Off topic: Question to freelancers living in Germany - Health Insurance
Thread poster: Vittorina Klingbeil

Vittorina Klingbeil  Identity Verified
Local time: 08:12
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,

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KSL Berlin  Identity Verified
Local time: 07:12
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
Local time: 08:12
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
Local time: 08:12
French to German
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Bund der Auswärtserwerbstätigen (BDAE e.V.) Jan 22, 2009

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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Question to freelancers living in Germany - Health Insurance

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