Difference between revisions of "Germany/Insurance/Health"
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== Setup an insurance option == | == Setup an insurance option == | ||
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+ | === General === | ||
+ | * [https://expatwiki.org/go/feather-health Feather] 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.''' | ||
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=== Public === | === Public === | ||
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Private options vary a lot by their coverage and their rates – often very much depending on your age and health status. | Private options vary a lot by their coverage and their rates – often very much depending on your age and health status. | ||
− | * [https://expatwiki.org/go/feather-health Feather] | + | * [https://expatwiki.org/go/feather-health Feather] offers a private insurance with English support. Consultation is free. |
* [https://expatwiki.org/go/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. | * [https://expatwiki.org/go/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. | ||
* [https://expatwiki.org/go/ottonova Ottonova] is a new, fully English-speaking option. You can get '''free consultation''', without any signing up. | * [https://expatwiki.org/go/ottonova Ottonova] is a new, fully English-speaking option. You can get '''free consultation''', without any signing up. |
Revision as of 13:47, 11 October 2020
Don't want to figure this out on your own? Then contact our free service CleverExpat for advice.
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).
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 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 option is cheaper.
Setup an insurance option
General
- Feather 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
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 you 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 Popsure*: Instead of filling out a German form at the health insurance, you can simply reach out to Popsure's SignupTK or SignupAOK, get free advice and counselling in English and fill out an English form.
- TK (formerly: Techniker) is said to have the best English speaking service.
- SignupTK.de – free English sign-up service
- AOK
- DAK
- Barmer
Private
Private options vary a lot by their coverage and their rates – often very much depending on your age and health status.
- Feather offers a private insurance with English support. Consultation is free.
- Foyer Global Health speaks English, too, and can give you instantly a quote on their website, so you know immediately what rates to expect.
- Ottonova 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
- Comparison of German Health Insurance Options by BerlinCheap.com
- Public and private health insurance in Germany: how to choose? 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