When it comes to expat health insurance, Germany has various expat insurance packages from which to choose from, to protect their financial interests in the event of an unforeseen health issue. As a country known for having one of the most comprehensive healthcare systems globally, approximately 90% of Germany’s population is a member of the public health scheme, either mandatory or voluntary. Meanwhile, the other 10% of the population has private health insurance. Your employer is bound to 50% of your total statutory health insurance premium as a German employee. Moreover, with regards to expat insurance, Germany has three health insurance options to choose from. These are the government-regulated public health insurance scheme, private health insurance either from a German or an international insurance company, and a combination of the above two. This article will discuss the expat insurance options in Germany, outlining each option in some detail so that you can better understand the system and filter out the most suitable health insurance plan while living in Germany. While one cannot switch between different insurance options, each form of expat health insurance Germany provides comes with its specific benefits and drawbacks depending on your specific insurance needs.
Author: MW Expat
German Culture: Food, Festivals & Beer!
German culture, history and traditions have had a profound impact not only on the country itself, but also on the rest of the world, shaping everything from philosophy and music to science and technology. From its delicious food and world-famous beer to its colourful festivals and celebrations, Germany offers a unique and exciting experience to everyone who visits or lives there. For expats living in Germany, or for those considering moving to this vibrant country, getting to know the local culture can be a great way to immerse yourself in the local community and feel more at home. In this blog, we will explore some of the most exciting aspects of German culture, including its famous beer, delicious food and vibrant festivals, to help you discover what makes this country such a special and fascinating place.
German Culture: Food!
When it comes to German cuisine, you might first think of sauerkraut and bratwurst, but there is much more to discover! From the delicious Black Forest Cherry Cake to the almost endless variety of breads, every region of Germany has its own culinary specialities. Germans are known for their love of hearty dishes such as pork, meat and poultry.
Did you know that the average German consumes a whopping 72 pounds of meat per year?
But don’t worry, if you’re watching your waistline, you can still enjoy German cuisine! These days, traditional dishes have been updated with healthier versions, and Germany has some of the best continental cuisine restaurants serving delicious pasta, noodles and cheesy bread with sausages. Get ready to fall in love with the diverse and delicious world of German food!
What do Germans eat throughout their day?
One of the best ways to immerse yourself in the local culture is through food! Germans have a daily routine consisting of three meals, starting with a mouth-watering breakfast of various bread rolls, toast, Brötchen, Semmeln, Schrippen, Wecken, or Rundstücke served with delicious fruit jams. But the real culinary treat for Germans is lunch (Mittagessen), which is considered the main meal of the day. Expect to see pork, egg dishes, bread with various spreads, and meat on the menu, while vegetables are usually eaten as a side dish or in a stew. Interestingly, potatoes are so widely used that they are not even considered a vegetable in Germany! So why not try some local cuisine and indulge in the flavours of Germany?
Enjoy eating?? Celebrate it with German food festivals
If you are visiting Germany, then you will never have enough German food and beer. Five primary food and beer festivals are being celebrated every year. Germany celebrates the world’s largest wine festival hosted by the southwestern spa town of Bad Dürkheim in September, where more than 300 types of wine are served in 9 days.
Not only this, Oktoberfest is the daddy of all beverage festivals. This grand fest is held in Munich for 16 days in September and October. They tap the first barrel of beer on the first day, and a procession of people with flowers and beer barrels walk through the city. Thousands of people participate in parades with bands and props. People wear different Bavarian attire, and more than 30 tents are placed to give you the best experience. It’s best to book your favourite tent in advance.
If you are not fond of drinks but want to eat something new and delicious, you can attend long live potatoes and Kale. As the name sounds, Potato is included in almost every Germans’ recipe, and they do have their ways to thank their favourite food. This festival is celebrated on the Usedom Island in September, where all dishes of Potato are served. After a few days, you will see Kale in the environment.
If you plan to visit Germany, then pack your bags and do not forget to keep antacids with you because this place will give you primary food goals.
German Culture: Festivals!
