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Category: Private Health Insurance

The Ultimate Guide to Choosing Health Insurance in Germany

Posted on by MW Expat

Choosing health insurance in Germany requires careful consideration of your circumstances and long-term needs. Germany is renowned for its high-quality healthcare system, and one of the most important decisions you will need to make when moving to the country is choosing the right health insurance. The German healthcare system is comprehensive and a bit complex, especially for expats unfamiliar with how it operates. In this guide, we will help you understand the options available and the factors that can help you select the health insurance that best suits your medical and financial needs.

Public vs. Private Health Insurance in Germany

 Germany’s healthcare system operates under a dual structure that includes both public and private health insurance. Health insurance is mandatory for everyone living in Germany, including expats, whether they choose public or private coverage. When choosing health insurance in Germany, understanding both types of coverage is key:

Public Health Insurance (GKV)

Public health insurance, known as Gesetzliche Krankenversicherung (GKV), is the default option for the majority of residents in Germany. It is mandatory for anyone earning less than €64,350 per year (as of 2023). The system is non-profit and funded by contributions from both employees and employers. In 2023, the premium is set at 14.6% of an employee’s gross income, with an additional charge of around 1.1% depending on the chosen insurer. GKV is managed by various non-profit health insurers, known as Krankenkassen, who offer similar levels of coverage but may differ in terms of customer service and extra benefits. These insurers cannot deny applications from eligible individuals, making GKV accessible to everyone who falls within the required income range or meets other eligibility criteria.

Private Health Insurance (PKV)

Private health insurance, or Private Krankenversicherung (PKV), is available to individuals who either earn more than the income threshold or are self-employed. Unlike public insurance, private insurance premiums are calculated based on factors such as age, health status, and the level of coverage selected. Private insurers offer customizable plans that allow policyholders to tailor their health coverage according to their specific needs. Private insurance provides more comprehensive coverage and faster access to medical services. Although PKV offers flexibility, once you switch to private insurance, it can be challenging to return to public insurance.

choosing health insurance in germany

Detailed Comparison of Public vs. Private Insurance

Cost Comparison 

When choosing health insurance in Germany, it’s essential to understand is that the cost structure for public and private health insurance is quite different. Public insurance premiums are based on a percentage of your income. In 2023, employees pay 14.6% of their gross income, with employers contributing half of this amount. For example, if your monthly income is €4,837, your contribution to health insurance would be approximately €770, with €385 paid by you and €385 by your employer. There is a cap, meaning that once you reach a certain income level, your contributions will not increase. Private insurance, however, operates on a system tailored to individual circumstances. Premiums depend on factors such as age, health, and the level of coverage you select. 

choosing health insurance in germany

Flexibility and Freedom of Choice 

When choosing health insurance in Germany, one of the primary benefits of private insurance (PKV) is the greater flexibility it provides. With PKV, you often have the freedom to choose your doctors and specialists without needing a referral. This can reduce waiting times and give you faster access to medical care. In contrast, public insurance typically requires referrals from a general practitioner before seeing a specialist.

In terms of hospital stays, private insurance often offers the choice of private rooms and treatment by senior physicians. Public insurance, on the other hand, only provides coverage for shared hospital rooms and treatment by the available medical staff.

Waiting times and services

The decision-making process for choosing health insurance in Germany should also consider differences in waiting times and services. Public insurance holders may experience longer waiting periods for certain treatments or specialist visits, while private patients often enjoy shorter waiting times and priority access to services. Private health insurance also tends to offer more personalized care, with some policies covering services such as direct access to alternative medicine, homeopathy and wellness treatments that may not be included in public health insurance plans.

4 Factors To Consider When Choosing Health Insurance in Germany

Choosing the right health insurance in Germany depends on various personal factors. When evaluating the different options, it’s essential to consider your specific healthcare needs to choose the right health insurance in Germany. Here are the key considerations you should keep in mind:

1. Your Income Level

Your income is the primary factor that determines whether you are eligible for public or private health insurance.

If you earn less than €64,350 annually (or €5,362 per month), you are required to join the public health insurance system. This income threshold changes slightly each year, so it is important to check the latest updates.

