Off topic: Question to freelancers living in Germany - Health Insurance
Thread poster: Vittorina Klingbeil
Vittorina Klingbeil  Identity Verified
Germany
Local time: 04:47
Italian to English
+ ...
Jan 21, 2009

Hello all,

I have been living in Germany for some months and am scratching my head at health insurance regulations and options. I do not qualify to enter my husband's health insurance system since I earn more than the allowable limit for spousal earnings. I have already looked at DAK, whose rates are too high, and DKV, whose rates are manageable but they require me to sign a 2 year contract, which I am loath to do. I have also looked at expat schemes, such as Expacare and A La Carte.

My questions to any colleagues who have experience in this sort of thing and/or have been living here a longer time: has anyone joined one of the expat schemes and what are your experiences; any advice to offer on whether it is better to join one of the German schemes rather than the expat ones; if so, which one?

Many thanks for any advice,
Vittorina


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KSL Berlin  Identity Verified
Portugal
Local time: 03:47
Member (2003)
German to English
+ ...
Expat schemes Jan 21, 2009

We are in the process of switching to "expat schemes" for private insurance here after years with DAK and Techniker. If you are interested in a referral to Swiss broker who specializes in such things, contact me by private mail.

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Paul Skidmore  Identity Verified
Germany
Local time: 04:47
German to English
Public health insurance also an option Jan 22, 2009

Hi Vittorina

I do not know how long you plan to live in Germany. If you plan to be here more than a few months, have you considered the "public" (gesetzliche) health insurance schemes. Some 80% or so of the population in Germany are insured through these schemes and they offer coverage (and premiums) which are unrelated to any previous illnesses, disabilities or health conditions.


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xxxEric Hahn  Identity Verified
France
Local time: 04:47
French to German
+ ...
Bund der Auswärtserwerbstätigen (BDAE e.V.) Jan 22, 2009

http://www.bdae.de/

Members of this association for expats can get an affordable world wide health insurance.
Only abroad for people with German nationality, but also in Germany for foreigners.

I am a freelancer living in France as an expat !



[Edited at 2009-01-22 21:06 GMT]


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