DLATITUDE252 Enrollment in health insurance, either public or private, is mandatory for all residents of Germany. Private health insurance has a number of advantages to public health insurance, including cheaper rates, better coverage, and quicker access to medical care. Public health insurance is sometimes thought of as the standard. However, because there are stringent qualifying conditions, not everyone is able to purchase this insurance. Regretfully, it may be challenging to decide which course of action is best for you given the deluge of contradictory information available online. Feather can help you determine whether purchasing private health insurance is the best option for you in this post.
Crossfit was born and gained a cult-like following. And by the late 20-teens, the buzziest workouts had shifted to Frankenstein-like hybrids that aimed to challenge people’s physical capabilities. Think: Pilates and HIIT fusion classes, yoga sculpt sessions in heated studios, and Tabata-style strength training.
In Germany, who is qualified for private health insurance?
Became The Coolest Workout
It’s important to remember that independent artists are not eligible for private health insurance. Rather, they are given preferential access to state-funded health insurance. You may depend on our advice to learn how to obtain coverage if your line of work falls into this group.
So, after months of isolation and Zoom workouts, walks with friends became the new happy hour.
What medical condition might prevent me from applying?
Secondly, eligibility is impacted by some pre-existing medical problems. Asthma, arthritis, autoimmune disorders, cancer, diabetes, ADHD, mental health issues, and recent or ongoing psychotherapy are a few of them. Although they don’t always, other (combinations) diagnoses may result in a denial, a risk fee, or an exclusion from coverage. Don’t worry if you would really like to get insured but are unsure if you qualify due to your medical history. Just apply for coverage, and if necessary, we’ll provide you with options.
Is it possible for my private health insurance plan to include dependents?
And lastly, the choice involves your loved ones. Use our eligibility tool to see if any of your family members qualify for private health insurance if you need to provide coverage for dependents. But bear in mind that commercial health insurance charges a monthly premium for each extra member, whereas public health insurance would cover your dependents at no cost. In general, young families with one or two children, or those seeking more extensive coverage, will still find the latter to be a more beneficial option. See our family guide for more information!
Is it reasonable to get private health insurance in Germany?
Contrary to popular assumption, private health insurance can be less expensive than public health insurance. Several factors determine whether it is the case.
It will be less expensive if you apply when you are younger and in better health. Additionally, if you work for a German company, they are required to cover up to half of your insurance premiums (this also holds true for public health insurance). Let’s give an illustration. Private health insurance for a thirty-year-old worker in good health starts at €424.45 a month. After deducting their employer’s part, their final payment will be just €212.22. In contrast, the cost of public health insurance would be €975.08, of which they would pay €487.54 after accounting for their employer’s share.
Additionally, if your country of origin is not in the EU or EEA, you have a limited residency status (such as a Blue Card), and you want to stay in Germany for fewer than five years, you qualify for a special offer. You qualify for our short-term private health coverage under these circumstances. This makes the coverage far more affordable because it excludes old-age savings, which are a required feature of long-term policies exclusively. The good news is that all limited residency licenses are compatible with short-term plans. If you decide to stay longer than five years, you can easily convert to a long-term plan.
Finally, there are different coverage levels, allowing you to choose between standard and premium cover. To get your personal quote and coverage details for short- and long-term plans, have a look here. If you’re unsure what to pick, speak to our insurance experts.
What’s the average cost of private health insurance?
The monthly cost of private health insurance is based on your age and health at the time you signup. That means, unlike public health insurance, your contributions to private health contributions do not increase when your salary raises. But just like with public health insurance, your employer has to pay up to half of your monthly contribution.
The growing expenses of medical services, technology, and inflation may result in premium increases for both public and commercial health insurance. Fortunately, the providers are required by law to show justification for any rate increases. To put things in perspective, since 2013, the average annual increase in private health insurance premiums has been approximately 3.3%, while the yearly increase in public health insurance premiums has been 2.8%.
We’ve developed an easy-to-use application that may provide you with a recommendation in a matter of minutes in order to gain more understanding. Obtain a unique quote if you would want a customized rate for private health insurance.
Why should I choose private over public health insurance?
Private health insurance offers some decisive perks. Have a look at the main differences below:
| Private | Public | Annotations | |
|---|---|---|---|
| Range of available doctors | Wide | Limited | |
| Speedy medical appointment | Yes* | No | *Doctors reserve appointments for private patients |
| Comprehensive cover | Yes | No | You can compare the coverage here |
| Sick pay | No* | Yes | *Add-on available |
| Cashback | Yes* | Limited | *Under some plans, if you don’t submit bills for a full calendar year |
Furthermore, the monthly contribution to public health insurance is tied to your salary and gets more expensive the more you earn. In contrast, the private health premium is only based on your age and health at the time you apply, often making it more cost-effective for those with a high income.
However, public health insurance can be the better option if your health conditions prevent you from joining for private health coverage, or if you’re planning to add several dependents to your policy. With this in mind, our recommendation tool will give you an indication of what may be best for you. For an in-depth look, you can also consult our guide to private health insurance.
Which private health insurance plan suits you the best?
We’ve taken it upon ourselves to give you the finest coverage based on your specific needs, in keeping with our objective to provide “Honest, Simple Insurance.” We have chosen commercial health insurance plans based on their composition, openness, and service quality in 2022. It’s also insurance that is non-profit. This implies that any gains have to be returned to you or reinvested in order to enhance the service or provide more competitive and cheap prices.
If you’d like to form your own opinion, have a look at our plans or consult the testimonials of others who have chosen Feather. And if there is anything else you’d like support with, you can speak to our experts today!
