All persons residing in Germany are required to have health insurance in Germany, which can be obtained through a number of public and private health insurance providers. Germany has one of the best healthcare systems in the world, and its health insurance policies are no exception. In this article, we will take a closer look at the German health insurance system, and the different types of coverage available, and explore some of the considerations to keep in mind when choosing a provider for foreigner.
1.0 German Health Insurance System
The German health insurance system is divided into two main categories: statutory health insurance (public) and private health insurance. Both types of plans provide comprehensive health coverage, with access to a broad range of healthcare services, such as hospitalization, preventative care, and prescription drugs.
1.1 Difference between public and private health insurance
The main difference between public and private health insurance is the way in which premiums are calculated. In the public system, premiums are determined based on a percentage of income, while private insurance premiums are based on individual risk factors, such as age, health status, and pre-existing conditions. Additionally, private health insurance offers more flexibility in terms of accessing medical services and may provide access to private hospitals.
1.2 Public (statutory) health insurance in Germany
Public health insurance is statutory health insurance, with coverage provided by a number of insurance funds. Everyone is eligible for statutory health insurance, regardless of income or medical history. The coverage is comprehensive, with patients having access to a broad range of medical services. The cost of premiums is shared between the employee and the employer, with the employer paying the bulk of the cost.
1.3 What insurance provider options are available in Germany?
There are several health insurance providers in Germany, with the majority being statutory health insurance providers. However, there are also many private health insurance companies that offer coverage. When deciding on a provider, it’s important to choose one that meets your specific needs and provides comprehensive coverage at an affordable price.
1.4 How to buy health insurance in Germany?
You can place your order after a thorough comparison from Feather’s website or the individual website of the insurance provider. Feather prides itself on offering simple, honest insurance policies. Boasting reviews of 4.8+/5 on Trustpilot and Google, our clients love how easy it is to sign up and make claims, plus the incredible support they get from our English-speaking team.
Feather is your first insurance companion and their goal is to guide you through the complex world of insurance while taking care of the hard parts for you — because, let’s face it, no one wants to deal with insurance documents alone.
They provide Reliable support, Transparent advice and Everything under one account. Whether you need help adding a family member to your plan, or want information about other plans, or want to know more about health insurance in Germany — our customer support team is available to chat over a call or through email.
2.0 Things to consider before choosing Health Insurance
When moving to Germany, expats are required to obtain health insurance coverage. There are pros and cons to both the public and private insurance options in Germany, and it’s important to weigh them carefully when deciding which one to choose.
2.1 Pros and Cons of public health insurance in Germany
One of the main advantages of public health insurance is that it’s affordable and accessible to everyone, regardless of income or medical history. Patients have access to a broad range of medical services and can receive treatment at some of the top hospitals and clinics in the country. However, there may be longer wait times for certain types of treatment, and patients may not have the same level of flexibility and choice that they would have with private insurance.
2.2 Pros and Cons of private health insurance in Germany
Private health insurance in Germany can offer more flexibility and choices for patients, as well as faster access to medical services. However, the cost of premiums can be higher than with public insurance, and coverage may not be as comprehensive in some cases. Additionally, private insurance may not be available to everyone, as eligibility is based on individual risk factors and health status.
2.3 Are there any insurance providers that cater specifically to foreigner living in Germany?
Yes, there are insurance providers in Germany that cater specifically to the needs of foreigner. These companies may offer additional benefits and services, such as assistance with paperwork and translation services. When choosing a provider, be sure to do your research and compare quotes and services to find the best fit for your needs.
3.0 Best Health Insurance in Germany
3.1 Best Public Health Insurance Plans in Germany
Public health insurance or gesetzliche Krankenversicherung is state insurance provided by more than 100 individual not-for-profit Krankenkassen or public health funds. The best among all includes TK, AOK, DAK, and Barmer. They operated by contributions from its members and the German government.Â
Here, I have an overview of how these public insurances differ from each other. I have partnered with Feather and they are a genuine and reliable source to buy your insurance.
