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Health Insurance in Germany: Your Guide to Moving
A move to Germany brings many questions. One of the most important is health insurance. The German healthcare system is complex, but we are here to help you navigate it. Do you need personal advice? Contact us for individual assistance.
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A move to Germany brings many questions. One of the most important is health insurance. The German healthcare system is complex, but we are here to help you navigate it. Do you need personal advice? Contact us for individual assistance.
A move to Germany brings many questions. One of the most important is health insurance. The German healthcare system is complex, but we are here to help you navigate it. Do you need personal advice? Contact us for individual assistance.
A move to Germany brings many questions. One of the most important is health insurance. The German healthcare system is complex, but we are here to help you navigate it. Do you need personal advice? Contact us for individual assistance.
Planning a move to Germany? Discover all the essential information about health insurance – from choosing the right provider to the specific regulations for expats and EU citizens.
Overview of the German Healthcare System
The German healthcare system is a dual system, divided into statutory health insurance (GKV) and private health insurance (PKV). The GKV is a mandatory insurance for employees whose gross annual salary is below the annual earnings threshold (JEG). In 2022, this threshold was 64,350 euros. Self-employed individuals, civil servants, and employees above this threshold have the option to choose private insurance. GKV contributions are based on income, whereas PKV contributions depend on age, health status, and chosen coverage. It's important to understand the differences between GKV and PKV to make the right decision for your individual situation.
The EU Equal Treatment Office provides comprehensive information for EU citizens on the German healthcare system. We at GoMovin help you navigate this complex system.
Importance of Health Insurance for Residence Permits and Visas
For a long-term stay in Germany, you need a residence permit or a visa. One of the basic requirements for granting a residence title is proof of valid health insurance. Without such insurance, you cannot obtain a residence permit. This applies to both EU citizens and non-EU citizens. Health insurance serves as protection in case of illness and ensures that you can receive medical care if necessary. It is advisable to arrange health insurance early to avoid delays in obtaining a residence permit. Our insurance experts are happy to advise you on the necessary steps.
N26 offers banking solutions for managing your finances in relation to health insurance payments. Remember: Valid health insurance is mandatory for obtaining a residence permit.
Objective of this Article
This article aims to provide you with a comprehensive overview of health insurance when moving to Germany. We clarify the most important questions and show you which aspects you should consider when choosing the right health insurance. Whether you are from an EU country or a non-EU country, whether you are an employee, self-employed, or a retiree – we provide you with the necessary information to make the right decision. Our goal is to make your move to Germany as easy and stress-free as possible. We at GoMovin are here to assist you with our expertise and support you with all questions regarding relocation. Use our relocation service to plan your move optimally.
EU citizens benefit from compulsory health insurance when employed
Statutory Health Insurance Obligation for Employees
As an EU citizen, you are generally required to have insurance as soon as you take up employment in Germany. This means you must register with a statutory health insurance fund. However, there is an exception: if you can prove that you already have sufficient health insurance coverage elsewhere, you can be exempted from the insurance obligation. This may be the case, for instance, if you continue to be insured through your health insurance in your home country. It's important to address the formalities early to avoid unnecessary complications. The Techniker Krankenkasse (TK) provides detailed information on the requirements for joining statutory health insurance.
EU citizens are typically required to have insurance when employed in Germany. An exception exists if you can prove adequate health insurance coverage elsewhere. We at GoMovin can assist you in providing the necessary proof.
European Health Insurance Card (EHIC) and Form S1
For temporary stays in Germany, you can use the European Health Insurance Card (EHIC). This card covers necessary medical treatments. However, if you plan a longer stay, you will need Form S1. This form allows you access to healthcare services equivalent to those insured in Germany. You obtain Form S1 from your health insurance in your home country. It is important to apply for the form in good time to ensure that you have adequate insurance during your stay in Germany. The Consumer Advice Centre offers information on EHIC benefits for long-term stays abroad within the EU. The EHIC covers necessary medical treatments, while Form S1 provides access to more comprehensive healthcare services.
