Editing Germany/Insurance/Health

{{DISPLAYTITLE:Health insurance in Germany}}
The German health care system is divided into 2 branches

* public healthcare
* private healthcare

Generally speaking, you need 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 ==

=== I am 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]].

== Setup an insurance option ==

=== 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:

* [https://berlincheap.com/go/signuptk TK] is said to have the best English speaking service.
* [https://en.zuwanderer.aok.de/home/ AOK]
* [https://www.dak.de/dak/mitglied-werden/english-1283388.html DAK]
* [https://www.barmer.de/en Barmer]

=== Private ===

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

* [https://www.ottonova.de/expats Ottonova] is a new, fully English-speaking option. They give you a free consultation.
* [https://berlincheap.com/private-healthcare/ English translated calculator] ''by BerlinCheap.com'': Enter your details + contact and get a quote from various insurance options.

== More guides ==
* [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''
@@ Line 1: / Line 1: @@
-{{DISPLAYTITLE:Health Insurance in Germany}}
+{{DISPLAYTITLE:Health insurance in Germany}}
 The German health care system is divided into 2 branches
@@ Line 5: / Line 5: @@
 * private healthcare
-Your first decision is to pick one of them.
+Generally speaking, you need to pick one of them.
 == How to find the right German health insurance for me? ==
@@ Line 15: / Line 15: @@
 == Simple cases ==
-=== Employed in a regular job ===
+=== I am employed in a regular job ===
 If you are
@@ Line 23: / Line 23: @@
 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.
+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:
-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://berlincheap.com/go/signuptk TK] is said to have the best English speaking service.
-* [https://en.zuwanderer.aok.de/home/ AOK] – {{AffLink|English signup service|signup.aok}}
+* [https://en.zuwanderer.aok.de/home/ AOK]
-* [https://www.dak.de/dak/english-2082268.html DAK] – {{AffLink|English signup service|signup.dak}}
+* [https://www.dak.de/dak/mitglied-werden/english-1283388.html DAK]
-* [https://www.barmer.de/en Barmer] –  {{AffLink|English signup service|signup.barmer}}
+* [https://www.barmer.de/en Barmer]
-* [https://allaboutberlin.com/calculators/health-insurance Health insurance calculator] that shows what you can have, and how much you must pay.
 === Private ===
@@ Line 77: / Line 39: @@
 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.
+* [https://www.ottonova.de/expats Ottonova] is a new, fully English-speaking option. They give you a free consultation.
-* {{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.
+* [https://berlincheap.com/private-healthcare/ English translated calculator] ''by BerlinCheap.com'': Enter your details + contact and get a quote from various insurance options.
-* {{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 Public and private health insurance in Germany: how to choose?] by ''allaboutberlin.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}}