How to get full health insurance in Germany as a foreign
Health insurance in Germany is mandatory for all residents, including expatriates and international independent health plans are not officially accepted as a substitute for a national insurance policy Insurance coverage is also a prerequisite for a residence permit or work.
You can switch from public to private health insurance if.
You are already in the public health system.
Your gross annual income exceeded 53,550 for the year.
Your employer transmits your contributions to the insurance company must notify you each time a switch is possible, he or she is likely to have an interest in this option and it can result in lower costs for company, too.
However, once you turn your back on public health insurance, you can not be readmitted to this Regulation is to prevent people moving back and forth every time their income decreases, premiums are high or when they have children.
Unfortunately, the private health insurance is not always a voluntary option Some conditions may also deny you admission to public health care.
You may be legally required to obtain private health insurance if.
Your gross income exceeded the annual limit of 53,550 for the last three years and will continue to do so.
And if you did not participate in public health insurance plan any EU member state for at least three years during the last five years.
If these two conditions are applicable, private insurance is usually mandatory In addition, third-country nationals who are neither employees nor exert a frequent activity for a university in Germany could be forced to take out private health insurance.
You can still choose private insurance company freely In principle, one can be denied membership, but not all private insurers accept foreign applicants.
Regardless of pre-existing health conditions, the company must offer an option with a pay rate capped at the maximum level of contributions of public health ith about 630 per month.
Getting a private insurance policy requires health checks and interviews age, occupation and pre-existing conditions all affect your premium.
In addition, a private insurance company may refuse to process your pre-existing conditions completely but if you do does your pre-existing conditions relate to the time of signing the contract, the insurance can cancel.
Be sure to mention any disease, especially if it is serious, reproduce, or rare Despite increase your premiums, your coverage will protect when treatment is necessary.
In private insurance, your premiums are based on your personal risk profile; public insurance, they are based on your income you and your employer have to pay each May 15 of your gross monthly income amounts to the maximum premium 630 circa.
But contributions to a private health insurance plan can be significantly lower than Sometimes you can negotiate premiums or excesses malus options The first reward you if you do not see a doctor for a certain period of time; it require you to make higher co-payments for hospitalization.
Some private health benefits can be purchased add-ons to the public health insurance We will examine this possibility below.
The signature with a public health insurance company is relatively easy you do need a checkup, and preexisting conditions never form a barrier If the private insurance option is not mandatory for you, all public insurers must admit you.
All insurance companies, whether public or private, must provide basic coverage This includes medical treatment, basic dental care, hospitalization, rehabilitation, and prescription drugs.
However, the public health plan requires the patient to make co-payments for these benefits you have to pay for all the glasses of vision products, contact you; you have to pay up to 10 for most drugs and hospital costs about 10 a day.
Private insurance companies generally offer lower co-payments, as well as additional benefits such as.
Hospital treatment by one of the leading physicians.
You can buy add-ons like private policies while contributing to public health.
Also take into consideration that you must continue to pay contributions to your private insurer, even when you are temporarily out of work or take a break because of illness In addition, premiums in the market for private health insurance tend to increase as you age.
The coverage of all German health insurance scheme, both public and private, extends automatically to emergency care during short-term trips to other EU Member States.
We do our best to keep this article up to date, however, we can not guarantee that the information provided are still underway or complete.
Coverage of German insurance costs InterNations, German, insurance, fees.