Difference between revisions of "Germany/Insurance/Health"
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(Created page with "{{DISPLAYTITLE:Health insurance in Germany}} The German health care system is divided into 2 branches * public healthcare * private healthcare Generally speaking, you need...") |
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| − | {{DISPLAYTITLE:Health | + | {{DISPLAYTITLE:Health Insurance in Germany}} |
| − | |||
The German health care system is divided into 2 branches | The German health care system is divided into 2 branches | ||
| Line 6: | Line 5: | ||
* private healthcare | * private healthcare | ||
| − | + | Your first decision is to pick one of them. | |
== How to find the right German health insurance for me? == | == How to find the right German health insurance for me? == | ||
| Line 16: | Line 15: | ||
== Simple cases == | == Simple cases == | ||
| − | === | + | === Employed in a regular job === |
If you are | If you are | ||
| Line 24: | Line 23: | ||
you must take the [[#Public|public option]]. | you must take the [[#Public|public option]]. | ||
| + | |||
| + | === Student under 30 === | ||
| + | |||
| + | If you are a student at an | ||
| + | |||
| + | * Universität (university) or | ||
| + | * Fachhochschule (University of Applied Sciences) | ||
| + | |||
| + | then the [[#Public|public option]] is almost always the cheapest choice (~100€/month). | ||
| + | |||
| + | === Student who needs a visa === | ||
| + | |||
| + | In this case, you probably also need a Blocked Account (''Sperrkonto''). There are interesting combined offers of both a Blocked Account and Health insurance, check a here a [https://berlincheap.com/blocked-account/ comparison of health insurance packages]. | ||
| + | |||
| + | === (Young) freelancer from outside EU & EEA === | ||
| + | |||
| + | If you are: | ||
| + | |||
| + | * young (under 30) | ||
| + | * freelancer / self-employed | ||
| + | * from outside EU & EEA (European Economic Area) | ||
| + | * plan to stay only a few years in Germany | ||
| + | |||
| + | then likely the [[#Private|private option]] is cheaper. | ||
| + | |||
| + | === Freelance artists and publicists === | ||
| + | |||
| + | You might qualify for the Künstlersozialkasse. They pay half of your health insurance and public pension insurance. It costs nothing, so it's really worth it. It just takes a lot of paperwork. | ||
| + | |||
| + | * [https://allaboutberlin.com/guides/ksk-kuenstlersozialkasse How to join the Künstlersozialkasse] | ||
== Setup an insurance option == | == Setup an insurance option == | ||
| + | |||
| + | === General === | ||
| + | * {{AffLink|Feather|feather-health}} is a Berlin-based, fully English-speaking option. They can advise you both about public and private health insurance and will find the best matching option for you. '''A consultation is free.''' | ||
=== Public === | === Public === | ||
| + | |||
| + | There are several public health insurance options. They do not differ so much in their price/rates because they are regulated by law: You always pay around 16% of your income. | ||
| + | |||
| + | So you rather want to choose them by the features they offer. For expats, options with an English speaking service are a big bonus – so with English information. | ||
| + | |||
| + | Besides, there is also a very helpful and '''free signup service''' from {{AffLink|Feather|feather-health}}: Instead of filling out a German form at the health insurance, you can simply reach out to Feather's signup services, get '''free advice''' and counselling in English and fill out an '''English form'''. | ||
| + | |||
| + | * [https://www.tk.de/en TK (formerly: Techniker)] – {{AffLink|English signup service|signup.tk}} | ||
| + | * [https://en.zuwanderer.aok.de/home/ AOK] – {{AffLink|English signup service|signup.aok}} | ||
| + | * [https://www.dak.de/dak/english-2082268.html DAK] – {{AffLink|English signup service|signup.dak}} | ||
| + | * [https://www.barmer.de/en Barmer] – {{AffLink|English signup service|signup.barmer}} | ||
| + | * [https://allaboutberlin.com/calculators/health-insurance Health insurance calculator] that shows what you can have, and how much you must pay. | ||
=== Private === | === Private === | ||
| + | |||
| + | Private options vary a lot by their coverage and their rates – often very much depending on your age and health status. | ||
| + | |||
| + | * {{AffLink|Feather|feather-health}} offers a private insurance with English support. Consultation is free. | ||
| + | * {{AffLink|Foyer Global Health|foyer-global-health}} speaks English, too, and can give you '''instantly a quote on their website''', so you know immediately what rates to expect. | ||
| + | * {{AffLink|Ottonova|ottonova}} is a new, fully English-speaking option. You can get '''free consultation''', without any signing up. | ||
| + | * [https://berlincheap.com/private-healthcare/ English translated calculator] by ''BerlinCheap.com'': Enter your details + contact and get a quote from various insurance options. | ||
