Information on German insurance_incl health insurance

DIFFERENT TYPES OF INSURANCE

you, private supplements are available as well. You may make an appointment with a general practitioner or dentist of your choice. Some doctors will require an appointment while others allow walk-ins. Note that some doctors might only offer services to privately health insured. The public health insurance only covers certain services. Non-covered services are called IGEL services. IGEL services must be paid for separately by you. The doctor / dentist must inform you of any extra costs before the treatment begins. AOK, BEK, BKK, DAK, TK – There are more than 140 providers in Germany. The services provided are determined by the government and are quite similar, though we suggest you check before you apply.

acupuncture), depending on the portfolio of your health insurance. You may make an appointment at any doctor or dentist you wish. Some doctors will require an appointment first while others allow walk-ins. When you register at the doctor’s or dentist’s reception you might be required to show your health card, which will be scanned and returned to you. The doctor will send you an invoice that needs to be advanced by you. You will then have to hand it in at your insurance, in order to be reimbursed by them. Allianz, AXA, Barmenia, DKV, Gothaer, Hallesche e.g. – There are more than 60 providers in Germany. Due to the wide range of insurances tariffs you should ask for advice by an independent insurance broker before applying.

Choosing a doctor or dentist

Paying for doctor’s and dentist’s visit

Providers (examples)

PERSONAL LIABILITY INSURANCE (PRIVAT-HAFTPFLICHTVERSICHERUNG)

a) Car: An unlimited, third-party liability insurance policy is compulsory for all cars/motorized vehicles entering Germany. Safe drivers are rewarded by reductions of their premiums. In order to benefit from this, please provide a record of your insurance history from your insurance provider. b) Private: This insurance is optional, but highly recommended. Many landlords will demand proof of liability insurance before signing a lease contract, since it covers cases of liability for injury or damage to other persons or their property. Basic or standard coverage is €5-10 million against injury or damage and €50,000 against damage to a rented property. Some insurances offer special premiums for individuals. Not every aspect is covered by this type of insurance, so please check with your insurance provider regarding what fields are covered or not under the policy. c) If you have a dog, please be advised that dog liability insurance is strongly recommended.

HOME INSURANCE (HAUSRATVERSICHERUNG)

Household Insurance, covering the contents of your home against fire, water damage, theft, vandalism, and hail is not required by law in Germany; however, it is recommended, and some landlords demand it. The insurance costs can depend on the size of your accommodation and the quantity and quality of your household goods.

LEGAL INSURANCE (RECHTSSCHUTZVERSICHERUNG)

Covers any legal costs you encounter up to a certain limit. And, if you want to countersue, it will cover the payment as long as there is a reasonable chance of winning. Legal insurance can be purchased for different purposes, such as for the entire family, the job, traffic infractions, or the lease of your home. For further detailed information you should contact the following recommendable English speaking independent insurance brokers* offering their services in different ways (in person, via email, on-line or phone):

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v. 2019