Public insurance is designed to be accessible for most people in Germany, while private health insurance (PKV) is generally available to high earners or self-employed individuals and a more convenient option for them. Understanding your income level is crucial as it directly impacts your ability to choose the right health insurance in Germany that fits your circumstances.

2. Pre-Existing Health Conditions

If you choose public health insurance, pre-existing medical conditions are not a concern, they are fully covered without affecting your premiums. However, this is different when it comes to private health insurance. While private insurers are required to accept individuals with pre-existing conditions, they are allowed to charge higher premiums based on the additional risk. In some cases, they may only offer limited coverage that is similar to what public insurance provides. Addressing your health needs and financial situation is crucial to choose the right health insurance in Germany.

3. Medical Coverage

The benefits provided by public and private health insurance can vary significantly. Public health insurance typically covers:

  • In-patient hospital care as a ward patient.
  • Out-patient care from general practitioners and specialists.
  • Prescription medications.
  • Basic dental care.
  • Pregnancy and maternity care.
  • Employee sick pay (up to 90% of your salary after six weeks of illness).

Private health insurance, however, allows for more tailored plans that can include additional services like:

  • Private rooms during hospital stays.
  • Direct access to specialists without a referral.
  • More comprehensive dental care.
  • Alternative medical treatments.
  • Fixed-rate premiums that do not increase significantly with age.

4. Family Coverage

If you opt for statutory health insurance, your family members, such as your wife and children, can be covered under your policy at no extra cost, as long as they do not earn more than €450 per month. This is particularly beneficial for families where only one parent works or when the other family members have minimal income. You can read more on family health insurance on this link.

Considering these factors can help you avoid common mistakes and ensure that you choose the right health insurance in Germany based on your specific needs and circumstances.

Common Mistakes to Avoid When Choosing Health Insurance in germany

When choosing health insurance in Germany, there are some common mistakes you should avoid:

  • Not considering future health needs. If you have a family history of certain medical conditions or are planning to stay long-term, choose insurance that will support your healthcare needs over time.
  • Ignoring waiting times. While public insurance may have longer waiting periods for certain treatments, private insurance provides quicker access to specialists. It might be worth spending a bit more to ensure you’re always protected and can receive timely medical care when needed.
  • Opting for the cheapest option. We understand that it may be tempting to choose the least expensive plan, but cheaper policies often provide less comprehensive coverage, which can lead to higher costs later on.

Switching Your Insurance Provider

Switching your insurance provider in Germany can be a significant decision, especially if your circumstances or preferences change over time. Whether you are covered by public or private health insurance, understanding the regulations when choosing health insurance in Germany is essential. For those enrolled in public health insurance, the minimum period of membership with a specific Krankenkasse is typically 18 months. After this period, you can switch to another public insurer without penalty. 

On the other hand, if you are considering switching to private health insurance, the rules are different. If you meet the eligibility criteria—such as earning above the annual income threshold or being self-employed—you can transition to a private insurer with a 2-month notice period. However, it’s worth noting that switching to private insurance is often a long-term commitment, as rejoining the public system can be challenging. 

We understand that choosing health insurance in Germany can seem daunting, especially for expats unfamiliar with all the options available. However, by understanding the differences between public and private health insurance, evaluating your personal needs, and staying informed about the regulations for switching providers, you can make an informed decision. Consider seeking advice from an insurance expert when choosing health insurance in Germany to ensure a smooth and informed transition. f you need personalized advice, you can arrange a free consultation with us here. We also have a live chat feature available on every page. If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly!

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.
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Family Health Insurance for Expats in Germany

Posted on by Clara

Moving to a new country comes with many challenges, and ensuring your family is adequately protected is probably one of the most important tasks. In Germany, insurance is not only a legal requirement for some aspects but also a critical part of everyday life, especially for expat families. This guide will help you navigate family health insurance for expats in Germany and choose the best insurance plans for your family’s unique needs, including health, dental, liability and more.

Choosing the Right family health insurance for Expats in germany 

Health insurance is a legal requirement for all residents in Germany, including expats. Whether you choose public or private health insurance, ensuring your entire family is covered is essential. Children and dependents can usually be included in your plan, depending on your insurance provider.