Voluntary Statutory Health Insurance Membership for Non-Employed Individuals
If you are an EU citizen who is not working, you may have the option to voluntarily join the statutory health insurance under certain conditions. One requirement is that you must have been legally insured in an EU country beforehand. Additionally, you must apply for voluntary insurance within three months of your arrival in Germany. It is advisable to familiarise yourself early with the requirements and seek advice from a health insurance provider. The Krankenkassen.de provides information on voluntary insurance for non-employed individuals. Voluntary membership in the statutory health insurance requires prior legal insurance in an EU country and must be applied for within three months of arrival. Our insurance experts will support you in the application process.
Non-EU citizens: Observe residence rights and health insurance obligations
Residency Requirements
For non-EU/EEA citizens to take up employment in Germany, a residence permit is required. The issuance of this permit depends on various factors, including your qualifications and the specific job offer. It is important to get information about the necessary requirements early on and to compile the necessary documents. The immigration office can provide specific information about the requirements. GoMovin supports you in compiling all necessary documents for your residence permit application. The necessity of a residence permit for employment depends on qualifications and job offer.
Health Insurance Obligations and Options
In Germany, non-EU/EEA citizens are also subject to mandatory health insurance. Whether you need statutory or private insurance depends on your income and status. As an employee with an income below the annual income threshold, you are generally required to have statutory insurance. Self-employed individuals and employees above this threshold can choose between statutory and private health insurance. It is advisable to consult with an expert to find the right option for you. Our insurance experts are happy to help you choose the right health insurance. The choice between statutory and private health insurance depends on income and status.
Special Regulations for Turkish Citizens
Turkish citizens benefit from special residency rights for employees. These rights are based on the association agreement between the EU and Turkey. It is important to inform yourself about these special regulations to know your rights and obligations. The immigration office can provide information about the specific regulations for Turkish citizens. GoMovin supports you in clarifying your individual situation. Turkish citizens benefit from special residency rights for employees.
German pensioners: Secure health insurance coverage in the EU/EEA area
German Pensioners in the EU/EEA Region and Switzerland
If you are a German pensioner moving to the EU/EEA region or Switzerland, your German health insurance can continue under certain conditions. A key requirement is that you receive a German pension and do not use health services in your new country of residence. In this case, you remain insured with the German health insurance. However, it is important to contact your health insurance provider early to clarify the necessary formalities. The German Embassy in Prague offers information on health insurance for pensioners. The continuation of German health insurance depends on receiving a German pension and not using health services in the new country of residence.
Portable Document S1
To access health services in your new country of residence, you need the Portable Document S1. This document entitles you to the same health services as residents insured there. You will receive the Portable Document S1 from your German health insurance provider. It is important to apply for the document in good time to ensure that you receive medical care if needed. GoMovin assists you in applying for the Portable Document S1. The Portable Document S1 is essential for accessing health services in the new country of residence.
German Pensioners in Treaty States
If you are a German pensioner moving to a so-called treaty state, your KVdR (Health Insurance for Pensioners) can be continued under certain conditions. This is usually the case if you do not receive a pension from the treaty state. However, it is important to contact your health insurance provider early to clarify the exact conditions. The German Embassy in Prague offers information on health insurance for pensioners in treaty states. The continuation of KVdR is usually dependent on not receiving a pension from the treaty state.
Pensioners in the United Kingdom (Post-Brexit)
For pensioners in the United Kingdom, special regulations apply after Brexit. For those residing before 2021, a grandfathering protection applies. In new cases, maintaining German health insurance may be possible, but there may be a loss of care benefits. It is advisable to contact your health insurance provider early to clarify the individual impacts of Brexit on your health insurance. For pensioners residing before 2021, grandfathering protection applies, while in new cases, a loss of care benefits is possible.
