In Germany the Statutory Health insurance is mandatory, but there are different options regarding of the estimated period of staying and which visa-status you are on.
If you come to Germany from outside the European Union (EU) for work and have an employer, you can choose in the first three months if you want to join the public health insurance system or the private health insurance system via one of their providers.
We as Sicher Sicher GmbH offer you both options and consult you via best advice, which way is best suiting for your needs while you are in Germany. Its is recommended to get consultation before you make your final decission, since you will be bounded legally to that decision and can only change from the private or public insurance or other way around in case of very few reasons and mostly not before 12 months or 2 years depending on the contract period you have chosen.
Even in the public insurance there are several providers who differentiate each other which can mean serious impact for you if it comes to service, compensation, insurance fee´s or getting a doctor appointment. If you earn in the year 2024 annually 62,100 € you pay for the public health insurance with a 16.3% fee rate and 3.4 % for the care insurance as an example, a total of 1,019.47 € insurance fee per month. If you are a single, and have an annual income of minimum 69,300 € you can check if the private health insurance in Germany might be more economical as well as more beneficial based on the coverage, and to get faster doctor appointments.
For families and couples the public health insurance in Germany can be economical if only one in the family has income, since the other family members can be insured without an extra fee, if none of them earn more than 505 € per month. As soon as one member has an income of 505.01 € he or she needs to have a own insurance. As you see there are many factors to consider before making the final decission. After analyzing and understanding your individual situation and expectation on a health insurance coverage, we will guide, and advise you through the offers of the german health insurance market.
As an insurance broker, who offers insurance and consulting services in many countries in the EU we also are aware of the traveling coverage which usually is not included, since our international clients, like to travel while being in Europe.
We would also recommend while your stay in Germany to point the mandatory car insurance and which are not mandatory insurance coverages, but can become based on our experince the private liablity insurance and the penal & law insurance, both very economical based, especially in case of a claim.
For a consultation via email or telephone please use the form below, or for a quote and tariff overviews please visit our special website: https://sichersichertostay.eu/
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