When deciding between public and private insurance, consider factors such as family size, healthcare needs and long-term plans. For most expat families, private insurance may be worth exploring if you desire more personalized services or if your family has specific medical needs that are better addressed with private providers. You can find further information about private health insurance plans on this link.

Expat family

Most Common insurance plans for families

There are several options available when it comes to family health insurance for expats in Germany. Below are the most common plans to consider for your family’s health coverage:

Liability Insurance (Haftpflichtversicherung) 

Personal liability insurance is one of the most important policies expats should consider when living in Germany. It protects you and your family from the financial consequences of accidentally causing damage to others or their property, whether in everyday life or in legal situations. While not legally required, it is highly recommended and widely regarded as essential by Germans.

Household Contents Insurance (Hausratversicherung) 

Household contents insurance protects your personal belongings against risks such as theft, fire, water damage, and natural disasters. For expats, especially families who bring valuable possessions when relocating, this insurance offers a vital layer of protection for everything inside your home.

 
Family studying at home

Life Insurance for Families

Life insurance is an essential aspect of family health insurance for expats in Germany, providing financial security for your loved ones in the event of an unexpected death. For expats, life insurance can ensure that family members are financially protected, especially if you are the primary income earner.

There are two main types of life insurance in Germany: term life insurance and whole life insurance. Term life insurance (Risikolebensversicherung) provides coverage for a specific period, such as 10, 20, or 30 years, while whole life insurance (Kapitale Lebensversicherung) covers you for your entire life and also includes a savings component.

Education and Student Insurance for Children

 For expat families with school-age children, education and student insurance provide an additional layer of protection. These policies cover students during school activities and trips, ensuring that your child is protected both in and out of the classroom. Whether your children attend an international school or a local German school, student insurance can be an invaluable addition to your family’s insurance portfolio. 


Dental Insurance 

While basic dental care is included in most public health insurance plans in Germany, the coverage is often quite limited. Expats may find that certain treatments, like advanced dental procedures or orthodontics for children, are only partially covered or not included at all. This is why supplementary dental insurance becomes valuable for families.


Travel Insurance

 As an expat, traveling to visit family or explore nearby countries is often part of your lifestyle. However, unexpected events such as illness, injury, or travel disruptions can occur. For expat families who frequently travel abroad, having travel insurance is essential. This type of insurance provides coverage for medical emergencies, trip cancellations, lost luggage, and more, ensuring that your family is protected no matter where you go, complementing family health insurance for expats in Germany. Additionally, expats also use travel insurance to cover trips back to their home country or for vacations abroad.


Disability Insurance (Berufsunfähigkeitsversicherung)

Disability insurance, or Berufsunfähigkeitsversicherung, is designed to protect your income if you become unable to work due to an accident or illness. For expats, this insurance is particularly important, as it ensures that your family’s financial stability is not jeopardized in the event of an unexpected disability.

Supplementary Insurance for Families 

Opting for the best family health insurance for expats in Germany often involves adding supplementary policies that provide additional benefits. While public health insurance in Germany offers comprehensive coverage, many expats choose to enhance their protection with supplementary insurance.

Supplementary policies can provide additional benefits that are not included in standard public or private insurance plans, such as better dental care, alternative medicine or more coverage for vision and hearing treatments. If you are enrolled in public health insurance, you may find that certain treatments or services, like dental treatments, private hospital rooms or alternative therapies, are not covered. Supplementary insurance allows you to add these benefits to your existing health plan, ensuring you and your family have access to the best possible care. Private insurance holders can also benefit from supplementary plans by increasing their coverage in specific areas.

Family health insurance for expats in Germany

How to Choose the Best Insurance Plan for Your Family 

Choosing the best family health insurance for expats in Germany requires careful consideration of several factors. The right plan will depend on your family’s size, health needs, budget and how long you plan to stay in Germany. It’s important to balance cost with coverage to ensure that your family is well-protected without overpaying for unnecessary services.

Factors to Consider When Choosing a Plan

First, assess your family’s healthcare needs. Do you have young children who need frequent medical checkups? Are you planning to have another child while living in Germany? Answering these questions can help determine whether public or private health insurance is better suited to your situation.

