Health insurance in Germany

Whatever your situation and the reason for your stay of varying length in Germany: a new seconded position, a new professional opportunity, an internship, a university exchange or simply a holiday, it is important to think about insuring. The interests of international health insurance are numerous and allow you to leave serenely. For this, remember to request a health insurance quote for Germany ! What do you need to know about the healthcare system in Germany?

Health insurance germany

How does the healthcare system work in Germany?

The health system in Germany has a very special functioning that depends entirely on your situation.

You work in Germany, do not benefit from the status of seconded, earn less than € 62,550 gross per year, but more than € 450 per month (which is often the case for trainees):
You are bound to be affiliated with the German public health system. Your employer takes care of the administrative procedures. The choice of doctor or hospital is free, and the quality of care is generally very good. On the other hand, the rates charged are rather high and the coverage of costs by the public health fund is only partial. Foreigners can be exempted from the German public health system if they are in possession of the European Health Insurance Card and plan to stay in Germany for less than one year. Whatever your situation, supplementary international health insurance is highly recommended, as reimbursement limits are quite limited.

You earn more than €62,550 gross per year, or you work as a freelancer or you are a student :
You have the choice of buying private health insurance or joining the public system. It may then be interesting to take out international health insurance for expatriates called “1st euro” or complementary health insurance, so as to benefit from the best possible health coverage during your stay of more or less long duration in Germany. Be careful, for those who move abroad in the long term, the return to the German public health system is very complicated when you come from the private sector.

Is it necessary to take out health insurance for Germany?

Whether you are a simple traveller or an expatriate in Germany: we strongly advise you to take out private insurance. Depending on the region of the country, health facilities do not charge the same prices and the reimbursement rates of the German public system do not cover all costs. It is therefore very important to take out insurance before your departure to Germany so as not to end up without coverage. Guarantees such as civil liability should also be taken into account as they are generally not part of the EHIC guarantees.

What are the health-related costs in Germany?

Here are some more precise figures on healthcare costs in Germany:

• Consultation with a general practitioner : About 35 euros.
• Consultation with a specialist : About 80 euros.
• Hospitalization: The costs of hospitalization vary depending on many factors, including length of stay, care required, and room type. On average, the cost of a day of hospitalization in Germany is about 400 euros.
Dental care : The costs of dental treatments, such as crowns, bridges and implants, vary depending on the type of treatment and the region, but can easily cost several hundred or even thousands of dollars.

Which health insurance to choose for Germany?

Expatriate Health Insurance in Germany

The Mondassur GoldExpat insurance policy, which can be offered in 3 offers depending on your situation, your needs and your budget, allows you to benefit, among other things, from the following benefits:
Coverage of your healthcare costs in the private sector
Repatriation in the case of major interventions
• Possibility to choose the doctor and health facilities of your choice
Health coverage still valid during your temporary returns to your home country.
It is possible to take out expatriate health insurance from Germany. However, it is strongly advised to do this before your departure, in order to benefit from the benefits as soon as possible. For more information on our GoldExpat formulas, do not hesitate to contact us by email or phone, we will be happy to help you.

Student Health Insurance in Germany

Mondassur offers various formulas designed specifically for international mobility students, whether as part of an internship or a university exchange: Junior International and Premium Access. Important services to consider include: a 24/7 medical assistance platform, direct payment in case of hospitalization, reimbursement of medical expenses at 100% of the actual costs, repatriation assistance, personal liability. These contracts also allow you to be covered for possible trips or excursions outside Germany.

Travel insurance in Germany

Depending on the criteria you are looking for, our advisors will help you find the international health insurance that suits your needs and budget. Request a quote online for free today!

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