German culture is famous for its many colourful festivals and celebrations that take place throughout the year. From the world-famous Oktoberfest to the colourful carnival celebrations, there is always something exciting going on in Germany. Attending these festivals is a great way to immerse yourself in the local culture, meet new people and have a lot of fun. Here are three of the most famous festivals that you definitely don’t want to miss:
Oktoberfest: This is perhaps the most famous festival in Germany and is held annually in Munich. The festival celebrates Bavarian culture, with lots of traditional food, music and of course beer. Visitors can also enjoy rides and games, as well as parades and other cultural events.
Carnival: Carnival is a festive season that takes place in the run-up to Lent and is particularly popular in the Rhineland. Celebrations usually include parades with elaborate floats, costumes and masks, as well as plenty of food and drink. Each city has its own traditions, so it’s worth visiting different places to experience carnival in all its diversity.
Christmas markets: During the Christmas season, Germany is famous for its traditional Christmas markets, which can be found in towns and cities all over the country. These markets are full of food, drink and handmade crafts and offer a festive atmosphere that is hard to beat. Among the most popular markets are those in Nuremberg, Dresden and Cologne.
German Culture: Beer!
It’s fascinating that Germany is the only country in the world that has a law specifically for the beer industry! But let’s take a step back in time. Did you know that Germans weren’t the original inventors of beer? Amazing, isn’t it? The art of brewing beer can be traced back to the Middle East 13,000 years ago, where roasted grains were steeped in water to make a delicious, slightly alcoholic drink. A recent discovery in Haifa, Israel, uncovered the remains of a historic brewery. From there, beer evolved into a staple food in almost every culture in the world, earning it the nickname “liquid bread.”
For centuries, German cloisters have been known for producing some of the best beer in the world for the masses. These beer-producing monasteries date back to the first millennium, 1000 to be exact, and were mostly located in southern Germany. Many of these historic institutions still exist today, including the monasteries of Andechs, St. Gallen, Weihenstephan and Weltenburg, to name but a few. Interestingly, beer was once considered safer than water and was even considered nutritious and a great source of energy. Parents even gave it to their children to keep them happy and calm. Thanks to the introduction of the Beer Purity Law, beer has become one of the most popular drinks in the world.
Let’s delve into the fascinating story of the Beer Purity Law!
Did you know that beer was once cheaper than water in Germany? Pubs were so thirsty for profit that they signed exclusive contracts with breweries, which led to a deterioration in the quality of the beer. To cut costs and maximise profits, brewers filled the beer barrels with whatever they could find, including dangerous ingredients that endangered people’s lives. It wasn’t until 1516 that Bavaria passed the Purity Law, which ensured that beer was made from only three ingredients: Barley, hops and water. Later, yeast was also added to the list of permitted ingredients. This law revolutionised the beer industry and led to over 7,000 different types and flavours of beer.
Thanks to this law, beer became the safe and nutritious drink we know today and is even suitable for children! Germans take their beer very seriously and you can taste the difference in their famous beers, such as the crisp and refreshing Pilsner, the smooth and malty Bock and the light and tangy Kölsch. So the next time you treat yourself to a cold beer, remember the history of the Reinheitsgebot and raise your glass to a safe and delicious beer!
Some of the famous beers being produced by Germans are:
- Pilsner
- Larger
- Witbier
- Kölsch
- Dunkel
- Bock
- Helles
- Märzen
- Altbier
Germany is a country with a rich and fascinating culture that has something to offer everyone. Whether you want to sample world-famous beers and delicious cuisine or immerse yourself in vibrant festivals and celebrations, Germany has it all. As an expat living in Germany or considering a move there, exploring the local culture is a great way to feel at home and connect with the local community. By attending festivals such as Oktoberfest or exploring the delicious local cuisine, you can become more familiar with the unique cultural heritage of this incredible country. So why not pack your bags and experience the wonders of German culture for yourself with a glass of chilled beer? You won’t be disappointed!
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German Healthcare System: Benefits of Living & Working in Germany
If you are planning to move to Germany as an expatriate, it’s imperative to understand the seemingly complex but well-defined German healthcare system. While the overall healthcare in Germany is considered one of the best across the globe, a few ins and outs of the system can be hard to understand for first-timers. With 11.2% GDP spent on health, which is greater than any other EU country, Germany has one of the most effective, resilient, and accessible health care systems across the globe.
German healthcare is powered by a mandatory contribution from the people in the form of health insurance. So, if you’re moving to Deutschland, here’s your guide to the health benefits of living or working in Germany.