Next, consider your family’s financial situation. Public health insurance is income-based, making it a more affordable option for families with lower incomes. Private insurance may offer more flexibility and coverage options, but the costs can be significantly higher, especially if you have multiple family members to insure.

Consulting with Insurance Experts

For expat families who are unfamiliar with the German insurance system, consulting with an insurance broker who specializes in family health insurance for expats in Germany can be extremely helpful. Brokers can offer personalized advice based on your family’s specific needs, helping you choose the most suitable insurance plan. Additionally, they can assist with the often complex process of switching between public and private insurance or adding supplementary coverage. You can arrange a free consultation with us now. 

Tailoring Your Insurance Package

 Ultimately, the best insurance package for your family will be one that meets your healthcare needs, fits within your budget, and offers peace of mind. Many expats find that a combination of public health insurance with supplementary coverage for dental and vision care provides the best balance of cost and protection. However, private insurance can also be a great option for those who need more personalized services or are looking for a wider range of coverage.

Avoid Common Pitfalls 

One of the most common mistakes people make is rushing into an insurance contract without fully understanding the terms, especially when it comes to family health insurance for expats in Germany. Insurance contracts in Germany can be complex and full of legal jargon, so it’s important to review the policy thoroughly or seek advice from an expert before signing. 

Keep Insurance Policies Organized

For expat families, it’s essential to keep all insurance documents organized and easily accessible. Whether it’s health, liability, or household contents insurance, having a system in place to store your contracts, contact information, and policy details can save you time and stress in the event of an emergency. Consider using a digital insurance manager or cloud storage to keep your documents safe and accessible anywhere.

Choosing the right insurance plans for your family as an expat in Germany is crucial for your financial security and peace of mind. When exploring family health insurance for expats in Germany, it’s essential to assess your family’s healthcare needs. From mandatory health insurance to optional but highly recommended plans like liability and household contents insurance, there are a wide variety of options available to suit every family’s needs.  If you need further assistance, feel free to reach out to us. We now have a live chat feature available on every page! If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly!

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.
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How to Save on Insurance Costs in Germany

Posted on by Clara

Table of Contents

While we know that insurance is essential for protecting your health, assets and liability, the costs can quickly add up. Fortunately, there are several strategies you can use to save on your insurance without compromising coverage. In this article, we will walk you through how to save on insurance costs in Germany, ensuring that you get the best value for your money.

1. Understanding the German Insurance Landscape

Before talking about how to save on insurance costs, it’s crucial to understand the types of insurance commonly required or recommended in Germany. These include:

Understanding these categories helps you identify which insurances are necessary for your situation and which you might avoid or minimize. For example, if you’re an expat who’s going to be in Germany for only six months, you might want to avoid long-term insurance policies like private health insurance or home insurance with lengthy contracts, opting instead for short-term or travel insurance plans that cover your immediate needs without locking you into extended commitments.

Someone working with a computer
Woman working from home

2. Assess Your Insurance Needs

The first step in saving on insurance is assessing your actual needs. Over-insurance can lead to unnecessary expenses, while under-insurance can leave you vulnerable. You should consider the following factors to stay informed about how to save on insurance costs:

  • Ensure you have the mandatory and required coverage, such as health and car insurance, but avoid over-insuring with additional riders or unnecessary coverage levels.
  • Decide which optional policies are essential based on your lifestyle. For instance, if you rent, renter’s insurance might be more relevant than home insurance.
  • Your age, health, family status, and occupation should guide your insurance choices. A young, single professional might not need the same coverage as a family with children.

3. how to save on insurance costs: 8 tips

We know that cutting down on your insurance expenses can be hard, which is why we’ve compiled some valuable tips to illustrate how to save on insurance costs without sacrificing coverage. 

Consider Bundling Policies

Bundling multiple insurance policies with a single provider can lead to significant discounts and reduce your insurance costs:

  • Multi-policy discount. Many insurers offer discounts if you combine health, car and home insurance under one provider.
  • Ease of management. Bundling policies can also make managing your insurance more straightforward, with one point of contact and potentially lower administrative fees.

