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?
The answer to that question significantly determines the path you have to take but you still need to make sure that you get the coverage you need for a price that you can afford.
Contact us and we will help you to navigate the German health care system and get you 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. Generally speaking, if you are employed in Germany, you probably have to be in the public health care system. 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. Waiting times are shorter but the entry barriers and the prices can be high. Moreover, the law clearly dictates who gets in and who does not. More
Private supplementary health insurances
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. 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
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