Want to find out more about health insurance in Germany? If you’re considering moving to Germany, it can take a bit of time to work out how the healthcare system works, and exactly what you’d like cover for.
To start with, it’s good to know that it’s compulsory for all residents to have medical insurance, whether that’s from the state or a locally licensed private provider in Germany. If you’re heading there, we can offer you top-up cover, with our international health insurance, which is supplementary to the compulsory cover you need, to stay there.
If you’re looking for private health insurance that covers you no matter where you go, giving you the reassurance you need to enjoy your new home whether it be for retirement, work or studying, then read on to find out more about how we can help you.
We’ll be there to support you, especially when you need us most. In an emergency, you’ll know you’re covered for ambulance transport, overnight stays in hospital and surgery. All our plans cover emergency evacuation and repatriation, so if you can’t get the treatment you need locally, we’ll get you to where you can, and back again. We know this can be expensive, so we don’t take this out of your overall benefit allowance.
We can help you access the in-patient or out-patient treatment you need during your time in Germany. For reassurance and to avoid possible longer waiting times, know that with our private health insurance plans, you’ll be covered for CT, MRI and PET scans, as well as surgical procedures, radiotherapy and chemotherapy, on all our cover levels. With some of our plans, you can also have additional cover for out-patient treatments that might not be fully covered by the public health insurance scheme, so you can avoid any unexpected, out-of-pocket payments.
Finding your way around a foreign healthcare system can be confusing, so it’s good to know we’re here for you 24/7, to answer any questions you may have about your cover, or about the local healthcare system in Germany.
You can have all you need online, whether it’s how to make a claim or find a provider near you, wherever you are. Our teams work round-the-clock to process your claims, meaning that over 80% are paid within just two days¹. So you can focus on your recovery, and explore your new surroundings.
We’re by your side to help you access the treatment you need, whether it’s helping you find a local doctor in Germany, or whether that’s giving you the opportunity to speak to a qualified doctor via video call or over the phone. You can use the independent Virtual Doctor Service2 to speak to a doctor at any time of day, in a language of your choice – so no need to worry about language barriers. If you’d prefer not to head out to a doctors’ surgery, or you’re short for time, you can use the service as much as you need to, no matter the level of cover you choose.
In Germany, dental treatment is often covered to a basic level by the local health insurance you’ll need. If you’d like to complement your local cover with private health insurance that covers dental treatment, then it’s good to know that if you accidentally damage your teeth, the treatment is covered on all our plans. With some of our cover levels, you can also choose to be covered for routine treatments such as check-ups, or a scale and polish.
Routine scans are covered by public insurance, but can require additional payments from you. To avoid any unpredictable bills, you can choose to include pregnancy cover with some of our plans. Read our page on the pregnancy and maternity benefit to find out more about how this works.
*Lines are open Monday to Friday, 8am-5pm (GMT).
Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.
¹ 82.9% of eligible claims submitted online between January 2021 and December 2021 were paid within 2 days.
2 Virtual Doctor service is provided by Teladoc Health. Appointments are subject to availability. You do not need to pay or claim for a consultation but you will be charged for the cost of the initial phone call when using the call back service. You won’t be charged if you request a call back using the app or online portal. Telephone appointments are available 24/7/365 and call-backs are typically within 24 hours. Telephone appointments in Greek are available between 09:00 and 21:00 EET, 7 days a week. Video appointments in English, Spanish and Mandarin are available between 08.00 and 00.00 UK time, Monday to Friday. Video appointments in German are available between 08:00 -20:00 CET, Monday to Friday.