Venezuela Health Insurance 2023

German health insurance for foreigners

German health insurance is compulsory for all residents, including foreign researchers and scientists. To help you out before you arrive, here’s how Germany’s health insurance system works and how to get covered. German health insurance for foreigners



German Health Insurance System

Since 2007, everyone living in Germany has statutory health insurance. By law, you are required to join an insurance company  that offers at least a minimum allowance.

For health insurance while in Germany, she has three options: Statutory health insurance (GKV), private health insurance with a German or international insurance company (Private Health Insurance (PKV)), or a combination of both, not available for statutory health insurance.



German health insurance – who needs it?

German statutory health insurance is called statutory health insurance (GKV) and covers the majority of the population (about 90%) . If your gross salary in 2018 is less than EUR 59,400 per year or EUR 4,950 per month, you must have statutory health insurance and choose a payor.





German statutory health insurance – how to enroll

If you already have a job offer, you should first discuss registration with your employer. Proposed provider.

His three of Germany’s largest health insurance companies are AOK, Barmer GEK and TK. Although there are over 100 of them (a complete list in German is available here), these companies have excellent English websites.

Providers may offer slightly different rates and different incentives. B. Cash back for quitting smoking or participating in regular fitness activities. So it’s worth doing some research and seeing what your options are.This German-language website has a comparison tool to help you explore the different policies available.

As soon as you register with a health insurance company, you will be issued a health insurance card. Your insurance card has a chip to store your personal data and must be presented at your first quarterly doctor visit.



Statutory Health Insurance – How much does it cost?

All statutory health insurance companies in Germany charge the same 14 basic premiums.
6% of gross income plus an average compensation of 0.9% of gross income up to a monthly income of €4,425.

Even if your income increases, your premium will not increase. The basic premium is split evenly between you and your employer: 7.3% each. From 1 January 2019, employers will also pay half of the surcharge.

You and your family must also participate in the German compulsory long-term care insurance. This covers part of the cost of meeting personal care needs such as bathing and eating for severely disabled people.

Care costs are 2.55% or 2.8% of gross salary (up to €123 per month if no children), of which employer pays up to €56.




Statutory health insurance – what does it pay for?

The minimum amount of overall health insurance coverage in Germany includes: Sick leave
Statutory sickness benefit upon termination of benefits (up to 90% of net salary) Children (up to a certain age) – Eligible for the plan at no additional cost if residing at an address in Germany. All you have to do is join the same health insurance association as a paying member.

The medical care provided by the German statutory health insurance is very extensive, but additional services may be charged. Check your insurance coverage. For example, basic dental care is covered, but additional charges may apply for cosmetic tooth cleanings.




Private health insurance in Germany – who has it?

Germany offers the option of choosing private health insurance (PKV for short), but only if:
You are self-employed or;
If you are a student, you may have private health insurance while you are in school;



Private Health Insurance – Suppliers

A complete list of all private health insurance companies can be found on this German page. However, considering the various premiums and coverages, it is worth using commercial price comparison sites such as Check24, Krankenkassen Deutschland and PKV-Gesundheit.


German private and statutory health insurance – key differences

Both types of insurance allow access to all medical facilities for doctor consultations and treatments, but there are differences to be aware of. For example, dental implants, eyeglasses or contact lenses, hospital rooms, etc. are not covered by public health insurance, but private insurance may cover some or all of them.

The basic premium for statutory health insurance applies to all German citizens and residents regardless of income (14.6%), whereas private health insurance is based on income and expected health status (i.e. risk), and any risks you are willing to undertake in connection with the Policy.

Even if statutory health insurance doesn’t address pre-existing medical conditions, having a known medical condition when enrolling in private health insurance can result in higher premiums. However, private health insurance companies in Germany are legally obliged to accept everyone, so they cannot be denied health insurance because of a previous illness.





German private and statutory health insurance – key differences

German private health insurance follows the same system as general insurance. Each month, you pay a monthly premium and choose a deductible (or deductible) level. For example, a deductible of €400 means that the first €400 of medical expenses must be covere before the insurance company can start paying.

If you have statutory health insurance, you must pay 10% of the cost of prescription drugs yourself (maximum EUR 10, minimum EUR 5 per prescription). In private health care, the full amount of the prescription is paid in advance but the receipt is sent to the provider, who bears the full amount.

Statutory health insurance covers family members, but this is not always the case with private health insurance. Therefore, if you choose private insurance, check the details of the policy as you may need to arrange separate insurance for your loved ones.

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