Insurance in Germany for foreigners: benefits and how to sign up

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Germany is Europe's main economic center. Many cities in the country lead the world rankings of places with the best quality of life: Munich, Dusseldorf, Frankfurt, Hamburg, Berlin. Germany has a very dynamic job market and great career prospects. All these factors attract expatriates from different parts of the world to the country. The German healthcare system provides citizens and foreigners with access to qualified, high-quality medical care. Unlike many other European countries, Germany has compulsory health insurance, which is the oldest in the world. Migrants can take out public and private health insurance in Germany. For more information about immigration, work, education, travel and medical treatment in Germany,  see the link . Find out how to get a work permit in Germany in 2023 for Ukrainians  here . Read here  how to find a job for English-speaking foreigners in Germany. Health insurance abroad:  find  answers to frequently asked questions here. Public health insurance in Germany Public health insurance - gesetzliche Krankenversicherung - is mandatory for most of the country's salaried workers. Sickness insurance in Germany is issued by the employer. The contribution is deducted directly from the salary. You can choose an insurance company from more than 150 authorized partners, the best known of which are AOK, Techniker Krankenkasse or DAK. You can easily change insurance companies after a year and a half. The amount of compensation may vary depending on the insurance company.

The degree of coverage is sufficient, but not complete. The insurance covers visits to the family doctor, the purchase of prescription medicines (with a 10% deductible), examinations and hospital treatments. Dentistry, glasses and sick leave are, in general, not covered by this insurance. European Health Insurance Card. Read here  how to get preferential medical care in EU countries. Temporary protection status in Germany: benefits and legal advice - for more information,  see the link . How to choose health insurance:  step-by-step instructions . Private health insurance in Germany Civil servants, students, self-employed people, self-employed people and employees with an income of more than 64,350 euros per year who do not pay mandatory health insurance contributions can benefit from private health insurance. In private insurance, it is possible to choose different levels of compensation, from the simplest to the most complete. You can also add the services of a dentist, an spam data  ophthalmologist, the manufacture of glasses, etc. The premium amount depends on the level of coverage you choose, as well as medical indications and health status. Many people prefer private health insurance, because here you can choose the insurance coverage according to your needs and pay proportionally lower premiums. However, many insurance companies in Germany require a minimum period of residence in Germany, which can sometimes be as long as 2 years, before they can issue a policy. In other words, if you have just moved to Germany, you may not be able to register with the local health insurance service immediately upon arrival. How to obtain a residence permit in Germany - step  by step instructions .




International health insurance in Germany International health insurance does not require a minimum length of stay. You can take out a policy before entering Germany. Like private insurance, it gives access to a wider range of benefits and reimbursements. Furthermore, the policy is flexible and allows you to choose between different levels of coverage. The real advantage is that the coverage is valid worldwide, which means you are as well protected in Germany as in any other country. During policy registration, in addition to the basic list of services - assistance in emergency situations, transport to a medical center, outpatient and hospital care - it is possible to add or expand certain chronic illnesses with additional options that will make your policy a truly useful: emergency dentistry, injuries during sports and recreational activities, coverage for the purchase of medicines, etc. To protect yourself from problems abroad and save money on treatments, we advise you to take out medical insurance from verified agents . Issuing an insurance policy takes 3 minutes and guarantees the provision of high-quality medical services in Germany. Learn more about the types of work visas in Germany and how to obtain them here .