Increase Your Deductibles

Learning how to save on insurance costs involves understanding various strategies that can help you reduce your premiums while maintaining essential coverage. One of the key points you should know is that a higher deductible can lower your monthly premiums. This approach works well if you’re generally healthy or don’t anticipate frequent claims. Here’s what to consider:

  • Risk assessment: Evaluate the likelihood of needing to file a claim. If you rarely use your insurance, opting for a higher deductible can save you money.
  • Potential savings: For example, raising your car insurance deductible from €150 to €500 could significantly reduce your premium.
  • Emergency fund: Ensure you have an emergency fund to cover the deductible if needed.

Use Pay-Per-Mile Insurance

If you don’t drive often, consider switching to a pay-per-mile insurance plan. This type of insurance can be significantly cheaper than traditional policies for low-mileage drivers.

Pay-per-mile plans charge a base rate plus a small fee for each mile driven, making it ideal for those who drive occasionally. Mileage is tracked via a device installed in your car, ensuring accurate billing. If you drive less than 10,000 kilometers a year, this option can save you hundreds of euros annually. You can learn more about how pay-per-mile insurance works and find strategies on how to save on insurance costs in this article.

Shaking hands to sign a car insurance
Home camera

Install Safety Features

Adding safety features to your home or car can reduce your insurance premiums. Installing smoke detectors, burglar alarms or security cameras can lead to lower premiums as they reduce the risk of fire, theft or damage.

As for car insurance, anti-theft devices, dash cams or advanced driver-assistance systems (ADAS) can make your car safer, resulting in discounts.

Make sure to inform your insurer and provide proof of these installations to qualify for the discount.

Consider Family Insurance

If you are married and have children, check if they can be added to your health insurance as family members. Family insurance can be more affordable than individual plans.

Maintain a Good Credit Score

Your credit score can influence your insurance rates in Germany. Insurers often use credit information to assess risk, so maintaining a good score is crucial:

  • Impact on premiums: A higher credit score generally leads to lower premiums, as you’re considered a lower-risk customer.
  • Improving your score: Pay bills on time, reduce outstanding debt and check your credit report regularly for errors.
  • Monitor regularly: Use services like Schufa to monitor your credit score and ensure it remains in good standing. 
People reviewing documents

Review and Adjust Your Coverage Regularly

Insurance needs change over time, so it’s essential to review your policies at least once a year to stay informed about how to save on insurance costs. Major life events like marriage, the birth of a child or buying a home should prompt a review of your insurance coverage. Keep an eye out for cost adjustments and ensure that you’re not paying for coverage you no longer need or that has become outdated.

Avoid Unnecessary Add-Ons

Insurance policies often come with optional add-ons that might not be necessary for everyone. Assess whether these add-ons provide value based on your personal situation. If not, consider dropping them to reduce your premium. Common extras include roadside assistance, rental car coverage or extended warranties.

Customize your insurance to include only the coverage you need, eliminating unnecessary expenses.

As demonstrated in this article, learning how to save on insurance costs in Germany doesn’t have to be complicated. By assessing your needs and regularly reviewing and adjusting your coverage, you will ensure that you’re always getting the best value for your money. 

Remember, the key to long-term savings is staying informed and proactive about your insurance policies. In the end, mastering how to save on insurance costs means making informed decisions that balance affordability with adequate coverage. If you want personalized advice or need further information, don’t hesitate to reach out to us. We now have a live chat feature available on every page! If you have any questions, just click to start a conversation, and our team will be happy to assist you shortly.

What our clients say about our services

GOWRI S.
GOWRI S.
Proven Expert Review
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Anonymously
Anonymously
Proven Expert Review
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Nikos
Nikos
Proven Expert Review
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Anonymously
Anonymously
Proven Expert Review
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.
Get a free Quote

Secure your future abroad with tailored insurance & pension plans

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How Social Security Has Evolved in Germany

Posted on by MW Expat

Social security stands as a fundamental pillar in contemporary societies, providing a safety net for citizens in times of need. In Germany, this concept has a rich history that has evolved significantly over the years. From its origins in the late 19th century to the robust system in place today, Germany’s social security system has seen remarkable transformations.