Unemployment: Secure statutory health insurance entitlement by registering as unemployed
Entitlement to Statutory Health Insurance Upon Registering as Unemployed in Germany
If you become unemployed in Germany, you are entitled to statutory health insurance (GKV) benefits as soon as you register as unemployed with the employment office. By registering as unemployed, you automatically gain access to the GKV. It is important to register with the employment office immediately after becoming unemployed to ensure health insurance coverage. Krankenkassen.de provides information about health insurance coverage during unemployment. By registering as unemployed, you gain access to statutory health insurance.
Alternatives for Non-Employed Individuals
If you are not employed and do not qualify for unemployment benefits, there are various alternatives to ensure your health insurance coverage. You can voluntarily insure yourself with the GKV or take out private health insurance. Another option is the so-called guest insurance, which is only a short-term solution. It's important to inform yourself early about the different options available and find the right solution for you. Our insurance experts are happy to advise you on the various possibilities. For non-employed individuals, there is the option of voluntary GKV membership, private health insurance, or short-term guest insurance.
Avoid insurance gaps: Use short-term solutions and basic tariffs
Short-term Stays and Transitional Phases
For short-term stays and transitional phases, a guest insurance can be a suitable temporary solution. This insurance provides you with coverage in case of illness, but it is generally not extendable once you have entered Germany. Therefore, it is important to arrange for long-term health insurance at an early stage. The Krankenkassen.de provides information about guest insurance. The guest insurance is a temporary solution that cannot be extended after entry.
Private Health Insurance with Basic Tariff
The private health insurance offers a basic tariff with an admission obligation. This means that you must be accepted even if you have pre-existing conditions. The benefits of the basic tariff are comparable to those of statutory health insurance. Under certain conditions, premium subsidies are possible if you are entitled to basic social security. It is advisable to seek expert advice to weigh the advantages and disadvantages of the basic tariff. The basic tariff offers an admission obligation and benefits comparable to those of statutory health insurance.
Returning to Germany
If you return to Germany after being abroad, you have the right to be reinstated in your previous health insurance. If you were previously covered by statutory insurance, you can return to your previous insurer. If you were previously privately insured, you have the right to be admitted to the basic tariff. It is important to contact your health insurance provider early to clarify the necessary formalities. The Auslandstreff.de provides information on return insurance. You have the right to be reinstated in your previous health insurance.
Deferred Health Insurance
A deferred health insurance allows you to retain your original private health insurance plan without undergoing a new health examination. There are two types of deferred health insurance: small and large deferral. The large deferral also allows you to maintain your aging reserves, which can potentially lead to lower premiums upon return. It is advisable to seek expert advice to find the option that suits you best. The deferred health insurance allows retention of the original private health insurance plan without a new health examination.
Health Insurance: Avoid Gaps and Take Advantage of Advisory Services
Avoiding Insurance Gaps
Continuous health insurance coverage is crucial to being protected in the event of illness and avoiding financial risks. It's imperative that you avoid insurance gaps, as these can lead to significant issues. Be informed early about the different options and ensure that you have adequate coverage at all times. Our insurance experts help you to avoid insurance gaps.
Consultation by Consumer Advice Centres and Clearinghouses
When it comes to resolving individual questions and uncertainties, it is advisable to seek advice from consumer advice centres and clearinghouses. These organisations offer you independent and competent advice, helping you to find the right solution for you. Take advantage of these services to gather comprehensive information and avoid making wrong decisions. The commuter info recommends consultation by consumer advice centres. Consumer advice centres and clearinghouses offer independent and competent advice.
Annual Income Threshold (AIT)
The Annual Income Threshold (AIT) plays an important role in the choice between statutory and private health insurance. If your income is below this threshold, you are generally required to be statutorily insured. If your income is above this threshold, you have the option to choose between statutory and private health insurance. It is important to know the AIT and take it into account in your decision. The commuter info provides information about the annual income threshold. The annual income threshold is crucial for choosing between statutory and private health insurance.