Healthcare in Germany: An Overview
The German healthcare system is based on several health insurance plans to meet the financial capacities and medical needs of people. The robust system is known for constantly improving life expectancy in the country. The current average life expectancy in Germany at birth for male residents is 78 and for women is 83.
Built on a multi-payer-based approach, the health care system consists of statutory health insurance and private health insurance. Euro health consumer index ranked German in seventh place for having the most consumer-oriented and restriction-free healthcare system in the EU. In fact, in 2017, the German government had a record reserve of over €18 billion for healthcare, which made it one of the wealthiest healthcare systems across the globe at that time. Germany is known to spend the second-highest per capita amount on health in the EU.
How Healthcare in Germany Works
The first country around the world to establish a national social health insurance (SHI) system in 1883, Germany, quickly developed a dual public-private system to empower healthcare. With heavy reliance on self-governing structures, German healthcare has public health insurance aka the gesetzliche Krankenversicherung or Gesetzliche Krankenkasse (GKV) and a private health insurance Krankenversicherung (PKV). To live in Germany, you are legally liable to have some form of health insurance coverage, either public or private. Healthcare insurance is even essential to start a job or to obtain a visa.
An employer in Germany can hook you up with a health insurance company but if you want to choose your own, you may have to submit medical health insurance before taking a position in a company. Sometimes HR managers tend to register employees in the public health insurance system so it’s important to let them know whether you want public or private insurance.
German Healthcare System: Important Points
- Is public healthcare free in Germany? Contributions to a German health care provider are mandatory as soon as you have an income above 450€ per month. Recognised and compliant German health insurance has to cover all aspects of health care that can be considered medically necessary. Everything that is considered to be medically necessary is free of charge should you need to use it. Should you want a cover that is over and above medically necessary then it is possible to choose private health care insurance or to top the public up with private supplementary insurance (dental, hospital etc.).
- What public healthcare cover?Public healthcare covers your basic healthcare needs. Treatments and services such as prescriptions, immunisations, and dental checkups are all included in GKV. Providing this sort of nationwide basic health coverage allows Germany to keep the average healthcare costs to a minimum. The effectiveness of public health insurance in Germany has enabled several developing countries to adopt the same idea.
- How much will public healthcare cover cost? Depends on how much you earn every month. Healthcare contribution costs in Germany range between 14.6 to 15.6% of your monthly gross income, the maximum amount out of which public health care insurance is calculated from is €58,200€ for the year 2021. The state-run healthcare system will get half of the amount from the employee and the other half from the employer.
- What is the eligibility criteria for public or private health insurance in Germany?All the salaried workers with a gross monthly income less than 5,362.50 EUR and annual income less than 64,350 EUR must have gesetzliche krankenversicherung or public health insurance.You can later purchase private health insurance additionally if you become eligible. For example, a salary hike can get over 64,350 EUR per year and if you want to avail yourself the private healthcare benefits, you can do so with insurance from a private company.
Private vs Public Healthcare Insurance
When choosing between private or public healthcare insurance, a lot of factors play a significant role, such as:
- Age
- Legal status and family situation
- Salary & occupation
- Duration of your stay in Germany
- Services & benefits you want
In PKV or the private sector, you can avail certain medical services faster. However, several things should still be considered such as who is covered or what is covered or what will be the coverage cost. Answering these questions can uncover significant differences between GKV and PKV.
The easily accessible public healthcare insurance covers most people living in Germany. This is due to the fact that private health insurance is mostly available for those exceeding an income of 64,350 EUR per year or the self-employed. While German civil servants are not liable to follow that rule, expats hardly find a job in the civil service.
Fees for private insurance providers are usually less than the maximum premium paid for public insurance, making the former one more attractive and preferred. Private health insurance can be a good option for adults in good health without any kids or who are not planning to stay in Germany. Moreover, having private health insurance can also be an aid to your public insurance plan. There are several benefits of having them together. For instance, you get the option to stay in a single or double room rather than sharing a small room with three to four other beds
Benefits of Public & Private Healthcare
Private Health Insurance:
- Faster Service
- Can be quite cheaper than public premiums
- Access to exclusive healthcare experts
- You can have multilingual doctors
- Convenient if you’re on a short stay in Germany
Public Health Insurance
- Accessible by everyone in Germany
- Available without the income bar of 64,350 EUR per year
- Also covers dependent family members (spouse and children)
- No extra fees required for non-working spouse
- Your plan includes your children
When Do You Need Private Health Insurance in Germany?
