What type of health insurance do I need in Germany?
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What type of health insurance do I need in Germany?

If you’ve just moved to Germany or if you’re now planning your move then might be one of the first questions that your asking yourself. And since having health insurance is required by law for living in Germany, it’s important that you make the right choice from day one. Here’s a breakdown of they many scenarios which you can expect

Health Insurance for university students

Did you move to Germany to study at one of the many great universities? Well, then if you’re less than 30 years old you will automatically qualify for public health insurance at the wonderfully reduced price of 104 euros per month. This one is a no-brainer decision since this type of coverage would normally cost the average employed person at least double. If you’re a university student then make sure you sign up for this right away. 

Health insurance for employed persons

If you’re employed by a Germany company and earning less than 60.750 euros per year, then you should sign up for public health insurance. Only those earning more than this income can opt out of public insurance and choose private insurance. 

Note: If you’re employed, but earning less than 520 euros per month then you don’t qualify for public health insurance as an employed person. 

Health insurance for self-employed, or freelance persons

Self-employed, or freelancers moving to Germany from non-EU countries only have the option to join a private health insurance. Self-employed people that have relocated to Germany from somewhere else in the EU can join the German public system so-long as they get the relevant paperwork. This document (an E104 in most cases) confirms to the German system that you were previously insured by somewhere else in Europe)

Health insurance for non-employed persons

If you’re not employed and moving to Germany then it’s important to sign up for expat health insurance. This affordable policy will cover you for up to 5 years while you search for a job, wait to become enrolled at University, or any other case. 

Note: Only people from another country in the EU can sign up for public health insurance. However, if you find yourself in this position, its recommended to wait to sign up for public health insurance after you’ve found a job.

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