![]() These services are defined individually by each health insurance company in its statutes. In addition, health insurance companies offer interesting special services to further increase protection in case of illness. This is ensured by an extensive catalog of health insurance services, which is constantly being expanded by doctors and health insurance representatives.Įvery insured person has a legal right to these services. Medically necessary treatments are provided at a high level. The statutory health insurance companies (GKV) in Germany offer a comprehensive service for health protection. What is a statutory health insurance (GKV)? Therefore, you should take a close look at the different health insurance companies and calculate for yourself in order to choose the best insurance for you. They also differ from individual contribution surcharges, but on closer inspection they offer the insured more advantages than the health insurance contribution. Statutory health insurances offer additional voluntary benefits over and above the statutory framework, which means financial and medical advantages. Here the benefits are at SHI level and the costs are capped at the SHI maximum.Basically, everyone has the freedom to choose their own health insurance. Only the PHI basic tariff is then available to those affected. In addition, insurers may reject the applicant on the basis of their state of health. Pre-existing conditions: These can lead to a higher PHI contribution. ![]() Pre-existing conditions have no effect on the level of contributions. Pre-existing conditions: If foreigners meet the requirements for statutory health insurance, they cannot refuse health insurance. The higher it is, the cheaper the contribution. However, you can opt for an optional deductible tariff, which allows you to save on contributions in return.ĭeductibles: With private health insurance, foreigners are free to choose the deductible amount. In the case of hospitalisation, the insurer also settles directly with the clinic.ĭeductibles: The statutory health insurance schemes do not provide for any deductibles for foreigners. Prepayment: Privately insured persons pay their medical bills themselves and then submit them to their private health insurance company, which then reimburses the costs. Exceptions to this rule are co-payments, for example for medicines, for which insured persons generally pay themselves. Prepayment: Treatment costs are paid directly by the health insurance company, so insured persons do not have to pay in advance. Moreover, innovative treatment methods are available to them more quickly than in the SHI system. Foreigners with private health insurance often benefit from shorter waiting times. ![]() In the hospital, for example, they can arrange for treatment by the senior consultant as well as a single room. The details of what the health insurance covers is described in the SHI benefits catalogue.īenefits: Insured persons determine the scope of benefits themselves. Unlike the SHI system, income plays no role.īenefits: These are for the most part identical across health insurance companies and only differ in a few additional benefits. For self-employed persons, the minimum contribution is around €149 and the maximum contribution is €736 per month.Ĭosts: The contribution amount depends on the agreed benefits, the applicant’s age when the policy was taken out and their state of health. For employees, the employer pays half of the contribution. There is also the additional contribution, which varies depending on the plan. Costs: The contribution amount depends on income and is 14.6 percent.
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