German Health Insurance
If you live and work in Germany, you have the choice of statutory health insurance, known as Gesetzliche Krankenversicherung (GKV) or private health insurance, known as Private Krankenversicherung (PKV). You can choose private health insurance if your income is above a certain level or if you are self-employed.
Private health insurance is available from German and international companies, but it’s important to note that not all international companies offer policies that fulfil the obligations of German law. If you take out private health insurance with an international company, you must able to prove that it provides at least the mandatory minimum covered by statutory health insurance, which includes provision for chronic disease and elderly care.
It is also worth noting that, unlike statutory health insurance, private health insurance is based on your risk profile or, in other words, your age and state of health. Your premium is calculated on the basis of the average cost of medical across different demographic groups so, if you are female or an older person of either sex you are likely to pay more for your private health insurance than say, a young man.
We only refer companies that comply with German law and, as independent health insurance brokers, offer clear, unbiased advice on all aspects of German health insurance. We understand that expatriats have different expectations of, and requirements from, health insurance, so we are on hand to help you negotiate the labyrinth of health insurance legislation, so that you arrive at a suitable, cost-effective health insurance policy for your stay in Germany.
Of course, terms and conditions vary from policy to policy, so it is critical that your chosen policy provides sufficient cover for any illness or injury that befalls you, or your family, during your time abroad. As with any other insurance policy, you need to weigh up the cost of the premium against the benefits offer, but insufficient cover for emergency or critical procedures could leave you will an eye-watering bill if the worst comes to the worst.
In an emergency, you can be admitted directly to a contracted hospital, which will contact your insurance provider to confirm that the costs of your treatment will be met. However, if you lack sufficient insurance cover, you will still have to pay a fixed daily charge for the first 28 days of any in-patient treatment and this payment will not be reimbursed..
Welcome Center Germany
For those who may be thinking about relocating to Germany, a major consideration to aid any potential move should be The Welcome Center Germany. As a website that has been active since 2015, its essential purpose is to provide advice, tips and all types of assistance to new and incoming residents of Germany. The Website is an invaluable source of information and standpoints relating to your potential move to Germany, and can save you much time and hassle in the future by utilising it initially
Setting up home in a new country can be a daunting prospect and requires plenty of forward planning. With different laws and regulations with respect to buying property, employment law, and even registering with the appropriate medical services, The Welcome Centre Germany is there to provide everything you need to know in advance. It can also assist you in finding the right area to live, work, or study. For such a potentially stressful experience as relocating to a new country, the website can give you much more peace of mind, with its multiple resources and essential forms of information.
There are numerous aspects to consider when moving to Germany. Things such as work permit and visa regulations, searching for a career, enrolling your children into international schools, finding the best bank or financial institution for your personal needs, information about relocating to Germany, all information about german health insurance or even obtaining a means of transport. The Welcome Center Website can help with all of these decisions and more, linking you to relevant external sites and sources of information. All knowledge required to facilitate an easy and stress-free move is at your fingertips.
From a social and cultural viewpoint, learning German is an ideal way to integrate and simplify matters. The Welcome Center Germany contains information to assist you in enrolling on the right courses to begin learning the language as soon as you're ready to do so.
All links and sources are approved so you can feel safe in the knowlege provided. With information concerning which areas and neighbourhoods are right for your personal circumstances, you can begin plans to set up your new life with confidence. With guides to help you understand whether renting or purchasing your accomodation is the right choice for you, that's another load off your mind.
So, whatever you need to know before moving to our wonderful country, please consider visiting The Welcome Center Germany, and make the entire experience much more pleasant and far less worrisome than going it alone.