The German health insurance system made simple - made in Germany.
Moving to Germany may cause much bureaucracy - but with the right guide it runs fast and easy. We know there is so much to do, so please don’t let the mandatory enrollment in health
insurance slow you down. We choose the right type of health insuance for living in Germany. As independent insurance brokers we compare
How to cover your medical expenses in Germany? Meet our English speaking experts.
We help to choose a healthcare plan for you taylormade without much paperwork.
Public or Private Health
Healthcare coverage for
students, expats & residents
Choose your plan out of
50 haelthcare companies
We’ll help you to find the most suitable protection for you and your family.
German Health system. Made simple.
Ask me and get a personal consultation in English without additional fees.
Tobias | English-speaking insurance broker
As a country with one of the best healtcare system worldwide, the German requirements are not always easy to understand - especially for foreign immigrants. There are two different
health insurance systems, both equally valid, but running in parallel. The public statutory health system and private health insurancel
Private health insurance here is an insurance policy which covers the cost of private healthcare. It works in a similar way like any other insurance – you pay monthly
or annual premiums, and your provider re-claims ome or all of the cost of the medical treatment you receive.
The public statutory health system is compareable to NHS in the UK for example. Premium depending on your income. As a member of the statutory system you own a
membercard (EHIC) to confirm cover when you visit a medical provider like your GP or hosptial. The treatment cost will be billed and re.claimed directly. However you won´t have pay
first and wait for reimbursement. As yo may expect the benefits are on a very low level of nessesary treatments.
We've teamed up to help you find your perfect cover - professional and without additional costs.
Welcome to FinanzSchneiderei, Germanys most visited expatriate broker and the premier online comparison website for international health insurance.
For expats the German Health system can be really confusing and difficult to unterstand at first sight. Our experienced experts for German insurance are looking forward to answer your
questions - for free, independent and competently. Together we will find an "customized" insurance which covers all your needs.
If you are either living overseas or planning to begin the expatriate life in Germany then you will be able to find all of the best international medical insurance companies online in a
comparison table, which is simple to use and easy to understand.
With more agreements in place with more international health insurance companies, Finanzschneiderei is considered to be the most comprehensive expatriate international insurance website for
people working or studying in Germany.
If you are looking to get the best deals on your international health insurance plan or need advice regarding insurance then look no further than FinanzSchneiderei and get your free
quotes and comparisons today.
Better safe than sorry.
A health insurance reimburses you high costs in case of illness or accidents, including necessary medication. The German health insurance is divided into two systems - the statutory health
insurance (SHI) and the private health insurance (PHI). Since 2009 a general health insurance obligation requires Germans and everyone living in Germany to be health insured. This
must also include coverage for certain medical check-ups and pregnancy. It is important to understand the health system in order to filter out the most suitable plan for you while living in
A private health insurance is especially interesting for young and healthy people, as the contribution amount is calculated out of the age, health status and scope of services,
regardless of income. Also for employer or employees with a high income, civil servants, freelancers and self-employed persons private health insurer are particularly low,
because the contribution doesn't depend on earnings. As you see, the PHI can be cheaper than the SHI in many cases and offers you a higher scope of services,
like for example shorter waiting times for treatments or doctors speaking your native language. In general, private health plans cover a wider choice of medical and dental
treatments and provide broad geographical coverage. Additional services can be individually designed and adapted to the customer, even for statutory health insured
Approximately 80% of the people in Germany are members of the statutory health insurance system. Customers are often employees and pensioners. The contributions can be
calculated from the income with a rate of 15% of the earnings and an additional contribution of 1%. So people with a high income have to pay more an should think about
if it s more profitable to change to a private health plan, which insures people independent of their earnings. Let our experts help you - whether for a comprehensive health insurance or
additional insurance to the statutory health insurance - we advise you independently and competently.
The European health insurance offers millions of customers worldwide the best benefits and favorable contributions. Although international insurance companies,
so-called EWR service providers, are still largely unknown in Germany, more and more people are opting for EU health insurance. The German private health insurance and the
European health insurance are in comparison with the scope of services on a similar high level - but usually much cheaper. Neither penalties nor credit- or health checks are required to be
admitted. The European health insurance currently protects many people in Germany, also non-insured ones, from expensive treatment costs in case of illness, but the companies
from neighboring EU countries can not replace a German substitutive private health insurance.
EWR service providers are European health insurance companies that are authorized to offer their insurance to all persons in the European Union. So what has long
been practice in Europe is finally gaining importance in Germany as well. However, due to German jurisdiction the tariffs offered do not or only partially correspond to the health insurance
obligation applicable in this country. Although the offers from the EU can cover free choice of doctor, treatment as a private patient or comfortable head physician
treatment - a German private or statutory health insurance can not replace international companies.
Our conclusion: The EEA service providers offer favorable tariffs with good services. However, the requirements of a compulsory insurance acc. §193 VVG are not completely
fulfilled and can not replace a German private or statutory health insurance. The contracts are valid in accordance with the Schengen Visa Code as a proof of travel health
insurance as a condition for stays in Germany.
All non-German students studying at a German university or college must have a health insurance. Different conditions apply depending on the country of origin, age and purpose of stay. In
general, students are divided into one of the following five groups:
People who want to immigrate to Germany and thus seeking permanent residency have to take out health insurance to be issued with a German Visa.