Each public insurance provider offers comprehensive coverage to all of their members. This includes an extensive range of preventative services, acute care, and full/ partial reimbursement for medications.
Barmer
Public Insurance – Option 1
- BARMER offers up to €150 cash back each year to healthy members. Criteria include membership in fitness & sports clubs, a healthy BMI score, and maintaining regular check-ups
- Don’t speak German? No problem. BARMER is known for having great English-language support
- BARMER does not deny coverage for pre-existing conditions. Treatment and medications for such illnesses are covered
TK
Public Insurance – Option 2
- TK is one of the foremost public health insurance funds in Germany. With over 10 million members, it is known for providing safe, effective, and reliable coverage
- Don’t speak German? No problem. TK is known for having great English-language support
- TK does not deny coverage for pre-existing conditions. Treatment and medications for such illnesses are fully covered
AOK
Public Insurance – Option 3
- Unlock up to €150 of cash back each year by getting regular checkups and making moves to improve your health
- Expert English-language support for insurance coverage, benefits, the AOK Bonus Program, and more.
- Call +49 9131 9242 10128 for 24/7 support
- AOK provides coverage for advanced treatments and special services. These include skin and cancer screenings and dental cleanings
3.1.1 Dental Insurance in Germany
When it comes to dental treatments, public insurance generally covers the bare minimum—while patients are entitled to dental check-ups, they generally need to pay out of pocket for things like cleanings, high-quality fillings, and tooth replacement. With supplementary dental insurance, you’ll have access to the best treatments at any time.
To put it simply anyone with dental problems (and particularly tooth replacement treatments like crowns and bridges) can put a big hole in your wallet. Having a good dental insurance plan can help you avoid unexpected costs and maintain a regular preventive care routine.Â
3.2 Best Private Health Insurance Plans in Germany
There are several private health insurance plans in Germany that offer comprehensive coverage and excellent service. When choosing a private health insurance plan, be sure to read reviews, compare services and coverage, and consider your budget and health needs.
42 companies provide private health insurance in Germany. They all provide comprehensive health insurance to their members and are regulated by the government, so there is no need to worry about their legitimacy.
There are two basic categories of private health insurance:Â
- Joint-stock companies (Aktiengesellschaft — AG)
- This is a type of company that is owned solely by its shareholders. Any profits made by the company are distributed to the shareholders. Policyholders do not receive a share of the company’s profits.Â
- Mutual insurance company (Versicherungsverein auf Gegenseitigkeit, VVaG)
- This type of company is owned by its members, and any profits made at the end of a financial period are redistributed among the members. The purpose of this type of insurance company is to serve the interest of the policyholders.Â
While many are interested in getting private insurance in Germany, not everyone can be on a private health insurance plan. Eligibility depends on a few factors, including income and what type of work you do.Â
Private Insurance
The cost of private health insurance is calculated based on your health status at the time of joining
- Unlike public health insurance which accepts pre-existing conditions, private health insurance does, in fact, discriminate based on your health.Â
- If you’re a full-time employee and qualify for private health insurance, your employer will cover half of your monthly premium — just like they would if you had public insurance.Â
4.0 How Does Health Insurance Work in Germany?
4.1 Insurance card and how is it used
When you receive health insurance coverage in Germany, you will be issued an insurance card that you should carry with you at all times. This card serves as proof of insurance coverage and contains important information about your policy, such as your insurance provider and policy number. It is typically presented at medical appointments and when purchasing medications.
4.2 What is the European Health Insurance Card and how does it apply to non-German residents?
The European Health Insurance Card (EHIC) is a card that allows those covered by a national health insurance scheme in the European Union to receive medical treatment in other member states. Non-German residents who hold an EHIC can obtain medical treatment in Germany under the same conditions as those who are insured through the German system. However, it’s important to note that the EHIC is not a substitute for private travel insurance, which may cover additional costs or services not covered by the EHIC.
