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Tips on health, car insurance and household before arrival.
News 5 Key facts about health insurance in Germany.
It is essential to provide health coverage priority.
For permanent foreign residents in Germany, health insurance according to the regulations of the German government is mandatory.
An exception can be made if you are delegated by your employer to work in Germany for a period defined in your contract of employment generally not exceeding two to a maximum of three years.
Health insurance comply with German regulations must include.
Compulsory insurance of nursing Pflegeflichtversicherung.
An assurance that insurance can not be canceled due to health problems once the patient is insured.
The reserves of at least 10 should be taken to stabilize the pension premiums.
Failure to obtain adequate health insurance in place in a timely manner can result in fines collected.
This problem may become critical when you file your first tax return, you must specify the amount you paid for health insurance and provide a corresponding declaration of your health insurance company.
As an employee earning a fixed salary in 2017 over 57 600 euros you can opt for health insurance in the public or private system.
If you are an independent private coverage is the only option for you and your family This is usually true for foreign retirees joined Germany.
3-step checklist that you need to get private health insurance.
To set up private medical care, you should answer detailed health issues begin to gather information about your medical history up to five years.
Medical records are easier to obtain before moving to Germany.
Important If the medical documentation are not in German, you may be required to provide a translation.
If you currently have a medical or dental treatment, try to get duly form if possible before trying to get private health coverage in Germany.
Get a confirmation of your current health insurance company showing the details of your coverage with them.
You may feel that it is unfair that compliance with the German regulations require that you give up your current health insurance - especially if you are very satisfied with the provided health coverage.
But it is the law better take into account and start planning now to start your new life in Germany with a very unpleasant surprise.
If you have been driving for many years you have built a bonus in your country of origin for newcomers German insurance companies are willing to consider in the determination of a bonus-BCN This claims is an attempt to ensure that the premium reflects quite well how a person has been taken in the past.
However, NCB systems vary from country to country and certificates confirming the NCB vary more or may even come Some insurance companies refuse to send letters abroad or to produce something more a standard letter, which is often not the Customer adequate care for former clients can be quite say Get it all solved by telephone and mail abroad can be daunting and can not be any quite successful.
It is worthwhile to get this right, however, as no claim bonus, once it was established, remains with you in Germany even if you change your insurance company if you can not provide the documents you may end up paying 230 regular premium When you leave Germany your NCB will be documented in a certificate for the following insurance company So every percentage point lower means savings over a long period.
Before moving to Germany to talk to your current insurance company explain the above to them and why it is important to ask you to provide a document that includes the following elements.
Type of vehicle insured vehicle, motorcycle, camper, etc.
Type of insurance - liability, quite complete.
Date the insurance commenced expressed in DD MM YYYY This is sometimes a problem Your current insurer probably based its NCB on your records with previous companies try to get the confirmation to go as far as possible If necessary, may have to chase the records to a number of previous insurers, which can be extremely time consuming, but worth the long term pain.
Date the insurance ceased expressed in DD MM YYYY Your German insurer needs to know that you have stopped using the NCB at home So if you just use your insurance until the day you leave to make sure your insurer is ready to confirm the date the policy ended and send the documents as soon as possible for you.
The certificate must also indicate whether there were breaks in the insurance and when.
Date of any claims made and a description of what they did to the responsibility, quite complete, fire, theft, etc.
To top it all, this document must be provided by the insurance company itself not your broker and must be an original no faxes or emails.
If you have more torque, it makes sense for both partners to do the above, just in case you decide you want a second car at some point.
This covers your property against risks include damage caused by fire, windstorm, hail, burglary and damage by water dripping faucet, and in some policies, floods or avalanches, etc.
One way to assess the value to be insured is based on an estimated value per square meter, which is usually 650 Euros The insurance company agrees that for the assessments made on that basis, they will not make a deduction for the sub insurance in case of claim.
However, assuming that your new apartment is 150 square meters it can result in a total of 97500 insurance If you are setting up at home this could be too high.
If you ship your furniture, you'll be invited to the value of your property and this together with the items you buy when you arrive could, at least initially, a more realistic sum to ensure Keep your eye on the evolution well your property accumulates.
If you need to make a claim because such a fire, it will be helpful if you can provide receipts for at least the valuables So this is something to take with you when you come to Germany.
How Germany Tips on health and car insurance before the arrival of households, Germany, guidance, health, household.