HEALTH INSURANCE

It is compulsory to have health insurance in Germany while living or working in the country. There is a dual system in place, which means residents have a choice between private and state (Statutory) health insurance, provided certain criteria are met.

 

When choosing between state or private health care there is a lot to think about. Our partner has put together information below to help guide you. In general one can say that the right choice depends on the current situation as well as on future plans and needs. There is also a compulsory nursing care insurance (Pflegepflichtversicherung) that needs to be taken into consideration.

 

Contact us today and we will gladly put you in touch to receive qualified, independent, non-obligatory free consultation. 

GENERAL INFORMATION

State health insurance is mandatory unless you earn over €59,400 per year before tax, under €450/month or you are self-employed. In these cases you can choose to insure yourself privately instead.

Nursing care insurance is also compulsory; normally this insurance goes hand in hand with your medical insurance and is insured with the same company.

Your Employer will pay half of your health insurance costs (excluding the supplementary charge), however the maximum amount they will contribute is €323,03/month for your health care and €56,42/month for your nursing care insurance. Should the premiums be higher, the costs are covered solely by yourself.

The State Health Care Insurance

(Gesetzliche Krankenversicherung – GKV)

Premiums are determined by the amount of income you earn. You will pay a fixed percentage of your income for your health care - at the moment the basic premium is 14.6% with a supplementary charge of roughly 1% plus 2.55% for the nursing care insurance. The maximum monthly salary used to determine your premium is €4,425, which means the maximum premium that will be charged for your medical and care insurance is around €800/month (slight variations are possible due to the different supplementary charges charged by the different insurance companies operating within the State Health Care Insurance).

The 'GKV' is a family insurance, this means that partners with an income lower than €450/month and children are automatically insured with you at no extra cost.

There are, however, hidden costs in the 'GKV'. An excess of €10 will be charged for each day spent in hospital (max. €280) and up to €10 per prescription (only generics). Glasses are not covered and dental health is only partly covered. There is the possibility to compliment your health insurance through supplementary private insurance cover.

The 'GKV' is obliged to insure you regardless of your health history.

Private Health Care Insurance

(Private Krankenversicherung – PKV)

There is no family membership available in German private health care insurance, meaning everybody has to pay premiums. The premiums for private health care are based on age, specification of the health care cover and health. If you are single and earning well, it is normally possible to obtain a far superior health care coverage in comparison with the state health care plan for lower monthly premiums. It starts to get expensive if you have a partner who does not work or several children.

Once in the private health scheme, it is very difficult to go back to the state health scheme should you wish to do so. The 'PKV' is not obliged to offer you insurance should you not meet their entry criteria regarding health. Some private insurers will not insure people coming from abroad without them having lived in Germany for a period of time.

There are many different tariffs available making it possible to design the health care coverage that is tailor made for your needs. These range from the free choice of doctor or hospital, choice of hospital room (single room, double room, etc.), cover for alternative health care, dental care and opticians. Depending on the tariff you choose, you may have to pay excess charges on dental treatment or alternative health care. Doctors receive higher reimbursements from private health care patients meaning waiting times are normally far lower than for people insured in the state system.

Get the right consultation before choosing your health insurance!

The decision regarding which system to choose is one which should not be taken lightly. The advantages and disadvantages of both systems should be explained in detail before you reach the decision that is right for you. 

 

Contact us today and we will gladly put you in touch to receive qualified, independent, non-obligatory free consultation. 

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