Private Health Insurance in Germany

All residents of Germany are obliged to have health insurance. However, if you are a foreigner, choosing the right health insurance plan can be difficult. There are too many choices and you need to figure out what is best for him or her. Speaking foreigners in Germany can be classified into different types. Private Health Insurance in Germany





Foreigners stay in Germany for several reasons.


Long-term study abroad at a university

1-semester exchange program

Short-term work in the field

Freelance in Germany

a Spouse with a dependent visa

an Expatriate established in Germany member






Before dealing with the rules that apply to individual cases, we must first address the underlying issue. Who is eligible to have statutory health insurance in Germany and who has private health insurance?

some foreign groups are not eligible and require private health insurance.






Health insurance is compulsory in Germany and required by German law

All residents of Germany, including all foreigners, are obliged by German law to have health insurance. Plus, without them, medical costs can be prohibitive.

Now let’s look at the different scenarios that apply to different types of foreigners regarding health insurance.






1. Public Health Insurance for internationals in Germany

It is well known that statutory health insurance in Germany is much cheaper than private health insurance. The public health system is administered by 118 non-profit organizations (Health Insurance Funds) with federal support. Common names include TK (Techniker Krankenkasse), AOK, BEK, DAK, GEK, BKK, KKH. For workers, health insurance premiums are split roughly equally between employers and employees. If you are employed in Germany and your income is below the threshold (2021: EUR 64,350), you are automatically enrolled in a statutory health insurance company.






But here too, not everyone has access to statutory health insurance in Germany. Only the following groups of people can be members of her GVK.

students (under 30 or up to the 14th semester)

employees with an annual salary of less than EUR 64,350 (2021)

spouses and children covered by statutory German health insurance The employee is

Registered unemployed from selected foreign countries.






2. Private Health Insurance for foreigners in Germany

In Germany, a small proportion of people choose private health insurance. It is more expensive than the state system, but it also has its own advantages.

Private health insurance generally reduces wait times for appointments with medical professionals. It may seem unfair, but some doctors limit their services to individual patients only. They also offer extensive medical testing. Popular private insurance companies in Germany include Allianz Private Krankenversicherung, AXA, DVK, Debeka, Deutsche Krankenversicherung, Signal Idunaa, HUK-Coburg-Krankenversicherung, Bayerische Amtsversicherung, Continentale Krankenversicherung, Central Krankenversicherung, and Barmenia.






3. Private Travel insurance for foreigners in Germany

If none of the above apply to you, you are probably a tourist or visiting Germany on business.

In this case, travel insurance must be purchased before entering Germany. Travel insurance can be purchased with insurance companies in your home country or in Germany, but please ensure that it meets your needs and visa requirements (see below).






If you require a German visa, you must purchase travel insurance that meets all German Embassy requirements before attending your visa interview at the German Consulate. Foreign students and employees coming to the country for a long stay first need travel health insurance and later switch to the German health insurance system. I can.






If you need a German visa or need to extend your visa, your German travel health insurance must meet the following requirements: Otherwise, you risk your visa being refused.

Leave a Comment