4.3 Do I need to purchase travel insurance when visiting Germany?
While it’s not required, it’s always a good idea to purchase travel insurance when visiting Germany. Travel insurance can provide a safety net in case of unexpected accidents, illnesses, or other incidents that may require medical attention. It can also provide coverage for lost or stolen luggage, flight cancellations, and other travel-related issues.
5.0 Health Insurance for Students and Employees in Germany
5.1 Health insurance for students when studying in Germany
Students studying in Germany are required to have health insurance coverage. Most students will be eligible for statutory health insurance, either through a public insurance provider or a student-specific insurance plan. However, students who are over a certain age or who have pre-existing conditions may need to obtain private insurance.
5.2 As an employee in Germany, what is the process for getting health insurance coverage?
Employees in Germany are required to have health insurance coverage, with premiums shared between the employee and the employer. Most employees will be eligible for statutory health insurance, but some may opt for private insurance if it better fits their needs and circumstances.
5.3 Are there any differences in coverage or cost between public and private insurance for students and employees in Germany?
Yes, there may be differences in coverage and cost between public and private insurance for students and employees in Germany. Private insurance may offer more comprehensive coverage and faster access to services but may also be more expensive. Students and employees should carefully consider their options and choose the plan that best meets their needs and budget.
5.4 How do I choose between public and private insurance in Germany?
Choosing between public and private insurance in Germany depends on your individual circumstances and preferences. Public insurance is generally more affordable and accessible to all, while private insurance may offer more flexibility and faster access to services. Consider your budget, health needs, and other factors when making your decision.
7.0 German Health Insurance FAQs
What is Health Insurance in Germany?
Health Insurance in Germany is a system that provides health coverage to residents and visitors of Germany. It is mandatory for all residents including foreigners to have health insurance, whether public or private when living in Germany.
What is Public Health Insurance in Germany?
Public Health Insurance in Germany, also known as statutory health insurance, is a mandatory insurance system for residents earning up to a certain income level. It is funded by employee and employer contributions and covers basic medical needs.
What is Private Health Insurance in Germany?
Private Health Insurance in Germany is an optional insurance system for residents who earn above the income threshold for public insurance, or who are self-employed. It typically offers more comprehensive coverage than public insurance, but perhaps can also come with higher premiums.
What is an Insurance Card in Germany?
An Insurance Card in Germany is a small card that contains your insurance information and is used to prove that you are insured. If you have public insurance or private insurance, you will receive a plastic card. This card has all the necessary details that a hospital or clinic would need once they swipe it.
What is the European Health Insurance Card?
The European Health Insurance Card is a card that can be used to receive urgent medical treatment while travelling in the European Union, as well as in some other European countries. It is available to anyone with public health insurance in Germany and is free of charge.
What is Travel Health Insurance?
Travel Health Insurance is an optional or mandatory insurance policy (depending on your home country) that can be purchased to cover medical expenses, trip cancellations, and other travel-related issues. It is not the same as health insurance but can be useful for travellers who want extra protection while in Germany.
Should I choose Public or Private insurance in Germany?
The choice between Public or Private insurance in Germany depends on your income level, employment status, and healthcare needs. Public insurance is mandatory for most residents, while private insurance is optional for those who earn above the income threshold. You should consider your options carefully and do research to determine which type of insurance is best for you. I have public health insurance as I am an employee.
Can I study without Health Insurance in Germany?
No, you cannot study in Germany without Health Insurance. All students enrolled in German universities are required to have health insurance coverage.
How do I get Private Health Insurance in Germany?
To get Private Health Insurance in Germany, you will need to contact a private health insurer and provide information such as your medical history and income level. The insurer will then provide you with a quote for coverage.
Can I have Health Insurance without being a Resident in Germany?
No, you cannot have Health Insurance without being a Resident in Germany. Health insurance is tied to residency, and all residents are required to have coverage.
Read more: Health Insurance in Germany for Foreigner: Free Guide
