Health Insurance Germany for Expat
- VersmaX
- 1. Sept. 2023
- 2 Min. Lesezeit
Aktualisiert: 21. Apr.
Health Insurance in Germany for Expat
Self-employed people or those in a higher income bracket generally take out private medical insurance.
Instead of being income-dependent the amount payable corresponds to the insurance risk an applicant presents.
The calculation depends on age and health status.
A young person might pay around 190€ per month whereas a couple in their 35s with one dependent children would pay approximately 650€ per month.
The employer still contributes half of this amount.
Private health insurance has many benefits.
It is often more extensive than state insurance and the policy can be adapted to each individual; however, whereas public health insurance covers all family members, private health insurance requires each family member to be insured on an individual basis.
This means that for families with children private insurance is only viable if both parents earn above the income threshold.
Everyone living in Germany is obliged to take out health insurance, including expatriates. Expatriates working in Germany can have the choice of taking out either public health insurance or, if their income exceeds the threshold, private health insurance.
Those who are not working can take out private health insurance as its payment is not based on income.
The private health insurance is often favoured by expatriates as it offers packages more suited to those living abroad and in these cases can work out cheaper than German state packages.
The private insurance also gives a wider choice of medical and dental treatment and patients can request to see a doctor who speaks English.
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