Off topic: Question to freelancers living in Germany - Health Insurance
Thread poster: Vittorina Klingbeil (X)
| | Vittorina Klingbeil (X)
Local time: 17:08
Italian to English
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,
| | KSL Berlin
Local time: 16:08
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.
| Public health insurance also an option || Jan 22, 2009 |
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.
| | Eric Hahn (X)
Local time: 17:08
French to German
| 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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