Editing Germany/Insurance/Health

{{DISPLAYTITLE:Health Insurance in Germany}}
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|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 ==

=== 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 ===

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 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 ==
* [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}}