It is difficult even for Germans to find proper health insurance. With around 116 different statutory health insurance companies (GKV), and a comparable variety of private health insurers (PKV) with different premiums and benefits, one quickly loses track of things.
For this reason, Easy to Germany is in a position to help make your choice easier for you.
The statutory health insurance companies (GKV) in Germany offer comprehensive health protection benefits. Medically necessary treatments are delivered at a high level. These are assured by a wide-ranging catalog of health insurance benefits that are constantly being expanded by physicians and health insurance representatives.
Every insured person has a legal entitlement to these benefits. In addition, health insurance companies also offer attractive special benefits to increase coverage in the event of illness. These benefits are defined by each health insurance company individually in its statutes.
Statutory health insurance (GKV) is the responsibility of the statutory health insurance companies of which there are approximately 116. They carry out the state-mandated mission of statutory health insurance. At the same time, this also means that the basic benefits of the health insurance companies are defined by the state.
Private health insurance (PKV) refers to private insurance companies that offer health insurance. Unlike statutory health insurance (GKV) the contract comes into being not by force of statutory law but by means of a contract under private law. The private health insurance companies usually offer better insurance coverage at lower prices (not everyone can be a member of a private health insurer) and/or special health insurance. For example for foreign students, if they do not have the opportunity to be insured in a statutory health insurance company.
Students newly arrived in Germany may decide whether they want private or statutory health insurance. Bear in mind, however, that a change from private to statutory health insurance, as a rule, is not possible. Nevertheless, there are exceptions here that we are happy to work on with you individually.
Workers who are newly arrived in Germany and have an income of more than 62,550. -€ per year may also insure themselves privately. Otherwise, there is an obligation to take out statutory health insurance.
A tip for employees if you want to have private health insurance:
Persons who have never had health insurance in Germany or Europe will have to have their health condition checked in order to obtain private health insurance.
Comprehensive private health insurance generally has low-cost premiums and better health insurance protection than statutory health insurance companies. (Important: Before you decide to sign up for comprehensive private health insurance you should contact us since it is not suitable for everyone.)
However, if you already have statutory insurance in Germany, the process of changing to private health insurance is easier.
If you choose to have statutory health insurance, you are covered by this health insurance for at least 18 months.
You have a change of status (For example, a change of employer or a change to self-employment.)
You earn more than the basic income threshold under German law. (currently: more than 62 550 euros per year)
You leave Germany for an indefinite time.
In principle, everyone has the freedom to choose his or her health insurance.
Statutory health insurance companies offer, beyond the statutory framework, voluntary benefits with financial and medical advantages. They are different from individual premium surcharges, but on closer look definitely bring the insured person more advantages than the health insurance premiums.
Therefore, you should take a look at the various health insurance companies and make your own calculation as to which is the best insurance company for you.
With Easy to Germany