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Health insurance for employees
Every employee who starts work in Germany for the first time is bound under German law to be insured by a statutory health insurance company.
Under certain conditions it is possible for the employee to choose a private health insurance
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What do I need to apply for health insurance?
you need
- Passport photo
- Passport
- German employment contract
How long does it take to get my health insurance certificate?
You will receive health insurance confirmations for your entry visa (if necessary) within 24 hours after successfully submitting the application (should there be any questions or complications, our service team will contact you within 24 hours so that we can send you the necessary confirmations quickly)
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What are the notice periods?
Statutory health insurance companies usually have an 12th month period of validity, unless another contract has been concluded with the insurance company.
The period of notice is always 2. months to the end of the month and must be in writing. e.g: Cancellation of the old insurance was made in September, then the new insurance can start on December 1st.
Important: Only after the old health insurance has confirmed the cancellation, the new insurance can be activated.
Do I have to do anything myself?
We prepare everything for you and send the applications and cancellations automatically to the respective insurance companies. Usually you have nothing else to do. However, with different health insurance companies, the cancellation confirmations are not sent to us or the new health insurance company, but go to you. We need this confirmation to activate the new health insurance company.
Are there any costs for me?
There are no costs for you to change to another health insurance company. Likewise, the statutory health insurance company is not allowed to charge an individual surcharge due to previous illnesses.
If you decide to choose a combination, you will have to pay the monthly fees for the additional insurances.
Can the new statutory health insurance company refuse me?
No, in principle, a statutory health insurance company may not refuse anybody, no matter what previous illnesses someone has.
What do I need to apply for health insurance?
Passport photo for your health insurance card
- Employer data (name, address)
the change to a new health insurance company must be announced to the employer, this is done by the insurance company
- Pre-insurance data (pre-insurance, insurance number, address)
This data is important to be able to automatically send notices of cancellation to the pre-insurance company.
How long does it take to get my health insurance confirmation?
You will receive health insurance confirmations after the pre-insurance company has confirmed your cancellation. Usually, the insurance company will only send the cancellation confirmation to you, so it must be sent to us so that we can confirm the cancellation to the new health insurance company.
- Free travel health insurance for your visa
- No prepayment
- Free cancellation
- Employer data (name, address)
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DAK Gesundheit is not only one of the large German statutory health insurances - it is also a long-established company, a socially responsible employer and a fair partner to many players in the healthcare sector.
Techniker Krankenkasse is not only the largest statutory health insurance company in Germany, but also the best - this was the result of a test by the business magazine Focus Money (issue 7/2021). Whether online, by e-mail or phone, or in a personal conversation.
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