Health insurance in Germany is slightly different from the Spanish Social Security system. It is required to have health insurance in Germany.
1. HEALTH INSURANCE IN GERMANY
There’s a distinction between public and private health insurance in Germany.
- Public health insurance, Gesetzliche krankenversicherung: GKV
- Private health insurance: Privat krankenversicherung Vergleich: PKV
You will have to pay for the public health insurance (GKV) by yourself if you do not have a job (although this is also covered by the Jobcenter).
There are 4 scenarios:
- You arrive in Germany and you don’t have a job. You will have to pay for the insurance yourself. That’s about 280 euros per month. The European Health Insurance Card covers you for the first 3 months.
- If you have a job: Your boss pays part of it, and the other part is deducted from your salary. The percentage to be paid depends on your gross monthly salary.
- If you are unemployed ( but you are registered as looking for a job) or if you are fired: The Jobcenter will cover all the costs of your krankenkasse.
- You are registered as a self-employed in Germany: 15.5% of your gross salary.
2. WHAT THE KRANKENKASSE INCLUDES
The benefits will depend on each Krankenkasse. Overall, they all cover the basic stuff.
3. WHICH KRANKENKASSE TO CHOOSE IN GERMANY
Here are some examples of things this health insurance includes:
- MRIs. Open MRT in case of anxiety/panic to normal MRT.
- In case you need a dental splint, it is also covered by the insurance.
- An annual dental check-up is covered and a small surface dental cleaning.
- Vaccinations you need when travelling.
- Free tests for the early detection of skin cancer, from the age of 35.
- 12 physiotherapy sessions per year. Then you have to pay a small amount at the end of the last session. Between 15 and 25 approximately.
You can consult all the benefits that BARMER includes in this link, it is in English.
For information about BARMER’s BONUS program click here.
5. TO HAVE SURGERY IN GERMANY
In case you need to have surgery in Germany and have to stay at the hospital, you will have to pay 10 Euros for each day you are in hospital.
6. BONUS PROGRAM
Not all Krankenkasse offer these BONUS programs. In most of these programs, you accumulate points or money. Take the example of the TechnikerKrankenkasse above.
You accumulate those points or money by going for regular check-ups, like the example of the skin cancer check-up from the age of 20, or if you go regularly to the dentist.
7. OTHER KRANKENKASSE IN GERMANY
I’m leaving you the links to other Krankenkasse for you to try and take a look at:
8. DENTIST IN GERMANY
As I mentioned at the beginning, the basic check-up at the dentist is included with your Krankenkasse, but usually the basic and strictly necessary things. To see what each one of them includes, I leave you the links to the Krankenkasse that I have talked about.