Get a professional and licensed english speaking consultant for privat und public health insurances in Germany.
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Both the public and private health insurance systems have important advantages and disadvantages. Basically, there is no clear „better“ and „worse“. In terms of benefits and comfort, private health insurance wins with attractive options. However, if you have a family with several children, the public health insurance attracts you with its free family insurance. In addition, the public health insurance is obliged to accept, which can be an advantage.
You can only switch to private health insurance if your annual salary exceeds 64,350€. A good state of health is required.
For a decision between public health insurance and private health insurance, it requires a carefully prepared consultation, a competent and licensed contact person.
I will help you find an insurance company that is solvent and offers plans that exactly match your coverage needs. In addition, I help you with the configuration of the deductible, scope of coverage and other specific questions such as the optimal amount of daily sickness benefits, compulsory long-term care insurance, etc.
Health insurance splits Germany into two classes. Literally. As a privately insured patient you get an appointment within the next 3 days, at many doctors you wait in a luxurious waiting room, in the hospital you enjoy regeneration in a 1 and 2 bed room and the operation is performed by the chief doctor. In addition, depending on your income, you may save a lot of money.
On the other hand, it can be expensive with children. And the wish into the public health insurance can be fulfilled partly only with difficulty. Also, the very precise selection and configuration of private health insurance in Germany is very crucial, because it is a modular principle. Aspects such as self-participation, dental benefits, protection abroad, the level of medical and additional benefits, etc. should be carefully selected.
With public health insurance, everyone is treated equally and the contribution is calculated according to salary. You can’t do much wrong here. However, one will not get beyond only the most necessary treatments and materials without additional insurance or private co-payment.
German Insurances can finally be checked off your to-do list. Now nothing stands in the way of a safe and carefree life for you as an expat and professional in Germany.
Whether you are an employee or a freelancer. Whether are you from India, Africa, Asia or South America. I help expats and professionals from all over the world to successfully find their way in the German health insurance system.
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