Choosing Appropriate Health Insurance for Freelancers in Germany
Regardless of whether or not you’re a citizen of a European Union state, or working temporarily or permanently in Germany, since 2009 you must have health insurance. The good news for freelancers is that Germany has a reputation for the quality of its health care systems and, aside from state health insurance, they have the choice of private health insurance from a German or international provider.
State health insurance, known locally as Gesetzliche Krankenversicherung (GKV), is run by the German government. GKV is administered by numerous health insurance companies, or Krankenkassen, throughout Germany and every public insured person receives medical benefits, typically including in-patient and out-patient care at the nearest hospital and basic dental care, according to the state in which they live. GKV also provides health insurance for non-working dependents living at the same address at no extra cost.
Private health insurance, or Private Krankenversicherung (PKV), is an option for freelancers in Germany, but they must first opt out of state health insurance. The cost of private health insurance is based on the risk presented by the applicant, rather than income so, while cover is typically more extensive and can be tailored to each individual, private cover is not necessarily the better option. Unlike state health insurance, private health insurance requires each family member to be insured individually, so may be significantly more expensive if you wish to insure your spouse and children.
If you’re not covered by German state health insurance, as a foreign national you must demonstrate that you have appropriate private cover, from an insurance company inside or outside Germany. Legally, the level of cover must be, at least, equivalent to that provided by German state health insurance, with no exclusions, no unreasonably high excess payments, no limit on medical costs and no expiry date. If you purchase an inappropriate private health insurance plan, even if you do so before arriving in Germany, you may not be allowed to enter the country until you purchase cover that complies with the regulations. The German regulations regarding health insurance for freelancers are somewhat complicated, but any reputable international health insurance provider should have first-hand experience of working in Germany and be able to advise you on the correct level of cover you require as a freelancer.
In summary, we are proud to offer:
- Immediate, free insurance quotes
- Friendly, knowledgeable service
- Specific plans for employees, freelancers and the self-employed
- Assistance with form completion
- Fast, simple processing
- Guaranteed 48-hour turnaround for residence permit applications
This Company is perfect for any English-speaking families who are new to Germany and confused by the many health insurance options there are here. B-protected helped us to get the very best deal on our health insurance, both in terms of price and quality. I am very happy indeed to recommend B-Protected!Dinah McL. 45 years, British
Director of Corporate Social Responsibility
I came across B-Protected Web page and I wrote them about my situation. They not only responded very quickly but the were very personal and professional with guiding me in the right direction. I truly recommend their Services because they have a personal touch in a very professional manner.Rodney D. 49 years, American
Based on my wonderful experience with B-Protected, I strongly recommend anyone living in Germany who need an insurance, to get in contact with them. They are very professional, efficient, customer warm & friendly and talking very good english. You will not miss anything! Vielen Dank.Jerry Z. 32 years, Japanese