Are you an employed person living or moving to Germany? We know that navigating the healthcare system in a new country can be overwhelming. That's why we offer tailored health insurance plans designed to meet your unique needs as an expat in Germany.
With our health insurance plans, you'll have access to top-rated doctors and medical facilities in your area. Whether you need preventive care, dental services, or more complex medical procedures, we've got you covered. Plus, our plans include full english speaking support and assistance for all your healthcare needs, so you can have peace of mind knowing that help is just a phone call away.
We believe that quality healthcare should be affordable and accessible for everyone. That's why we offer flexible plans that you can customize to fit your budget and lifestyle. You only pay for what you need - no hidden fees or unnecessary coverage.
Join thousands of satisfied customers who trust our health insurance plans to protect their health and future. Our plans are designed to give you the peace of mind you need to enjoy your time in Germany to the fullest. Don't let the stress of navigating a new healthcare system hold you back - sign up for our lead form today and take the first step towards secure and comprehensive healthcare coverage.
Health insurance is compulsory for everyone in Germany. Here we explain about health insurance for employees in Germany: Special regulations govern who can take up public health insurance or private health insurance. Employees are automatically compulsory insured unless they meet the income threshold (JAEG) of €66,600 gross income per year, or €5,550 gross income per month during 2023. This threshold is recalculated annually.
Employees who earn equal to or less than the income threshold are classified as compulsory insured employees. This means that they do not have a choice and must be insured in the public health insurance. The employer will automatically register their employees, however each employee has the right to choose insurance provider. Once employees sign their employment contract, they must inform the employer of which public health insurance provider they wish to choose.
If employees meet the income threshold for at least one year, they become what is called voluntarily insured employees. This means that they can change to private health insurance for employees in Germany freely, or remain insured in public health insurance.
Private health insurance is a popular choice among employees who meet the eligibility criteria. The main reasons are because public health insurance is based on income. High earners may reach the insurance assessment ceiling and pay the maximum amount in public health insurance. Healthy persons can therefor save a lot of money by being insured privately, because the premium is based on condition of health, among others.
If employees wish to change to private health insurance, it is important to get the private health insurance policy in place before cancelling. Health insurance can only be cancelled if proof of the new insurance can be provided.
Get your free and non-binding offer by answering a few questions here.
The public health insurance contrition rates are fixed percentage based on the income. They can further be divided into 2 different payable rates:
The total cost is shared among you and your employer, who covers 50% of the total cost.
Persons employed as civil servants, compared to regular employees, are automatically voluntarily insured. This means civil servants enjoy the same rights to state aid of 50% of the total insurance costs, but can additionally choose to be insured privately without having to meet the income threshold. This means no conditions apply for civil servants to enter private health insurance.
Employees who are high earners, meaning they earn more than the annual income threshold, can not only benefit financially but also in terms of coverage by choosing a private insurance. Once employees meet the private health insurance criteria and become public voluntarily insured, they may choose to take out a private health insurance. This means the insurance contributions are no longer based on income, but rather health status and the coverage selected, month others. The main benefits would be:
If you are employed and meet the annual income threshold, we as independent insurance brokers can help guide you choosing the Best Health Insurance plan and save money. Contact us today to discuss your coverage requirements.
The difference, benefits, disadvantages and regulations between private and public health insurance in Germany can be difficult to understand. The following questions will help you understand if a private health insurance is right for you.
.svg)