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-   -   Which health insurance? (https://britishexpats.com/forum/germany-134/health-insurance-916325/)

Lucyp Aug 21st 2018 9:51 am

Which health insurance?
 
My daughter (who is half German) recently up sticks from the UK and moved to Berlin, foolishly she has no health insurance, or job as yet (although her boyfriend does), needs to see a doctor. I don't think she qualifies for the AOK. But she's baffled as to which of the private heath insurance she should apply for. Any suggestions as to who she could talk to for advice?

Thairetired2016 Aug 21st 2018 10:09 am

Re: Which health insurance?
 

Originally Posted by Lucyp (Post 12551958)
My daughter (who is half German) recently up sticks from the UK and moved to Berlin, foolishly she has no health insurance, or job as yet (although her boyfriend does), needs to see a doctor. I don't think she qualifies for the AOK. But she's baffled as to which of the private heath insurance she should apply for. Any suggestions as to who she could talk to for advice?

Ehic would have covered them or travel insurance. I assume they have a national insurance no.
You are required by law to have insurance in the Schengen area.
Any private insurer will do provided she can afford the premium.

Assanah Aug 21st 2018 4:24 pm

Re: Which health insurance?
 
She is probably still insured via the UK. I think it will depend on how long she has been in Germany if she is still covered.

BTW, It is illegal to be in Germany without health insurance. She should check if she needs to get insurance in Germany. If she is obligated to get German insurance she will need to pay all monthly fees (reduced) retrospectively.

Thairetired2016 Aug 21st 2018 4:43 pm

Re: Which health insurance?
 

Originally Posted by Assanah (Post 12552226)
She is probably still insured via the UK. I think it will depend on how long she has been in Germany if she is still covered.

BTW, It is illegal to be in Germany without health insurance. She should check if she needs to get insurance in Germany. If she is obligated to get German insurance she will need to pay all monthly fees (reduced) retrospectively.

​​​​​​Unless she is habitually resident in UK she has no longer access to NHS treatment. EHIC cover is for limited time and only for emergency. Read the rules. She cannot apply for S1 (transfer of cover from NHS to AOK) as she is not a pensioner.
One option may be voluntary contributions for AOK membership. Contribution are income based (proof income tax return). Private will be cheaper option for a young person.

scot47 Aug 23rd 2018 12:26 pm

Re: Which health insurance?
 
https://www.aok.de/pk/uni/

This is the big one in most areas.

Thairetired2016 Aug 23rd 2018 3:01 pm

Re: Which health insurance?
 

Originally Posted by scot47 (Post 12553207)
https://www.aok.de/pk/uni/

This is the big one in most areas.

AOK is not a private company but government regulated. You can't just go and join.

scot47 Aug 23rd 2018 7:18 pm

Re: Which health insurance?
 
I think all the companies are regulated. But you need insurance.

Read this

https://www.gkv-spitzenverband.de/en..._insurance.jsp

Thairetired2016 Aug 24th 2018 5:56 am

Re: Which health insurance?
 
The AOK is one of many statuatory health funds. Difference between them is price, and what you get for yiur money. AOK cannot refuse to take you, others can. Private and for young folks cheaper are companies like Allia z, Ergo, Axa etc.

Novocastrian Dec 28th 2018 5:17 pm

Re: Which health insurance?
 

Originally Posted by Thairetired2016 (Post 12553657)
The AOK is one of many statuatory health funds. Difference between them is price, and what you get for yiur money. AOK cannot refuse to take you, others can. Private and for young folks cheaper are companies like Allia z, Ergo, Axa etc.

When I lived in Germany I used Signal Versicherung. I can't remember the cost (in DM!) but it wasn't expensive.

GermanytoCanada Jan 6th 2019 9:15 pm

Re: Which health insurance?
 
The private insurance is cheaper while you are young but it is very difficult to move back to state insurance later. If she is planning to stay long term she may be better staying with the state ones as they don't go up with age etc and include dependants for free.
We used TK and found them to be excellent but I understand that they may not be the cheapest.


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