Expatriate insurance in Germany
If you're considering becoming an expatriate in Germany, make sure you have the right international health insurance cover for your situation. Benefit from health cover that offers comprehensive protection for your local healthcare needs, as well as for future trips to and from your home country.
Germany undeniably offers expatriates an excellent quality of life and a wealth of opportunities. To help you prepare for your move to Germany, we recommend you take out an international health insurance policy with Mondassur. Read our practical advice about everyday life in Germany!
Expatriate insurance Germany Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Germany.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Germany Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Germany Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Germany Gold Expat Premium
Our most comprehensive expatriate health insurance, tailored to your expatriation in Germany.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
How do I choose expatriate insurance for Germany?
Choosing health insurance in Germany
When relocating to Germany, taking out international health insurance is a crucial step in protecting yourself against the high cost of healthcare in this country. Expatriates can benefit from so-called “1st euro” insurances, which cover all medical expenses with no deductible or waiting period.
At Mondassur, we offer a wide range of international health insurance plans for expatriates in Germany, to suit all profiles and criteria. We can advise you on the different formulas adapted to your needs, so that you can take out health insurance with complete peace of mind. In fact, you can get an immediate free quote online for health insurance in Germany, simply by filling in an online form. We’re here to help you make the best choice and offer you optimum protection for your health.
Working in Germany
Working in Germany can be an interesting opportunity for people looking for new professional perspectives. If you are planning to work in Germany, it is useful to know which sectors are hiring the most in this country:
– Service sector: the service sector is the largest in Germany, offering employment opportunities in areas such as education, healthcare, science, research and development, automotive and agriculture.
– Industry: German industry is highly developed, offering job opportunities in fields such as engineering, machine manufacturing, automotive, aerospace, shipbuilding and power generation.
– Information and communication technology: Germany is one of Europe’s leaders in this field, offering job opportunities in programming, IT security, project management, software development and data analysis.
– Finance: Frankfurt is one of Europe’s leading financial centers, offering job opportunities in banking, insurance and financial consulting.
– Tourism: Germany is a popular tourist destination, offering job opportunities in the hotel, catering, leisure and travel industries.
– Healthcare: Germany’s healthcare system is renowned for its quality, offering job opportunities for healthcare professionals such as doctors, nurses and social workers.
– Renewable energies: Germany is a world leader in renewable energies, offering job opportunities in solar, wind and hydroelectric power generation.
Schooling in Germany
Schooling in Germany is compulsory for all children from the age of 6. Education in Germany focuses on the child’s individual development and encourages the formation of well-balanced, talented children.
The RealSchule, which offers a more vocational education than the Gymnasium, is very popular with German students because of its emphasis on apprenticeships. The Gymnasium is considered a general high school preparing students for university.
There are also many international schools in Germany, due to the presence of expatriates in the country. French schools are particularly common in large cities, offering programs from primary to high school.
The school rhythm in Germany is structured in such a way as to concentrate lessons in the morning, generally until 1 p.m., allowing children to take part in leisure activities in the afternoon.
Accommodation in Germany
It’s advisable to start looking for accommodation as soon as possible, as the German real estate market can be very competitive. Specialized websites, real estate agencies and social networks can help you find a home.
Rental prices vary from city to city. Here’s an overview of average rental prices in some major German cities:
– Berlin: approx. €11/m2
– Hamburg: approx. €11/m2
– Cologne: around €10/m2
– Munich: around €15/m2
What is the cost of living in Germany?
The cost of living in Germany depends very much on the city and region you live in. In general, big cities like Berlin, Munich, Hamburg and Frankfurt have a higher cost of living than smaller towns and rural areas.
To give a general idea, here are some examples of prices in Germany:
– A single public transport ticket costs around €2.80 in Berlin, €2.90 in Frankfurt and €3.20 in Munich.
– Electricity, gas and water bills for an 85 m2 apartment cost around €150 in Berlin, €200 in Frankfurt and €250 in Munich.
– The average monthly cost of a broadband Internet subscription is around €30-35 in Berlin, €35-40 in Frankfurt and €40-45 in Munich.
Driving in Germany
If you are an EU or EEA citizen, your national driving license will allow you to drive freely in Germany, while licenses issued by other countries will only authorize you to drive in the country for a maximum of six months.
Hygiene and eating habits in Germany
No hygiene problems in restaurants, markets or stores. Tap water is safe to drink. German cuisine is simple and traditional, based on potatoes, cabbage and pork. As in Anglo-Saxon countries, breakfast is copious in Germany. Lunch is quick and dinner is quite early, between 6 and 7 pm. Germany is also the land of beer, and every region has its own. White, blonde or brunette, there’s something for everyone!
