Health care

The­re is a Ger­man expres­si­on: Health is not ever­ything but wit­hout health, ever­ything is not­hing.

Many peop­le only start thin­king about their health insuran­ce once an emer­gen­cy or an acci­dent hap­pens. Albeit, it is increa­singly important to think about health care befo­re it is actual­ly nee­ded.

The­re are many aspec­ts that need to be con­si­de­red, but in Ger­ma­ny ever­ything starts with a big ques­ti­on: pri­va­te insuran­ce or public insuran­ce?

As a free­lan­cer, you most cert­an­ly will go down the pri­va­te path, many times the public ver­si­on can actual­ly be more expen­si­ve! But as so many things, it hea­vi­ly depends on your indi­vi­du­al situa­ti­on.

Sin­ce health insuran­ce is man­dato­ry in Ger­ma­ny, it is also a main requi­re­ment to have ade­qua­te health insuran­ce in order to get a visa. We are part­ners with health insuran­ce car­ri­ers that spe­cia­li­se in health insuran­ce for expats in Ger­ma­ny and have more than 25 years of expe­ri­ence in get­ting free­lan­cers the health insuran­ce they need.

Con­tact us and we can help navi­ga­te the Ger­man health care sys­tem and will help you get the coverage that fits your needs.

Whatever insurance you need — we will find the best solution for you

You are not sure what insurance(s) you need? Here is an over­view for you:

What health care insurance(s) do I need as a free­lan­cer in Ger­ma­ny?

Public health insuran­ce


Rough­ly 90% of the popu­la­ti­on in Ger­ma­ny is in one form or the other insu­red through the public health care sys­tem. That this rep­res­ents a major tri­umph of the modern wel­fa­re sta­te is easi­ly for­got­ten. Howe­ver, that this sys­tem is fla­wed and has many issu­es is com­mon­ly agreed upon. More

Pri­va­te health insuran­ce


Pri­va­te health insuran­ce usual­ly covers addi­tio­nal bene­fits and pro­ce­du­res that are not or not ent­i­re­ly cove­r­ed by the public health insuran­ce. Howe­ver, the ent­ry bar­ri­ers and the pri­ces can be high but as a free­lan­cer, you often do not real­ly have a rea­listic choice. More

Health insuran­ce for a visa in Ger­ma­ny


Health insuran­ce in Ger­ma­ny is man­dato­ry and that inclu­des short-term stays, working in Ger­ma­ny for a few years or moving to Ger­ma­ny for Good. What health insuran­ce you need, hea­vi­ly depends on the visa you want / have, your employe­ment sta­tus and of cour­se the coverage you per­so­nal­ly need. More

Pri­va­te sup­ple­men­ta­ry health insuran­ce


Ever­yo­ne can add pri­va­te sup­ple­men­ta­ry modu­les to get more coverage for his or her insuran­ce plan. That inclu­des publicly and pri­va­te­ly insu­red peop­le. The most com­mon examp­le for such a sup­ple­ment is den­tal care but the­re are other are­as whe­re sup­ple­ments make sen­se.  More

Acci­dent insuran­ce


The public acci­dent insuran­ce only covers you during your work activi­ties, inclu­ding the way to and back from work. If you are like most free­lan­cers, you are not even in the public sys­tem to begin with. Ever­ything you do pri­va­te­ly, inclu­ding hob­bies, sports etc., is not cove­r­ed. Becau­se of that, pri­va­te acci­dent insuran­ce is one of the most com­mon insuran­ce in Ger­ma­ny. More

Hos­pi­tal dai­ly cash

An ill­ness or an acci­dent not only leads to unplan­ned costs, if you are in a hos­pi­tal, you natu­ral­ly can­not work. If you have to stay in the hos­pi­tal for a lon­ger peri­od of time and/or addi­tio­nal hos­pi­tal costs add up, finan­ci­al reser­ves usual­ly get tap­ped. Hos­pi­tal dai­ly cash insuran­ces pay a pre­de­fi­ned amount to coun­ter that. More

Ill­ness dai­ly cash


If you are ill, you can­not work. Many peop­le for­get this simp­le truth and the public ver­si­on of the sick pay insuran­ce is often not enough to cover all expen­ses. Espe­ci­al­ly if you are ill for a lon­ger peri­od of time. More

Dread and disea­se insuran­ce


The dread and disea­se insuran­ce can be seen as a smal­ler ver­si­on of the occupa­tio­nal disa­bi­li­ty insuran­ce. It covers cer­tain disea­ses such as can­cer that are known to cau­se high costs. This insuran­ce is desi­gned to cushion long-term and recur­rent costs.  More