If you are already insured with the state health system, you don’t need private health insurance coverage however, depending on your situation it can be very beneficial.
Private health insurance is more preferred by high-paid professionals, self-employed people living in Germany, and all German civil servants. In the case of civil servants, not everyone is obligated to get state health insurance since the state covers between 50% and 70% of the health care costs. When it comes to freelancers, they can get private insurance irrespective of their income.
Getting insured by a private insurance provider can be a complex process considering a long questionnaire they hand you over regarding your medical history and ask you to submit proof of income.
Unlike the public healthcare system, your employer will not help you through the selection and application process for getting yourself insured privately, there are companies that specialize in helping expats through this process. Health care in Germany is generally of a very high standard but the cover offered through private insurance is usually of an even higher standard. It will certainly help you with quick doctor appointments and medical attention. Also, you can also have doctors speaking your native language throughout the medical care.
When visiting Germany on a visa or with a residence permit, you also have to show healthcare coverage proof. If you’re planning to stay in Germany for a short period, you may benefit more from private health travel insurance but unlike public insurance, you would also need to get your non-working spouse and kids insured too.
Conclusion
Relocating comes with a lot of stress and confusion. The overwhelming process of moving abroad can be daunting without knowing relevant information about the destination country. This guide to the healthcare system in Germany can help you understand the perks of living or working in Deutschland. Our expert advisors are ready to make your settling in Germany seamless. Why not start early and contact us for all the information you need.
Having Children in Germany
Having children in Germany can be a cause for concern for many people considering a move to this foreign nation. However, the good news is that the standard of German healthcare is very high, especially when it comes to having a child. The healthcare system in Germany provides an amazing level of medical care to ensure the best for the newborn and their parents. If you are pregnant and want to know more about the rules and benefits for giving birth in Germany, read this blog.
Things to know about having children in Germany
Be Prepared to Go Natural
Germans believe in the natural childbirth process. In Germany, doctors step into the hospital only if there is an issue. For childbirth in Germany, Hebammen(mid-wife) are the norm. However, it doesn’t mean that the staff members don’t opt for modern tactics. They use all the latest in Medical sciences.
German Insurance Is Great
The German insurance system is very effective and comprehensive. It incorporates care for childbirth and pregnancy.
Germans Are an Open Book While Talking about Their Health
Germans love to talk about their health. It will make you feel more comfortable and interested in talking about kids.
You Can Get a Series of 3D USG Pictures
Having a black and white image of your baby at doctor’s visits is wonderful. So, you will get a series of 3D images and a video as well.
Your Mutterpass is Very Important
After you are declared pregnant officially, you will get issued this passport to motherhood at the clinic of your doctor. This tracks all doctor visits, weigh-in and blood tests.
Rights of New Mothers
Expats in Germany can experience many obstacles for navigating when it comes to becoming parents. You need to decide several things like childcare expenses, maternity leave, and other factors about family life. You may often feel stressed while working out all of these things. Thereby, you should know precisely what rights you have as a mother while making your house ready for your new-born.
Maternity Leave in Germany
In Germany, maternity leave is compulsory and federally protected. Hence, your contract won’t be terminated amid your maternity leave. In comparison with many other nations, the German parental leave system is more generous.
New moms in Germany automatically get 6 weeks of mandatory full paid leaves before childbirth and 8 weeks afterwards. Sometimes this is maximized to 12 weeks following multiple or premature births. After this time, mothers can decide when they want to return to work.Maternity Pay in Germany
During the first 6 weeks and the 8-week period after childbirth, you will get full payment. After that, you will get a partial payment for the remaining period. The mothers are usually entitled to about 65% of their income. A small amount of sibling bonus around €75 can be also applied for in case the mother has one more kid.
Financial Benefits Enjoyed by Parents and Children
In Germany, every parent is entitled to financial benefits for covering the expenses of raising kids. The German social security system offers different advances like child allowances and parent allowances that both parents and kids can take benefit from.
