If you’ve recently moved to Germany then you might be surprised to find out that health insurance isn’t free for everyone. Unlike the UK, and other European countries, Germany has a dual payer system which includes both a private and public option. Instead of health contributions being taken directly from their taxes, residents are required…
Unfortunately, choosing health insurance in Germany is not so easy. While might be many reasons why one would choose public health insurance over private, the main one ultimately comes down to employment. Why does employment have so much bearing on which health insurance type to choose? Well, for starters: If you’re employed and earning less…
Reasons why: You may be self-employed person from a Non-European Union country (e.g. United States) You may have a “mini-job” with just a few hours that doesn’t require your employer to cover you. You may be a student over 30 years old. Here are your other options: Expat health insurance Accepted as proof of insurance…
Roberto moved to Munich from Spain in the summer of 2018. Before moving, Roberto enrolled at a University in Munich for a Biochemistry program that would begin in the fall. Shortly after arriving in Germany, Roberto visited an insurance agent who sold him Mawista incoming insurance for 68 euros per month. The agent assured…
There’s a couple of things to sort out when moving to Germany. They’re all straightforward if you work with the right companies. e.g. Opening a bank account can range from weeks, in person with lots of paperwork to minutes. So: Sort out your visa if you’re a non-EU resident. Get a place to live. https://www.wg-gesucht.de/en/…
Here you’ll learn about the fundamental differences between the NHS and the German “Krankenkassen” and a quick intro to how the German system works, so you’ll understand the different options presented to you! This is by no means exhaustive, and is also simplified. Single payer vs multi payer In the UK there is only one NHS…
The one insurance that every German knows you should have. Private liability insurance. Why is that? German law: The BGB says that you are liable for damage dealt to others (even accidental) with your entire wealth. Including any future earnings! And as you can get great coverage for less than 4 euros a month, there…
There is a lot to think about when moving to Germany. Insurance unfortunately is one of these things. We’ll provide you with the basics here, what should you watch out for, and where you can find further information. And if you don’t want to read the whole thing get your own quick version here: Basic…