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
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
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