Child Allowance
3 possible situations about the eligibility for child allowance:
Foreign residents staying in Germany may claim public funds for their families in the form of child allowance.
Rules are different for Swiss nationals and EU citizens. They merely need to have obtain permanent residence or become subject to limitless income tax liability in Germany to get the eligibility for child allowance.
States’ citizens accorded equal status may also be eligible for child allowance in case they are hired contractually or getting ailment or unemployment advantages in Germany.
Child allowance is paid up to a minimum of 18 years old. Otherwise, it can be up to 25 years old in case the dependent is undergoing training, schooling, or higher education. Allowance for disabled child is also till 25 years of age. From January 2021, the child allowance is declared 219 Euros per month for the first and second kid. It is 225 Euros for the third child and for the fourth or other kids, it is 250 Euros.Parental Allowance
Parental allowance compensates for the income loss following childbirth. After tax deduction, tax allowance, and social security payments, it counts to 65 to 67% of the monthly average income available before birth, or a minimum of 300 Euros or a maximum of 1800 Euros.
As of 1st January 2015, a child’s parents may claim this allowance for a period of up to 14 months. They can distribute this eligibility period between them in case they want. A single parent may claim this allowance for a maximum of 1 year. This period can be maximized by 2 more months in case the partner parent is also engaged in caring for their child.
Registering a Birth in Germany and Birth Certificate
You can either register the childbirth yourself or do it by one of your family members, your doctor, the midwife, or a friend. Childbirth should be registered at the local registry office (Standesamt) in the town where you gave birth in Germany. The process must be completed within a week of the childbirth.
How to Register a Birth in Germany
You should attend a short appointment for registering your child. At this appointment, an official will check your documents and issue the birth certificate if everything is in order.
Documents Needed for Registering a Birth in Germany
Bring the following documents for registering childbirth:
- Birth certificates of both parents (in case unmarried)
- Paternity acknowledgement (in case unmarried)
- Marriage certificate (in case married)
- Valid identity proofs like passports for both parents
- The birth record, signed by the doctor or midwife
After registering your child’s birth, the registry office will inform both the local citizens’ office automatically (to register the child as a resident) and the tax office (to help parents issue a tax ID and update their details for income tax).
It takes roughly fourteen days for preparing birth certificates. While getting your child’s birth certificates, you will automatically get these free of cost:- Kindergeld
- Elterngeld
- Mutterschaftshilfe
Rules around Naming Your Child in Germany
When it comes to naming your child, there are three rules in Germany:- The name of your child can’t be an object, product, or surname.
- Earlier, the first name of a baby required indicating its gender and in case it did not, then either gender-specific name required being added or the name needed to be changed. Nevertheless, this rule has been changed and names now can be gender-neutral.
- You can’t give your child any name that might badly impact him/her when he/she is older.In Germany, the name of every baby needs to be approved by the German Civil Registration Office (Standesamt). In case the name you opt for gets disapproved by the Standesamt, you can either choose a new name or appeal this decision.
German School System – a Broad Overview
At the age of 6, children need to go to school as school attendance is mandatory in Germany. The state runs maximum German schools and no child need to pay fees for attendance. Moreover, there are some international and private schools that charge fees.
Every state is responsible for education policy. Thereby, the school system will rely on the region where families are living. Kids always don’t have a similar curriculum in all states and their textbooks may be different also. Moreover, every state has various kinds of schools. The prime structure of the German school system is as follows:
Grundschule (Primary School)
Usually, kids start their school career at the age of 6 at a primary school, which covers their first 4 grades. At the end of Grundschule, parents and teachers of the child will decide, based on the performance of the kid, which secondary school the kid is going to attend.
Weiterfuhrende Schulen (Secondary Schools)
The secondary school system is divided into the following:
- Realschule – For intermediary students
- Hauptschule – For less-academic students
- Gesamtschule – A comprehensive school that combines all types of education
- Gymnasium – For academic students
Closing Thoughts
So, this is everything you should know in case you are moving to German and are about to deliver a child to this nation. You will feel like you have done your job adding to the German population by spreading your newly gained knowledge.
Have you already given childbirth in Germany? What guidelines have you followed? Did you get helped by the expat insurance system in Germany? Feel free to share in the comment section below!