly impact not only your finances but also the quality of care you receive. Both types have advantages and disadvantages that can significantly impact your financial and health security.

Private health insurance often provides faster access to specialists and tailored coverage. The price for private insurance varies by age, health status, and the level of coverage you choose, making it crucial to assess your individual needs before committing.

Public health insurance opens doors to comprehensive coverage. By paying the required social contributions, they can ensure access to a wide range of medical services, from preventive care to specialist treatments. The cost of health insurance for freelancers can vary significantly, depending on income and personal circumstances. With premiums starting at a minimum of €160 to €190 per month.

Germany Health Insurance for Foreign Retirees

For foreign retirees looking to spend their golden years in Germany, navigating the health insurance landscape can be a complex yet rewarding endeavor. If you have worked in Germany for over five years, you may be eligible for a pension, which can significantly influence your health insurance options. If you haven’t lived or worked in Germany before, securing a residence permit is essential. This step opens the door to various health insurance plans tailored for retirees, ensuring you receive the medical care necessary to enjoy your new life.

The German health insurance system, offers both public and private options that cater to varying needs of retiree. Remember that as you age, your insurance premiums are likely to increase. Feather Insurance offers a unique solution for retirees, simplifying the process of finding the right coverage.

How Much Does Expat Insurance Cost in Germany?

When considering expat insurance in Germany, it’s essential to understand that prices change depending on which path you go — public or private.

For those opting for public insurance, the contributions are based on a fixed social contributions rate of 14.6%, which is further supplemented by additional costs depending on income.
Private health insurance rates vary significantly, particularly as individuals age; typically, younger policyholders in their 30s can expect to pay between €200 and €300 per month.

Health Insurance Companies in Germany

Germany’s health insurance landscape is characterized by a dual system that offers both statutory and private options, creating a unique environment for consumers.

Public health insurance funds

The majority of residents are covered by public health insurance funds, known as “Gesetzliche Krankenversicherung” (GKV). Among the prominent players in this sector are AOK, Techniker Krankenkasse (TK), and Barmer GEK and KKH – Kaufmännische Krankenkasse, each offering unique benefits tailored to various demographics.

Private insurance companies

Private insurance companies, such as Allianz, DR-WALTER, Mawista, DKV and AXA, offer tailored plans that often provide quicker access to specialist services and a wider range of treatments compared to their public counterparts.

What to Do in Case of Emergency in Germany?

In the event of an emergency in Germany, knowing whom to call can make all the difference. The universal emergency number is 112, which connects you to ambulance and fire services. If you require police assistance, dial 110. If require Emergency doctor: dial 19 242. These numbers are available 24/7 and will connect you to trained professionals who can guide you through your situation.

If you’re in a public place and need immediate help, don’t hesitate to alert bystanders or staff; many are trained in first aid and can provide initial assistance.

Conclusion

To sum up, expats in Germany have a variety of health insurance options that cater to their unique needs and situations. Whether you opt for the comprehensive coverage of public insurance or the flexibility of private plans, understanding the nuances of each type is vital. It is important to assess factors such as eligibility, costs, and the specific services covered when making your decision. Remember that having adequate health insurance is not just a legal requirement; it also plays a significant role in ensuring peace of mind while living abroad.

FAQ

How do I know if I qualify for statutory health insurance?

You may qualify for statutory health insurance if you are employed in Germany, earning below a certain income threshold, or if you are a student or pensioner.

Can I switch from statutory to private health insurance?

Yes, you can switch from statutory to private health insurance if you meet the eligibility criteria, such as being self-employed or earning above the income threshold.

What is the cost difference between statutory and private health insurance?

Statutory health insurance is based on your income and typically costs around 14-15% of your gross salary, while private health insurance premiums vary based on age, health status, and coverage.

Are pre-existing conditions covered under private health insurance?

Coverage for pre-existing conditions varies by provider; some may exclude them or impose waiting periods, so it’s essential to read the policy details carefully.

Do I need health insurance immediately upon arriving in Germany?

Yes, it is mandatory to have health insurance in Germany. You should arrange coverage before or shortly after your arrival to avoid legal issues.

Can I use my home country’s health insurance in Germany?

Generally, no. Most foreign health insurances do not provide adequate coverage in Germany, so it’s advisable to obtain a local policy.

How do I choose the right health insurance plan for my needs?

Consider factors such as your income, age, healthcare needs, family size, and whether you prefer lower premiums with higher out-of-pocket costs or comprehensive coverage with higher premiums. Consulting an insurance broker can also help.

Do EU expats need health insurance in Germany?

Yes, all residents, including EU expats, are required by law to have health insurance coverage in Germany.

Is healthcare free in Germany for expats?

No, healthcare is not free in Germany. Expats are required to have health insurance, either through public or private providers, which involves monthly premiums.

Does Germany have universal healthcare?

Yes, Germany has a universal healthcare system that covers all residents, including expats, but participation in the system is mandatory through either public or private health insurance.