Since 2009, everyone living and working in Germany must be covered by health insurance.
Our Health Insurance Service Explained
Public or Private Health Insurance Plans for Employees, Freelancers, Students & Visa Holders.
In brief:
- If you are employed and earn less than 64,350€ a year, you have no choice but choose Public Health Insurance - Sign up with TK for free now! [Add-on: Dental Insurance].
- If you are employed and earn more than 64,350€ a year, we recommend you to choose Private Health Insurance. Get a free quote from an independent insurance broker today!
- If you are unemployed, self-employed or currently looking for a job and you've just moved to Germany from a non-EU country, then you should sign up for Expat Health Insurance (limited to 5 years). Once you have a steady income, you can easily cancel and switch to Public or Private Health Insurance. Get expat health insurance now!
- If you are already a freelancer working in Germany with a steady income (more than 5,400€ a year), take out Private Health Insurance. This is often the only solution you have. Get a free quote from an independent insurance broker today!
- If you need health insurance to get a visa or residence permit then we recommend that you take out Expat Health Insurance. You can cancel anytime. Once you find a job in Germany, you can easily cancel and switch to public health insurance. Get expat health insurance now!
- If you are a university student under the age of 30, be sure to take out Public Health Insurance. TK has an incredibly affordable offer made just for students so be sure to take advantage of it! Sign up here. [Add-on: Dental Insurance].
- If you are in any other situation (job seeker, au pair, holiday workers, language student, guest researcher, tourist, etc.), we recommend that you take out Expat Health Insurance. This will not only make sure that you are covered in case of an accident, but it will also fulfil the legal requirement for living in Germany. You can switch easily to Public or Private Health Insurance at a later stage. Get expat health insurance now!
- Extra:
- Get Private Liability Insurance: It protects you against personal & property damage (third-party liability).
- Take out Home Contents Insurance: All your belongings (home contents) are insured in your main residence.
- Sign up for a Dog Liability Insurance: It covers you against physical or material damages your dog might cause to others.
HEALTH INSURANCE
FOR
RESIDENCE PERMIT HOLDERS
Non-EU citizens who plan to stay in the country for more than 90 days need to apply for a visa or a residence permit. Check out here if you need a visa to enter Germany.
The German Residence Act (Section 5 (1) (1)) states that for a residence permit to be granted or renewed, the applicant needs to prove that s(he) will be self-sufficient while living in Germany. Section 2(3) of the act states that part of self-sufficiency involves having adequate health insurance coverage.
When it comes to taking out health insurance, applicants for a German residence permit have two options: German private health insurance or international health insurance cover. However, international health insurance companies do not always fulfil the requirements demanded by German law.
German law states that foreign nationals lacking German state health insurance must provide evidence of another type of health insurance cover that meets the same requirements as German statutory health insurance.
That means that the policy must not:
• comprise any large-scale exclusion from benefits;
• demand high excess payments from the insured person;
• place limits on the costs that can be reimbursed if the insured person becomes ill;
• involve any indemnity or expiration clauses related to the age of the policyholder,
the activities they take part in, or any changes to the purpose of their residency in Germany.
Moreover, the policy must function as life insurance, i.e. it must not be designed to expire, or it must be automatically extendable or renewable.
The Bonn-based Bundesanstalt für Finanzdienstleistungsaufsicht (the German Federal Supervisory Authority for Financial Services) stipulates that all German statutory requirements for German health insurance, as laid out in Book 5 Sect. 257(2)(a) of the German Social Security Code, must be met by any agreement between an insured person and their insurers.
If you wish to discover whether your international health insurance policy is valid in Germany, one option is to ask the insurance company to confirm that they meet the German legal requirements. If they cannot provide such confirmation, it is likely that they do not meet the requirements.
See which German health insurance is right for you!
BProtected is a fully licensed, independent & experienced health insurance broker offering customer-friendly and personalized advice on every aspect of the German health coverage. They can help you find the option that best fits your budget and meets your needs.
HEALTH INSURANCE PROOF FOR VISA APPLICATION
(EXPAT HEALTH INSURANCE)
For your short-term stay in Germany and other EU countries, opt for a comprehensive cover combining foreign health insurance cover with travel accident cover and travel liability insurance cover.
No matter whether you are staying abroad for a long term or only for a short break – do not forget that health insurance is compulsory for the whole population in Germany.
This expat health insurance is the perfect solution for getting your visa easily accepted and enter Germany.
Can I use this health insurance for my visa application?
Yes. this expat health insurance meets all requirements for a German visa application.
Can I apply for a residence permit while in Germany or stay in the country long-term?
No! Expat insurances are a good option for your short-term stay in the country, but not for obtaining a residence permit at the aliens’ office (Ausländerbehörde) in Germany as they are not compliant with §257 SGB V, §61(6) SGB XI.
Get expat health insurance for your visa application!
Expat health insurance starting at 72€ a month. Get coverage for your visa application in 2 minutes.
Expat health insurance (sometimes referred to as “incoming insurance”) is a great solution for your first year or two in Germany. It’s good and affordable coverage that fulfils the legal requirements for obtaining a visa or residence permit.
Signup is simple and payments are made month-to-month. Cancel anytime with just one click.
Still some doubts? Request a free consultation with an expert now!
BProtected is a fully licensed, independent & experienced health insurance broker offering customer-friendly and personalized advice on every aspect of German health coverage. They can help you find the option that best fits your budget and meets your needs.