In this article, we’ll take a journey through time to explore how social security in Germany has evolved.

Historical Background

Germany’s social security journey can be traced back to the late 19th century when Chancellor Otto von Bismarck introduced a pioneering social legislation package.

The German Chancellor was driven to implement social insurance in Germany with two main objectives: first, to enhance the welfare of workers, ensuring the optimal performance of the German economy, and second, to mitigate demands for more radical socialist alternatives.

In 1889, he established the world’s first old-age social insurance system, with a primary focus on pension benefits for industrial workers.

The German system included obligatory retirement and disability benefits, with contributions taken from employees, employers, and the government. This, combined with the workers’ compensation initiative introduced in 1884 and the “sickness” insurance program implemented the previous year, established a thorough income security system in Germany rooted in the principles of social insurance.

Library History Research

World War I

After World War I, there was swift progress in the expansion of social insurance programs across various regions. The concept of social protection found its place on the agendas of newly established international bodies, such as the ILO and the International Conference of National Unions of Mutual Benefit Societies and Sickness Insurance Funds, which originated in Brussels in October 1927 and eventually evolved into the International Social Security Association (ISSA).”

pexels-alex-tim-754943

Weimar Republic and World War II

The Weimar Republic faced economic and political instability during the early 20th century, which had an impact on social security programs.

However, World War II brought about significant changes as the nation rebuilt itself after the devastation. The aftermath of the war saw the consolidation and expansion of social security initiatives to address the needs of a recovering population.

In 1944, the ILO’s historic Declaration of Philadelphia called for the expansion of social security measures. It also advocated for the international or regional promotion of systematic and direct cooperation among social security institutions, the regular exchange of information, and the examination of shared challenges concerning the administration of social security.

Just a year later, the United Nations General Assembly adopted the Universal Declaration of Human Rights, which, in Article 22, acknowledged that “Everyone, as a member of society, has the right to social security”.

Weimar Republic and World War II

The Weimar Republic faced economic and political instability during the early 20th century, which had an impact on social security programs.

However, World War II brought about significant changes as the nation rebuilt itself after the devastation. The aftermath of the war saw the consolidation and expansion of social security initiatives to address the needs of a recovering population.

In 1944, the ILO’s historic Declaration of Philadelphia called for the expansion of social security measures. It also advocated for the international or regional promotion of systematic and direct cooperation among social security institutions, the regular exchange of information, and the examination of shared challenges concerning the administration of social security.

Just a year later, the United Nations General Assembly adopted the Universal Declaration of Human Rights, which, in Article 22, acknowledged that “Everyone, as a member of society, has the right to social security”.

pexels-alex-tim-754943

Post-World War II Reforms

The post-war era witnessed extensive reforms in Germany’s social security system. Comprehensive social insurance systems, including health, pension, and unemployment insurance, were established to ensure the well-being of citizens. This period also saw the emergence of the social market economy, which played a pivotal role in shaping the country’s social security policies.

These reforms were not only designed to provide financial protection but also aimed to foster social cohesion and economic stability.

One remarkable reform during this period was the introduction of the “Sozialer Ausgleich” or “social compensation” policy. This initiative, implemented in the 1950s, aimed to balance income disparities by redistributing wealth through progressive taxation and social benefits. It was a key component of the broader effort to create a fair and just society in post-war Germany.

These post-World War II reforms laid the foundation for the robust social security system that exists in Germany today.

Law Scales Government Regulation

German Reunification and Social Security

The reunification of East and West Germany in 1990 posed unique challenges for social security. Integrating the social security systems of the two regions required careful planning and coordination. East Germany had its own distinct social security framework, developed during the years of the German Democratic Republic (GDR), which differed significantly from that of West Germany.

One of the most significant challenges was the merging of pension systems. East Germany’s pension system was based on a “pay-as-you-go” model, where current workers’ contributions funded the pensions of retirees. In contrast, West Germany had a more advanced and financially robust pension system.

Another area of focus during reunification was healthcare. East and West Germany had different healthcare systems with varying levels of coverage and infrastructure. The goal was to create a unified healthcare system that ensured equal access to medical services for all citizens.