If you are a citizen of a Member State of the EU have the right to live in any country of the EU. You have to demonstrate sufficient mean of subsistence to earn a residence in Germany. In
addition you have to transact a German health insurance.
Immigrants from countries requiring a visa to enter Germany must already have health insurance coverage at the time of entry. Depending on whether or not an immigrant is gainfully employed,
different conditions apply.
People living in Germany can protect themselves well against all possible eventualities of their everyday life by taking out insurance. In general, insurance policies can be divided into two
categories: Your personal insurance on the one hand and the property insurance for your property on the other. Property insurances protect objects from destruction, damage or loss, personal
insurances offer you protection from special life risks, in case of illness or an accident. Below you will find an overview of the various kinds of property insurance.
The supplementary insurance serves to close gaps in your health insurance coverage. It is taken out with a private insurance company.
Liability insurance covers damage caused by negligence, lack of performance or reckless behaviour. It applies to all damages for which you are responsible. Only damage to third parties is
covered by the insurance.
All drivers of motor vehicles are under an obligation of taking out motor third party liability insurance. The insurance will cover damage resulting from an accident caused by the vehicle
driver. It will cover damages to foreign motor vehicles, but can be applied to your own vehicle at additional cost.
Legal expenses insurance covers the costs of legal proceedings, including a lawyer, the costs of experts and legal costs, as well as the costs of the other party if you lose the case. You
can only make a claim after a certain waiting period, which begins with the conclusion of the insurance policy.
A life insurance policy covers the risks of death or disability and can also be used as a retirement provision. Depending on your risk profile, various contract options are offered. A
fixed sum insured is agreed, which is either paid out after a certain number of years in the event of survival or earlier in the event of death.
What to do in an emergency? Especially if you require medical care in an emergency or if you need a hospital as quickly as possible, it is essential to know who to turn to and how to
get help. Below is some information on how to behave.
There are two different numbers that can be called in an emergency. You can call them if medical treatment is needed fast or in any other emergency or illness:
112 - Fire and ambulance services
Medicines are normally obtained from pharmacies. They are identified by a large red "A" icon. There are two types of medication:
available without a doctor's prescription (e.g. headache tablets)
medical examination and prescription required (e.g. antibiotics)
+49 831 / 930 62 440
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Private Health Insurance Germany
FinanzSchneiderei Versicherungsmakler Kempten im Allgäu
Telefon: 0831 / 930 62 440
Mo. bis Fr. 8:00 bis 19:00 Uhr
SERVICE KEMPTEN - ALLGÄU
Auf der Breite 38a, 87439 Kempten / Allgäu
Friedberg bei Augsburg
Telefon: 0821 / 907 86 440
SERVICE AUGSBURG - FRIEDBERG
Paul-Lenz-Str. 1, 86316 Friedberg / Bayern
Ausländische EWR Dienstleister bieten umfassende Deckung der Kosten im Krankheitsfall. In Übereinstimmung mit den geltenden Vorschriften in Deutschland erfüllen
die Angebote nur teilweise die Kriterien der Pflichtversicherung gemäß Art. §193 VVG. Beiträge werden u. a. ohne Altersrückstellung kalkuliert und sind nicht geeignet, die im
deutschen Sozialversicherungssystem vorgesehene Kranken- und Pflegeversicherung zu ersetzen.
Erstinformation nach Versicherungsvermittlungsverordnung (VersVermV)
Die FinanzSchneiderei GmbH & Co. KG Versicherungsmakler führt die Erlaubnis §34c GewO der Stadt Kempten und ist als Versicherungsmakler nach § 34d Abs. 1 der
Gewerbeordnung tätig, bei der zuständigen Behörde, der Industrie- und Handelskammer für München und Oberbayern, gemeldet und im Vermittlerregister unter der Nummer D-88UK-71CSR-84 registriert.
Sie können diese Angaben bei der Registerstelle überprüfen: DIHK | Deutscher Industrie- und Handelskammertag e.V. | Breite Straße 29 | 10178 Berlin | Tel.: 0180-600-585-0 (20 Cent/Min
aus dem dt. Festnetz, max. 60 Cent/Minute aus Mobilfunknetzen ) www.vermittlerregister.info . Die FinanzSchneiderei hält keine unmittelbare oder mittelbare Beteiligung an den Stimmrechten oder am
Kapital eines Versicherungsunternehmens. Ein Versicherungsunternehmen hält keine unmittelbare oder mittelbare Beteiligung an den Stimmrechten oder am Kapital der Gesellschaft. Im Rahmen Ihres
Beratungsangebotes erhält die FinanzSchneiderei für die erfolgreiche Vermittlung eines Versicherungsvertrages eine Provision vom Produktanbieter. Diese Provision ist somit nicht separat an die
FinanzSchneiderei zu bezahlen, sondern bereits in der Versicherungsprämie enthalten. Soweit Vergütungsbestandteile durch den Kunden gezahlt werden müssen, erfolgt dies ausschließlich nur
entsprechend einer gesondert zu treffenden schriftlichen Vergütungsvereinbarung. Schlichtungsstellen für außergerichtliche Streitbeilegung: 1. Versicherungsombudsmann e.V. | Postfach 08 06 32 |
10006 Berlin 2. Ombudsmann private Kranken- und Pflegeversicherung Postfach 06 02 22 | 10052 Berlin.