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All your Health Insurance Questions answered

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Public Health Insurance in Germany | TK for Expats

Public health insurance in Germany is a great option for expats and foreigners. If you are looking for statutory health insurance, then the Techniker Krankenkasse (TK) is a great choice. TK offers comprehensive coverage, and it’s one of the most popular health insurance providers in Germany. Let’s take a closer look at what TK has to offer, and we’ll explain why it’s such a popular choice among expats and foreigners.

Who needs German health insurance?

Germany has a compulsory health insurance system, which means that everyone who lives and works in the country must have health insurance. This includes expats from other EU countries as well as those from outside the EU. There are a few exceptions to this rule, such as diplomats and other official government representatives, but for the most part, everyone must have insurance.

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German Statutory Health Insurance for Foreigners

German Statutory Health Insurance for Foreigners, also known as expat health insurance, is a type of health insurance that is specifically designed for foreigners living in Germany. It is mandatory for all expats who are employed in Germany and is often offered by employers as part of their benefits package. Expat health insurance provides coverage for all medically necessary treatments, including hospital stays, doctor’s visits, prescriptions, and more.

In addition, expat health insurance typically includes coverage for emergency medical evacuation and repatriation. For expats who are not employed in Germany, there are a number of private health insurance options available. German Statutory Health Insurance for Foreigners is an important part of staying healthy and safe while living in Germany.

How does statutory health insurance work?

Statutory health insurance in Germany is a bit different than what you may be used to in your home country. In Germany, there are over 100 statutory health insurance providers, and each one is required to offer the same basic level of coverage. This means that you can choose whichever provider you like, based on factors such as cost, coverage, location, and more. Once you have selected a provider, you will need to pay your monthly premiums in order to maintain your coverage. In some cases, your employer may cover the cost of your insurance premiums. If not, you will need to pay them yourself. Most providers offer a basic package of benefits, which must include things like inpatient and outpatient care, preventive care, vaccinations, and maternity care. Some providers also offer additional benefits for an extra cost. In general, people are happy with the statutory health insurance system in Germany because it ensures that everyone has access to quality medical care.

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What to Consider while Choosing the Best Health Insurance in Germany

There are a few things to keep in mind while choosing the best health insurance in Germany.

The type of insurance you need

There are different types of health insurance available in Germany, such as private health insurance, expat health insurance, and statutory health insurance. Make sure to select the type of insurance that is best for your needs

Your budget

Health insurance can be expensive, so it’s important to find a plan that fits your budget. Compare the cost of premiums, deductibles, and co-pays before you make a decision

Your coverage needs

Make sure to choose a plan that covers the things that are important to you. For example, if you have a chronic illness, you will want to make sure that your insurance plan covers the cost of your medication

The reputation of the company

Do some research on the health insurance companies that are available in Germany. Make sure to read reviews and compare customer satisfaction ratings before you make a decision

The language

If you don’t speak German, it’s important to choose a health insurance company that offers customer service in English or in your language. This will make it easier to communicate with your insurance company if you have any questions or problems

The location

If you plan on living in a specific city or region in Germany, make sure to choose an insurance company that has offices in that area. This will make it easier to get the care you need when you need it.

Why do Expats in Germany Choose Techniker Krankenkasse?

Techniker Krankenkasse is one of the largest and most popular health insurance companies in Germany. They offer a wide range of benefits, including excellent customer service, a large network of doctors and hospitals, and competitive prices. In addition, they offer a number of extras, such as dental coverage and travel insurance.

Who can get TK health insurance in Germany?

Techniker Krankenkasse is open to everyone who lives or works in Germany. This includes students, self-employed workers, retirees, and expats. In order to get TK health insurance, you will need to fill out an application and provide proof of your residency or employment in Germany.

TK public health insurance benefits

All TK health insurance plans include the following benefits:

This includes things like doctor’s visits, hospital stays, surgery, and tests

This includes things like vaccinations and cancer screenings

This includes prenatal care, delivery, and postnatal care

This includes things like routine teeth cleanings and fillings

This covers you in case you need medical care while you’re traveling outside of Germany

This covers things like routine eye exams and glasses or contact lenses

This covers things like routine chiropractic adjustments such as spine, neck, and joint manipulation.

How to contact TK health insurance in Germany

If you have any questions about TK health insurance, you can contact their English speaking customer service team by clicking here.

How to Apply for Expat Health Insurance in Germany

If you’re an expat living in Germany, you may be required to have health insurance. Health insurance is mandatory for all residents of Germany, regardless of their nationality or employment status. You can apply for health insurance through a number of different providers, such as private insurers, statutory health insurers, and expat health insurers.

The application process for health insurance in Germany is relatively simple. You will need to fill out an application form and provide some basic information about yourself, such as your name, address, date of birth, and nationality. You may also be required to provide proof of your residency or employment in Germany. Once you have submitted your application, you will usually receive a decision within a few days.

Health Insurance Cost Calculator

You can use this health insurance cost calculator to estimate the cost of health insurance in Germany. The calculator will take into account a number of factors, including your age, location, and whether you smoke.

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Video Call a Doctor

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  • Video Call your doctor

  • Send and receive digital prescriptions

TK Electronic Health Card

  • The TK electronic health card contains your passport photo and signature.

  • With the TK eHealth card, doctors can settle the fees for services with the health insurance fund. 

FAQs

No, TK is a statutory health insurance provider. This means that it is regulated by the government and must offer certain benefits to all of its members.

Yes, all residents of Germany are required to have health insurance. This includes expats, students, and workers.

No, there are a number of cheaper health insurance providers in Germany. However, TK is known for its excellent customer service and wide range of benefits.

The cost of health insurance in Germany will vary depending on a number of factors, including your age, location, and whether you smoke. You can use the health insurance cost calculator to estimate the cost of your insurance.

If you are unemployed, you may be eligible for government-funded health insurance. You can also apply for private health insurance or expat health insurance.

Yes, TK is a popular and well-respected health insurance provider in Germany. It offers excellent customer service and a wide range of benefits.
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