Despite the complexities, the reunification of Germany’s social security systems symbolized the country’s commitment to ensuring that all citizens had access to the same level of social protection.

German Reunification and Social Security

The reunification of East and West Germany in 1990 posed unique challenges for social security. Integrating the social security systems of the two regions required careful planning and coordination. East Germany had its own distinct social security framework, developed during the years of the German Democratic Republic (GDR), which differed significantly from that of West Germany.

One of the most significant challenges was the merging of pension systems. East Germany’s pension system was based on a “pay-as-you-go” model, where current workers’ contributions funded the pensions of retirees. In contrast, West Germany had a more advanced and financially robust pension system.

Another area of focus during reunification was healthcare. East and West Germany had different healthcare systems with varying levels of coverage and infrastructure. The goal was to create a unified healthcare system that ensured equal access to medical services for all citizens.

Despite the complexities, the reunification of Germany’s social security systems symbolized the country’s commitment to ensuring that all citizens had access to the same level of social protection.

Contemporary Social Security in Germany

Today, Germany boasts a comprehensive social security system that encompasses various components, including healthcare, pensions, unemployment benefits, and family support. This system is built on the principles of solidarity and sustainability, ensuring that resources are fairly distributed and that future generations can benefit from the system.

Reforms and Challenges

In recent years, Germany has faced the challenge of an aging population, leading to discussions about the sustainability of its social security system. Policymakers are continually evaluating and reforming various aspects of social security to adapt to changing demographics and economic realities.

  • Pension Reforms. One of the primary areas of reform has been the pension system. As the population ages and the ratio of retirees to active workers increases, there is growing concern about the financial sustainability of the “pay-as-you-go” pension model. To address this, Germany has implemented reforms to gradually increase the retirement age, encouraging individuals to work longer before claiming their pensions. Additionally, adjustments to pension calculations have been made to align benefits more closely with lifetime earnings.
  • Long-Term Care Insurance. With an aging population, the demand for long-term care services has surged. To meet this challenge, Germany has introduced reforms to expand and enhance long-term care insurance. These reforms aim to provide better coverage and support for those in need of care while relieving some of the financial burden on families.
  • Labor Market Integration. Encouraging labor force participation, especially among older individuals and women, has been a focus of recent reforms. Politicians have introduced measures to promote flexible work arrangements, lifelong learning, and retraining to ensure that people can remain economically active for longer periods
  • Healthcare Sustainability. Healthcare costs have been on the rise due to advances in medical technology and the aging population. Reforms have aimed at improving the efficiency and cost-effectiveness of healthcare delivery while maintaining high-quality care. Initiatives such as cost containment measures and the promotion of preventive healthcare have been implemented.

In conclusion, the evolution of social security in Germany reflects the nation’s commitment to the well-being of its citizens. From its inception in the late 19th century to the present day, Germany’s social security system has grown and adapted to meet the needs of its people. As the country faces new challenges and opportunities, it remains dedicated to providing a strong safety system for all its citizens, ensuring that social security continues to play a vital role in its society.

Mandatory and Recommended Vaccinations in Germany

Posted on by MW Expat

Vaccinations in Germany

Vaccines are some of the most effective preventive measures to protect against infectious diseases. Although they are not compulsory in Germany (with one exception that you will find later in this article), all health authorities strongly recommend it.

The Standing Commission on Vaccination (STIKO) at the state-run Robert Koch Institute decides which vaccinations are recommended in Germany. The Federal Ministry of Health (Bundesministerium für Gesundheit) appoints the members of STIKO, who are primarily doctors from university hospitals. The current and up-to-date recommendations on vaccinations are always available on the website of the Robert Koch Institute, which is also available in English. 

getting vaccinated Vaccination

Is it compulsory to be vaccinated in Germany?

If you recently moved to Germany and are planning to start a family in the country, you should be informed about the vaccines that you and your children may need.

