German Health Insurance

BPROTECTED GERMANY

Health Insurance Germany

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Residence Permit Germany

Since 2009, those living and working in Germany have been legally required to have valid health insurance. People from countries outside the EU who intend to stay in Germany for longer than 90 days have to apply for a residence permit Germany or a visa.

Under Section 5(1)(1) of the German Residence Act, in order for a residence permit to be granted the applicant must prove self-sufficiency during their period of residence in the country; this requires them to take out sufficient health insurance, as per Section 2(3) of this Act.

Applicants for a German residence permit have two options for health insurance: a German private health insurance plan or an international health insurance scheme, both of which should provide adequate cover. It is worth noting, however, that schemes provided by international health insurance companies do not always meet all the conditions required by German law.

So, what are the requirements of German law? If foreign nationals are not covered by statutory German health insurance, they must prove they have a health insurance policy from a non-statutory health insurance provider. The health cover should reflect the nature and scope of the German statutory health insurance scheme and certain legal requirements must be met. In particular, the health insurance cover must not:

  • Require high levels of excess to be paid by the person covered
  • Exclude any large-scale benefits
  • Limit the reimbursement of costs in the event of the insured person requiring medical treatment
  • Include any indemnity or expiry clauses in relation to the insured person’s age, whether they change the reason for their residency or whether they cease a certain activity.

The policy must also be renewable or extendable automatically and not expire, thus serving as a type of life insurance.

The Bundesanstalt für Finanzdienstleistungsaufsicht or German Federal Supervisory Authority for Financial Services, situated in Bonn, specifies that the agreement between the insured person and the insurers must meet all the legal requirements for German health insurance, as per Book V of the German Social Security Statute, Section 257(2) (a).

You can find out whether an international health insurance policy is valid in Germany by asking the insurance company whether they meet all the legal requirements. If they cannot answer positively, they almost certainly do not meet German statutory health insurance requirements.

As an independent insurance broker, I offer an extensive range of options to help clients and their families to find bespoke health insurance cover that will meet all their needs.

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

Testimonials

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
lt Ingenieur

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
Marketing Director