Additional information for employees

You can choose private health insurance (Private Krankenversicherung or PKV) instead of health plan of the government, if your gross salary is higher than 56.250 euros per year (2016 figures). Self-employed persons, German government officials and persons working part-time and earn less than 450 euros per month, are also eligible.

If you are currently in German public scheme and earn more than € 56.250 per year, you can change to private health insurance with a two months notice, because they are no longer necessarily a member of the German public scheme (GKV); you are allowed to either stay in the public system as a voluntary participant or cancel your membership and organized private health insurance.

If upon arrival in Germany, you want to be privately insured, you will need to inform the human resources department of your company immediately to avoid any confusion; Otherwise, you may find yourself automatically registered in the control system. This is your decision and your employer is not allowed to restrict the freedom of choice among different Krankenkassen or private providers of health insurance.

If you buy private medical insurance plan by the German health insurance company that provides a certificate recognized by the Government of Germany (Paragraph 257 SGB V Arbeitgeberbescheinigung) can benefit from these subsidies to employers as a member of the government plan. This translates to about 309 euros per month per employer subsidy to the cost of your private health insurance and 50% of the premiums paid for your private insurance nursing. If such certification is not provided, your employer has the option, but is not obligated to compensate you part of the cost of your medical insurance. Most German employers now require this certificate as proof that your claims meet the legal requirements.

Private Health Insurance (PKV)

Overall, private health plans cover a wide range of medical and dental care and provide broader geographical coverage. By having private health insurance, which is considered a private patient and can be expected to service the medical profession. Hospitals and doctors depend to some extent on private patients to supplement their income, so welcome them. A private patient can also request and will often get doctors who speak their native language. private medical insurance market is served by about 40 German insurance companies, and there are combinations premium / benefit to suit most budgets. Per person cost of full medical insurance is based on the level of benefits for the match and the entry age and any pre-existing illnesses. A large part of your medical insurance premium is also tax deductible German income since 2010.

The premium for government insurance you and all your non-working dependents roof, while private medical insurance premium is usually paid for each person covered. You can reduce the monthly cost of your personal insurance by agreeing to deduct (also known as excess or franchise). German private health insurance companies are not allowed to opt out of politics, they submit claims and also be required to put 10% of your premiums aside as a provision to keep the price stable when they retire.

If you are considering the purchase of expatriate health insurance as a substitute for control scheme, it can be quite stressful, because most of the foreign insurance companies are not registered with “BaFin” to do business in Germany. Even those who have to find their health insurance plans do not meet the standards laid down by the new reforms. The difficulty is that the German government insists that there may be certain limits on recovery rates and can have no annual deductibles over-the-pocket more than € 5,000. Other problems include how to calculate insurance premiums. The current situation is that neither one of the largest international overseas health insurers will provide a certificate of German recognized by all visa authorities in Germany. Whether or not this will change depends on the Germans recognize the full European directives on cross-border sales of health insurance for non-Germans want a residence permit.

Be careful to avoid term policies without requiring medical underwriting. These policies rarely offer continuous expansion and do not include pre-existing conditions. If you decide to stay longer than the limited contract period (anywhere from one to five years) and health insurance contract expires, it can be both difficult and more expensive to get a new health insurance at this time. In addition, although you may have purchased such a plan by a German health insurance company upon arrival in Germany can not be recognized by the authorities of visa and will be forced to purchase permanent health insurance plan in order to be allowed to stay.

Health Insurance Options in Germany – 2016

Germany has a reputation for being one of the best healthcare systems in the world, providing its residents with comprehensive health insurance. Approximately 85% of the population are mandatory or voluntary scheme members to public health, while others have private health insurance. health insurance reform of 2007 now requires anyone who lives in Germany to be insured for at least hospital and outpatient medical care. This should include coverage for pregnancy and some medical examinations.
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