Do I need Health Insurance When Moving to Germany?

Moving to Germany? One of the first things you should consider is health insurance. Germany requires all residents, including expats and digital nomads, to have health insurance that meets specific criteria. To obtain a residence permit, you'll need coverage with a minimum of EUR 30,000 and it should cover basic medical care, hospitalization, and repatriation. This insurance should cover you from your first day in Germany and until you are enrolled in the public system or have obtained a long-term residence permit.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance plans typically meet the requirements for the German residence permit. These plans are specifically designed to cover internationally mobile individuals and usually offer comprehensive coverage, including emergency medical evacuation and repatriation. However, it's crucial to ensure that your specific plan meets the minimum coverage amount and covers the necessary types of medical care. Always double-check with your insurer to be certain.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Germany offer plans suitable for expats and digital nomads. Some of the popular ones include Techniker Krankenkasse (TK), Barmer, and Allianz Care. TK and Barmer are public health insurers and offer comprehensive coverage at a reasonable cost. Allianz Care, on the other hand, is a private insurer offering international health insurance plans tailored for expats. These insurers have experience dealing with foreigners and can provide customer service in English.

Advice from Expats in Germany about Health Insurance

Expats in Germany often advise newcomers to choose a health insurance plan that fits their specific needs and budget. It's recommended to opt for a plan that covers pre-existing conditions, if applicable. Additionally, consider plans that offer dental and vision coverage, as these are not always included in standard plans. Lastly, ensure your plan includes English customer support to ease communication. Always compare different plans and read the fine print before making a decision.