How does health insurance in germany work?
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Written on: 29.10.2009 [11:47]
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Jacob
Jacob
Topic creator
Posts: 4
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I'm moving to Germany soon and would like some advice on the health insurance system... How easy is it for an expat to get reasonably priced health insurance in germany? |
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Written on: 30.10.2009 [11:42]
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Shay
Shay
Posts: 6
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The German health insurance system is private, not public, so typically you'll need to pay into a health insurance plan. It would be easier to answer your question specifically if you gave a little more context... what kind of health insurance will you need? Are you coming to Germany to study, work or retire? Your situation will affect how much you're expected to pay and what kind of plan you need. You can also find advice from expat communities.
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Written on: 09.11.2009 [09:55]
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Lona
Lona
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If you are planning on moving to Germany than I hope you know you have a lot more to get than just health insurance. Living in Germany is a lot different to the UK when it comes to both insurance and taxes. There are all kinds of different insurances that people get not just health: Third-party liability, Legal assistance, disablement insurance and many more. When I lived in Germany everyone I met seemed to have both legal cover and third-party liability. I would definitely advise them. But if it is just health insurance you want then I would say the most used is Techniker Krankenkasse. If you are going to work in Germany you should speak with your employer about this as they usually organize the health insurance so that it gets taken from your wages before you get it, which is a lot easier. |
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Written on: 09.11.2009 [12:31]
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Miller
Miller
Posts: 2
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Techniker Krankenkasse is usually the company people go with when in Germany. I was there for 6 months for work experience and the company I worked for sent me to the local TK with my contract. The TK then just set me up on the spot and my monthly premium was taken directly from my wages. It cost me about 12% of my wages but I am not sure if you pay a monthly premium or a percentage of your wages. |