Cross-border Workers
For individuals who work in Germany but live in another country (cross-border workers), special regulations apply. It is important to be informed about these regulations to ensure you have adequate insurance. The commuter info provides information about the special regulations for cross-border workers. Special regulations apply to cross-border workers regarding health insurance.
Successful relocation: Secure yourself early
Summary of Key Points
Choosing the right health insurance is a crucial factor for a successful relocation to Germany. It's important to familiarize yourself early with the various options and find the solution that suits you best. Consider your individual situation, your income, and your status. Avoid insurance gaps and take advantage of consultancy services to prevent wrong decisions. With the right health insurance, you are covered in case of illness and can enjoy your move to Germany without stress. Choosing the right health insurance is crucial for a successful relocation to Germany.
Recommendations for Newcomers
For newcomers to Germany, we recommend informing yourself early about the German healthcare system and the different health insurance options. Seek comprehensive advice and ensure you have seamless health insurance coverage. Use the services of consumer centres and clearing houses to address your individual questions. With good preparation and the right health insurance, nothing stands in the way of a successful start in Germany. We at GoMovin are happy to assist you with any questions regarding your move. Our relocation assistance offers you comprehensive support in planning and executing your move. Contact us today to learn more about our services. Early information and advice are crucial for a successful start in Germany.
Planning a move to Germany? Choosing the right health insurance can be complex, but with the right support, it is easier than you think. We at GoMovin streamline the relocation process and make international relocation stress-free, efficient, and tailored to your needs. Whether you are looking for an all-in-one solution for international moves with personal advice, legal support, property services, or cultural integration, we are here for you.
With our expertise and global network, we support you every step of the way – from the initial consultation to successful integration in Germany. We understand that every move is unique, and thus offer personalized solutions tailored to your needs.
Invest in a smooth transition and benefit from our experience. Contact us today to learn more about our services and optimally plan your move. Visit our contact page to start your individual consultation and make your move to Germany stress-free.
Further useful links
The EU Equal Treatment Office provides comprehensive information for EU citizens about the German healthcare system.
The Techniker Krankenkasse (TK) offers detailed information on the requirements for joining statutory health insurance.
The Consumer Centre provides information on the benefits of the EHIC during long-term stays in other EU countries.
The German Embassy in Prague offers information on health insurance for pensioners.
Commuter Info recommends consulting consumer centres and provides information on the annual income threshold as well as special regulations for cross-border commuters.
FAQ
Which health insurance is mandatory for me as an EU citizen in Germany?
As an EU citizen, you are generally required to have insurance as soon as you start employment in Germany. You must register with a statutory health insurance fund (GKV), unless you can prove alternative adequate health insurance coverage.
What is the S1 form and why do I need it?
The S1 form allows you as an EU citizen access to healthcare services in Germany that are equivalent to those available to individuals insured in Germany. You obtain it from your health insurance provider in your home country and it is required for a longer stay.
Can I voluntarily insure myself in the statutory health insurance if I'm not employed?
Yes, as an EU citizen without employment, under certain conditions, you can voluntarily insure yourself in the GKV. The condition is that you have previously been legally insured in an EU country and apply within three months of your arrival.
Do I need a residence permit to work in Germany as a non-EU citizen?
Yes, citizens from outside the EU/EEA generally require a residence permit to work in Germany. The issuance depends on your qualifications and the specific job offer.
What happens to my German health insurance if I move abroad to the EU as a retiree?
Your German health insurance can continue in certain situations if you receive a German pension and do not access healthcare services in your new country of residence. You need the Portable Document S1.
What happens if I become unemployed in Germany?
Once you register as unemployed with the employment office, you are entitled to benefits from the statutory health insurance (GKV).
What is a guest insurance and when is it useful?
Guest insurance is a short-term solution for temporary stays and transitional periods. However, it is generally non-renewable once you have entered Germany.
What is the basic tariff in private health insurance?
The basic tariff in private health insurance offers an obligation to accept, even with pre-existing conditions. The benefits are comparable to those of the statutory health insurance.
