How Does Health Insurance Work In Germany
German private health insurance companies are forced to accept all applicants irrespective of their health situation in their basistarif which became available from january 1 2009 as long as the person is required to provide proof of health insurance is not eligible for the german public health scheme and has the right to reside in.
How does health insurance work in germany - Toytown germany is a very active forum for expats in germany and a great resource for health insurance queries if you find yourself a bit stuck. You would like to live and work in germany. The turnover of the health sector was about us 368 78 billion 287 3 billion in 2010 equivalent to 11 6 percent of gross domestic product gdp and about us 4 505 3 510 per capita.
The german healthcare system is one of the best in europe. Those earning more than 62 550 eur 69 600 usd a year can choose private insurance while those who earn less than 62 550 eur 69 600 usd are automatically enrolled to public health insurance. How does health insurance in germany work.
If you re still overwhelmed at the thought of finding a doctor near you try the official kbv website. Germany has a universal multi payer health care system paid for by a combination of statutory health insurance gesetzliche krankenversicherung and private health insurance private krankenversicherung. Health insurance krankenversicherung in germany is not free but it s mandatory if you stay in germany for more than 90 days you must have health insurance 1 in this guide we explain the difference between public health insurance gesetzliche krankenversicherung and private health insurance private krankenversicherung we also explain which one is better for you.
The healthcare system and health insurance in germany. About 85 of germans are member of a public health insurance provider in germany. Exchange students foreign apprentices and au pairs who work in germany must have health insurance and accident insurance for the period of their stay.
Health insurance in germany. Private health insurance can cost a lot more or a lot less than statutory coverage. Because there is a legal obligation for everyone to have health insurance in germany.
If you stay in germany permanently travel health insurance is not sufficient. In germany there are two health care systems. Once you are a resident in germany it is compulsory to register with either a statutory german health insurance scheme.
Health insurance in germany works slightly differently to many other developed countries in that the type of insurance you can access depends on precise earning amounts. Foreign apprentices and au pairs are only subject to compulsory health insurance by law if they earn more than 450 euros per month. Since 2009 every person who lives in germany as a resident needs a health insurance.
To get a residence permit you need a health insurance in germany. The fees mainly depend on the level of coverage and monthly earnings of the insured person. You must have either public or private health insurance.
