Health insurance in Germany
Travel insurance
Going back home to visit your relatives and friends? Fleeing from German winter for a couple of weeks? A well-planned trip can enhance your well-being in many ways. Of course, good planning also includes considering travel insurance that covers a wide range of eventualities.
Examples of travel insurance are travel health, cancellation, luggage or return insurances.
Private health insurance
Health is for many people the most important areas of life. If that is also the case for you, a good health insurance should be priority number one.
It’s important to distinguish between public (statutory) and private health insurance. While public health insurance covers most necessary services, private health insurance, or private medical insurance, provides a greater variety of options to tailor your coverage to your ideal level of protection.
If you are eligible, want to get rid of long waiting times, mediocre care and medicine and enjoy life long guaranteed high cover with the best suitable health insurance provider for you, get in touch now!
Sickness allowance
Over the course of your life, you may encounter a variety of illnesses, most of which typically have a mild course. However, if you become ill to the extent that you are bedridden for several days or even weeks, your employer will provide you with continued payment of your salary for 42 days. From this point on, your health insurance will take over a part of the payment of your salary. To level out the difference, you can take out sickness allowance insurance to compensate. This way, depending on the conditions of the insurance, you will receive the full salary amount for the duration of the illness. This insurance is particularly advisable if you are self-employed or insured with a private health insurance.
Supplementary health insurance
As a policyholder of statutory health insurance, you may be disadvantaged in many aspects compared to policyholders of private health insurance. For instance, private insurance patients may receive better hospital services, nicer rooms, and access to higher-ranking doctors. To address this disparity in coverage without leaving your statutory health insurance, you can take out supplementary health insurance, which has several possibilities. In-patient, out-patient and dental supplementary health insurance are the most common.
Nursery care insurance
Our modern civilization brings with it many advantages but also a number of disadvantages that need to be addressed. One of the disadvantages is that increased life expectancy has significantly raised the likelihood of needing long-term care. With nursery care insurance, you don’t run the risk of having to use your personal savings to cover the usually very high monthly care costs. The earlier you take out nursery care insurance, the cheaper the monthly premiums are.
Public health insurance
Germany offers a healthcare insurance which is mandatory for most employees. It is also voluntary to join if you are above the income threshold or self-employed.
It offers comprehensive coverage, including doctor’s visits, hospital stays, and prescription drugs. There are copayments for some services, but it ensures equal access to healthcare. Family members are often covered, and it’s regulated by the government to maintain quality standards.
Dental insurance
The subsidies provided by public health insurance only partially cover the costs of items such as tooth cleaning, bridges, crowns, or inlays. Therefore, you can take out private supplementary dental insurance. This insurance expands the benefits of public health insurance to include subsidies for prophylaxis, dental prosthetics, and fillings, among others. Dental supplementary insurance is often the best solution to reduce your coverage gap.