| + | * [https://thegermanyeye.com/germany_health_insurance_comparison Private health insurance comparison tool] allows you to compare what other expatriates are paying for their coverage. | ||
== More guides == | == More guides == | ||
| + | * [https://berlincheap.com/healthcare/ Comparison of German Health Insurance Options] by ''BerlinCheap.com'' | ||
| + | * [https://allaboutberlin.com/guides/german-health-insurance How to choose German health insurance] by ''allaboutberlin.com'' | ||
| + | * [https://www.settle-in-berlin.com/health-insurance-germany/ Health insurance in Germany] by ''settle-in-berlin.com'' | ||
| + | * [https://www.howtogermany.com/pages/healthinsurance.html Health Insurance Options in Germany - 2020] by ''howtogermany.com'' | ||
| + | * [https://thegermanyeye.com/private-health-insurance-in-germany---pros-and-cons-3626 Pros and Cons of Private vs Public German Health Insurance] by ''thegermanyeye.com'' | ||
| + | * [https://germanyso.com/en/how-to-germany/healthcare/what-to-expect-from-health-care/ What to expect from German healthcare] by ''Germanyso'' | ||
| + | |||
| + | {{Notes}} | ||
Latest revision as of 12:41, 8 May 2023
The German health care system is divided into 2 branches
- public healthcare
- private healthcare
Your first decision is to pick one of them.
How to find the right German health insurance for me?[edit]
In many cases, you don't have a choice: For instance when you are employed and make less than around 60,750 € EUR per year (gross), you must pick the public system.
Here's a list of "simple" cases. If your case if more complicated, read a guide listed below.
Simple cases[edit]
Employed in a regular job[edit]
If you are
- part- or full-time employed
- earn less than 60,750 € gross per year
you must take the public option.
Student under 30[edit]
If you are a student at an
- Universität (university) or
- Fachhochschule (University of Applied Sciences)
then the public option is almost always the cheapest choice (~100€/month).
Student who needs a visa[edit]
In this case, you probably also need a Blocked Account (Sperrkonto). There are interesting combined offers of both a Blocked Account and Health insurance, check a here a comparison of health insurance packages.
(Young) freelancer from outside EU & EEA[edit]
If you are:
- young (under 30)
- freelancer / self-employed
- from outside EU & EEA (European Economic Area)
- plan to stay only a few years in Germany
then likely the private option is cheaper.
Freelance artists and publicists[edit]
You might qualify for the Künstlersozialkasse. They pay half of your health insurance and public pension insurance. It costs nothing, so it's really worth it. It just takes a lot of paperwork.
Setup an insurance option[edit]
General[edit]
- Feather[1] is a Berlin-based, fully English-speaking option. They can advise you both about public and private health insurance and will find the best matching option for you. A consultation is free.
Public[edit]
There are several public health insurance options. They do not differ so much in their price/rates because they are regulated by law: You always pay around 16% of your income.
So you rather want to choose them by the features they offer. For expats, options with an English speaking service are a big bonus – so with English information.
Besides, there is also a very helpful and free signup service from Feather[1]: Instead of filling out a German form at the health insurance, you can simply reach out to Feather's signup services, get free advice and counselling in English and fill out an English form.
- TK (formerly: Techniker) – English signup service[1]
- AOK – English signup service[1]
- DAK – English signup service[1]
- Barmer – English signup service[1]
- Health insurance calculator that shows what you can have, and how much you must pay.
Private[edit]
Private options vary a lot by their coverage and their rates – often very much depending on your age and health status.
- Feather[1] offers a private insurance with English support. Consultation is free.
- Foyer Global Health[1] speaks English, too, and can give you instantly a quote on their website, so you know immediately what rates to expect.
- Ottonova[1] is a new, fully English-speaking option. You can get free consultation, without any signing up.
- English translated calculator by BerlinCheap.com: Enter your details + contact and get a quote from various insurance options.
- Private health insurance comparison tool allows you to compare what other expatriates are paying for their coverage.
More guides[edit]
- Comparison of German Health Insurance Options by BerlinCheap.com
- How to choose German health insurance by allaboutberlin.com
- Health insurance in Germany by settle-in-berlin.com
- Health Insurance Options in Germany - 2020 by howtogermany.com
- Pros and Cons of Private vs Public German Health Insurance by thegermanyeye.com
- What to expect from German healthcare by Germanyso
Notes[edit]