Travel Health Insurance For Foreigners in Germany
Regardless of what your intentions to visit a foreign country are, there are certain things you have to get right in order to enjoy your stay in that particular country. One of the fundamentals involved include your health. Anything that relates to your health is something you canít ignore. Furthermore, you only want to prepare for the worst so that youí arenít caught off-guard.
Today, there are different categories of people who frequently visit Germany. These include students, tourists, workers, business individuals, scientists and long term travelers. These people visit Europe for specific reasons, yet they are all tied under one requirementó travel health insurance.
Whatís this health insurance anyway?
Firstly, the German health care system is one system in the world that works all round the clock to take care of both German citizens and foreigners who visit the country for specific reasons. That means there is an obligation to have some sort of cover to shield you in case you fall ill while on a visit.
If you are a student, there are stringent rules at the University you intend to enroll in, which outline the fact that itís mandatory for every student to have health insurance before enrolling for their study programs.
Health insurance in Germany has two components, and you need to understand them before visiting. There is compulsory insurance and private insurance. The compulsory one provides basic protection for all people, regardless of what you went to do in Germany. In order to ensure that every person is able to pay for the insurance, the monthly fees are calculated based on a personís income. If you earn more, youíll pay more. If you earn less, youíll pay less. As for the students, there are even cheaper offers.
On the other hand, private insurance offers individual protection and can be claimed by self-employed persons, clerks, as well as persons with high income earning capacity. The monthly fee charged here is calculated based on the insured personís age and health status.
Are you a student? Here is where to start
If you want to study in Germany, you must start by checking if thereís social insurance convention between your country and Germany. Such conventions exist between countries who are members of European Union. However, Germany still has some convention with other countries as well. In case you are lucky to find that your country has such a convention with Germany, then it is possible to use the current insurance you are using in your home country.
If such convention does not exist, it is still possible that your former insurance takes care of you when abroad. This also depends with the type of cover you have. Some health insurance policies provide for those who are abroad, meaning you can still enjoy some benefits with your current policy.
Your third option is to consider the possibility of private insurance for foreign countries known as "Auslandskrankenversicherung" in German language. This type of insurance is offered by companies in Germany, as well as those in your home country.
However, itís beneficial if you worked with a German company because they know the rules and regulations, and they could easily fit your policy to suit the prevailing conditions. Youíll receive an official document to show at the University or boarder entry point.
Here are the most basic things that should be included in your insurance:
- Cost of medicine and pharmaceutical products
- Ambulant and residential medical treatment
- Basic dental treatment and dental procedures
- If you need glasses or lenses, the cover must include all these
- Pregnancy as well as treatment of the newborn
- After accident services and treatments
- Coverage of transportation to the hospital
Before getting a health insurance, make sure that it covers all aspects important to you.
Are you a worker? Are you seeking to work in Germany?
Since you are looking to work in Germany, it is evident that youíll stay for a long time, and a good health insurance is obligatory. You donít want to find yourself in the extreme end when things go wrong.
If you come from countries that have some conventions with Germany, you might find it a little bit easier because special insurance conducts and regulations are already fulfilled. These rules apply regardless of whether you are employed or self-employed. However, if you are employed in Germany and self-employed in your home country, then you can get insured both in Germany and in your home country. Furthermore, you donít have to get a health insurance in Germany if your term is fixed and does not last more than 12 months. In fact, you donít even need the E101 form.
However, if you are a foreign worker from a country that is not a member of the European Union, you need to get a health insurance in Germany, and this scenario does not depend on the length of your stay. If you want to get a compulsory health insurance, you need to get a resident permit, plus a working permit for Germany. You can apply for all these at your German embassy.
Are you a tourist or researcher? Private insurance tips for you
Again, private insurance is calculated based on age and health status of the insured person. The idea is to pay for your own risk. Private insurance offers the possibility of several benefits to the insured. However, private insurance for both foreign workers/scientists/tourists can prove to be a problem sometimes. They may require a minimum stay in Germany, or they may only allow those who have been members of their company for a long period. But if you search carefully, you might just find a private insurance company that offers special contracts to foreigners who are visiting for the first time.
Offers often include bonus such as free transport back home. This is very important to every foreigner visiting Germany because it covers any serious injury or death occurring when in Germany.
Whether you are a working individual or a scientist doing research in Germany, you should ensure that your cover has the following:
- Basic dental treatment
- Curative treatment, which includes massage, physiotherapy, etc
- Accidental additives
- Costs for medicines and pharmaceuticals
- Residential medical treatment
- Transport to the nearest hospital
- Pregnancy and treatment of the newborn
- Transport to home country
- Lastly, it should protect you from injuries that might arise at your workplace or during your research duties