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Which health insurance?

Which health insurance?

Old Aug 21st 2018, 9:51 am
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Default 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?
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Old Aug 21st 2018, 10:09 am
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Default Re: Which health insurance?

Originally Posted by Lucyp View Post
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.
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Old Aug 21st 2018, 4:24 pm
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Default 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.
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Old Aug 21st 2018, 4:43 pm
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Default Re: Which health insurance?

Originally Posted by Assanah View Post
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.
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Old Aug 23rd 2018, 12:26 pm
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Default Re: Which health insurance?

https://www.aok.de/pk/uni/

This is the big one in most areas.
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Old Aug 23rd 2018, 3:01 pm
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Default Re: Which health insurance?

Originally Posted by scot47 View Post
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.
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Old Aug 23rd 2018, 7:18 pm
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Default 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

Last edited by scot47; Aug 23rd 2018 at 7:24 pm.
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Old Aug 24th 2018, 5:56 am
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Default 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.
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Old Dec 28th 2018, 5:17 pm
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Default Re: Which health insurance?

Originally Posted by Thairetired2016 View Post
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.
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Old Jan 6th 2019, 9:15 pm
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Default 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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