Difference between revisions of "Germany/Insurance/Health"

Revision as of 15:02, 4 March 2020

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?

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

Employed in a regular job

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

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).

(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 option is cheaper.

Setup an insurance option

Public

There are several public health insurance options. They do not so much in their price/rates because they are regulated by law: You always pay around 16% of you income.

So you rather can 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 Popsure*: Instead of filling out a German form at the health insurance, you can simply reach out to Popsure's SignupTK or SignupAOK, get advice and counselling in English and fill out an English form. They

TK (formerly: Techniker) is said to have the best English speaking service.
- SignupTK.de – free English sign-up service
AOK
- SignupAOK.de*
DAK
- SignupDAK.de*
Barmer
- SignupBarmer.de*

Private

Private options vary a lot by their coverage and their rates – often very much depending on your age and health status.

Ottonova is a new, fully English-speaking option. They give you a free consultation.
English translated calculator by BerlinCheap.com: Enter your details + contact and get a quote from various insurance options.

More guides

Public and private health insurance in Germany: how to choose? by allaboutberlin.com
Health insurance in Germany by settle-in-berlin.com

Template:Affiliate

@@ Line 5: / Line 5: @@
 * private healthcare
-Generally speaking, you need to pick one of them.
+Your first decision is to pick one of them.
 == How to find the right German health insurance for me? ==
@@ Line 48: / Line 48: @@
 === Public ===
-There are several public heal insurance options. Their prices are regulated by law, so you rather can choose them by the features they offer. Here are some with English information:
+There are several public health insurance options. They do not so much in their price/rates because they are regulated by law: You always pay around 16% of you income.
-* [https://berlincheap.com/go/signuptk TK] is said to have the best English speaking service.
+So you rather can 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 [https://getpopsure.com/expat-health-insurance?utm_source=expatwiki Popsure]*: Instead of filling out a German form at the health insurance, you can simply reach out to Popsure's [https://signuptk.de/?utm_source=expatwiki SignupTK] or [https://signupaok.de/?utm_source=expatwiki SignupAOK], get advice and counselling in English and fill out an English form. They
+* [https://www.tk.de/en TK (formerly: Techniker)] is said to have the best English speaking service.
+** [https://signuptk.de/?utm_source=expatwiki SignupTK.de] – free English sign-up service
 * [https://en.zuwanderer.aok.de/home/ AOK]
+** [https://signupaok.de/?utm_source=expatwiki SignupAOK.de]*
 * [https://www.dak.de/dak/mitglied-werden/english-1283388.html DAK]
+** [https://signupdak.de/?utm_source=expatwiki SignupDAK.de]*
 * [https://www.barmer.de/en Barmer]
+** [https://signupbarmer.de/?utm_source=expatwiki SignupBarmer.de]*
 === Private ===
@@ Line 65: / Line 73: @@
 * [https://allaboutberlin.com/guides/german-health-insurance Public and private health insurance in Germany: how to choose?] by ''allaboutberlin.com''
 * [https://www.settle-in-berlin.com/health-insurance-germany/ Health insurance in Germany] by ''settle-in-berlin.com''
+{{Affiliate}}