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Germany is one of the countries that take the health care system seriously. It is mandatory for all residents, including foreign visitors and those working in Germany, to acquire health insurance. Germany is among the leading economies globally, and thus, many foreigners go there looking for employment. There are good salaries in Germany, and the working conditions meet the global standards. Therefore getting a good health insurance policy saves you from hospital bills in case of accidents and emergencies in the workplace. If you are in Germany or you visit there, and you would wish to have a health insurance policy, look for the largest health insurance companies in Germany like Barmer for the best services. Here you will get experts to advise you on the best policy cover. Foreign workers are entitled to public health insurance as required by German law. Recently, they have approved that foreign workers with salaries beyond the threshold are eligible for private insurance companies. However, during the visa application, foreign workers will need private health insurance.
What does public health insurance cover?
The minimum threshold of what all health insurance policies in Germany cover includes:
- Employee Sick Note,
- In-Patient Care
- Out-Patient Care
- Basic Dental Care
- Prescription Drugs
- Statutory Sick pay
- Pregnancy Care
In addition, all non-working dependents living at your German residence – spouse, civil partner, and children (up to a certain age) – will be covered under your plan at no additional cost. They merely must be covered by the same health insurance company as the paying member. Although the medical coverage offered by public healthcare insurance in Germany is pretty comprehensive, more care may necessitate additional payment – so be sure you understand your coverage. While basic dental care is covered, aesthetic teeth cleaning may be charged separately. Your employer will most likely register you with a public health insurance provider if you have a job. However, you are not required to use the same insurance carrier as your employer. You are free to choose another, but you must notify your employer. Even if you choose a different firm than the one offered by your employer, such as a private corporation, they will still cover half of your monthly contributions.
Private health insurance in Germany
In Germany, about one out of every ten people choose private health insurance. There are a variety of packages to suit various budgets in private health insurance. Your job position determines whether you are qualified to convert from a state to a private health insurance fund. You must remain on the statutory system if your annual income is less than €60,750 (about €5,063 per month). Investing in a private fund isn’t always a good idea. Premiums are determined by various personal criteria, including age, health risks, and the number of family members. Switching to private insurance is a possible choice if you’re young, have minimal health conditions, and have a good salary. An insurance fund’s membership usually lasts for 18 months. You can normally switch health insurance companies by submitting two months’ notice before your 18-month contract expires or if a supplemental increase is announced or increased.
Benefits of having private health insurance coverage in Germany
In Germany, private health insurance often provides more comprehensive coverage and shorter wait times. Private insurance, unlike state-sponsored health insurance, does not usually cover children and partners for free. You’ll have access to doctors who only serve private patients, in addition to more specialized therapies and superior accommodations. This means you’ll have reduced wait times and won’t have to pay any additional pharmaceutical co-payments. If you have private insurance, finding a doctor who speaks your language is also considerably easier.
Health insurance for self-employed
In Germany, freelancers and self-employed foreign employees can choose between public and private health insurance. Any self-employed German resident has to pay all of their monthly health insurance contributions. The monthly income was estimated at €2,284 up to 2019, and you had to pay contributions based on that expected income, which was around €420. Even if your actual income was less than €2,284, you were still obligated to contribute €420 to health insurance. Because this was often prohibitively expensive, many freelancers and self-employed professionals in Germany opted for private health insurance. However, because the expected minimum income reduced from €2,284 to €1,038 at the beginning of 2019, public health insurance became more affordable to self-employed workers or freelancers with a smaller salary. As a result, if you earn less than €2,284, your monthly contributions to public health insurance are now only about € 190.
In conclusion, insurance cover is very crucial to all residents in Germany. Foreigners working in Germany are obliged by law to acquire an insurance cover too. The health cover is essential as it provides you with coverage in the event of emergencies.