As we mentioned before, unlike other European countries, there is no compulsory vaccination in Germany. However, there is one exception to the rule: the measles vaccination. The Measles Protection Act, which came into force on March 1, 2020, is intended to provide school and kindergarten children with effective protection against measles. However, regardless of this, it is important to educate people about the importance of vaccination and to make vaccination easily accessible to all citizens.

Having said this, the Federal Ministry of Health and the Robert Koch Institute recommend the following vaccinations for all citizens living in the country:

Vaccine recommendations for children and adolescents in Germany

  • Diphtheria
  • Tetanus
  • Poliomyelitis (polio)
  • Haemophilus influenzae type B (Hib)
  • Pertussis (whooping cough)
  • Hepatitis B
  • Measles, mumps, rubella (MMR)
  • Chickenpox
  • Rotavirus, pneumococcal infection
  • Meningococcal C infection
  • HPV (human papillomavirus)

Booster vaccinations for adults in Germany

Booster against diphtheria and tetanus (recommended every ten years)

Booster against measles (people over the age of 18 who were born after 1970 and are unsure of their vaccination status, have not been vaccinated, or have received only one vaccine as a child).

Vaccine recommendations in Germany for people over the age of 60

  • Influenza
  • Pneumococcal infection
  • Herpes zoster (shingles)
  • Further vaccinations for unvaccinated adults after consultation with a doctor
Senior Citizen getting vaccinated
Vaccine Covid 19

The COVID-19 vaccine

The introduction of a mandatory vaccination program for the entire population in Germany was heavily debated, but it was unsuccessful in the German parliament’s Bundestag. When it comes to making COVID-19 vaccinations a requirement, Germans place a high value on self-determination and freedom of choice. According to a survey that was carried out, 63 % of Germans agree that vaccinations are a matter of personal autonomy that the state cannot interfere with, even during a pandemic. However, the majority of the German population is vaccinated against COVID-19: 78 % of people have received at least 1 dose and 76.4 % of Germans are fully vaccinated.

The vaccination record or Impfpass

The vaccination record, also known as the Impfpass, is a yellow booklet that is given to you after you are vaccinated for the first time in Germany. This booklet contains a record of all your vaccinations, making it easier for you to keep track of all your vaccines.

In addition to the vaccination record, you can get a second record book for your children (also known as a Kinder-Untersuchungsheft) for pediatric medical examinations. All of your child’s medical check-ups and assessments will be recorded in this booklet up until the age of six. You receive this booklet shortly after delivery.

Vaccination Card Impfpass Record
Medical Bill Health Insurance

Who covers the cost of vaccines?

The statutory health insurance funds in Germany (GKV) spend about 1.4 billion euros annually on vaccinations (as of 2017, according to the Federal Ministry of Health). Therefore, people who have statutory health insurance are entitled to the vaccinations that are recommended in Germany at no additional cost.

If you’d like to find out more about your health insurance coverage and how you might be able to optimize it, our team of experts will be happy to advise you. Contact us here!

Vaccines are extremely efficient not only because they provide individual protection, but also because they lead to herd immunity, protecting a large part of the population against diseases.

We hope that you found this article useful and it helped you learn more about vaccination in Germany. We must never forget that countless deaths are prevented worldwide thanks to vaccines, so we should stay protected!

How to Insure Your Family in Germany

Posted on by MW Expat

As an expat coming to Germany, you should know that registering for health insurance is one of the most important things you need to take care of before moving to the country. Health insurance is compulsory for everyone living in Germany. Therefore, if you’re planning to bring your relatives with you, we would like to offer you all the information on how to insure your family in Germany.

How does family insurance work in Germany?

First of all, you should know that there are two main types of health insurance in Germany: public health insurance (or statutory health insurance) and private health insurance (usually known as PKV in German). No matter what kind of insurance you’re registered at, all family members must also be insured.

The German health care system includes certain regulations for family insurance in order to make sure that everyone is equally covered. There is a so-called family co-insurance, in which dependent family members, such as spouses and children, are eligible to enrol for free with the health insurance provider in which the main family member is already insured. This is due to the fact that it is common for family members to remain unemployed for a while after they move to Germany.

Who can benefit from free family co-insurance?

Expats’ partners who receive no income or an income that does not exceed 470 euros per month (as of 2022) are eligible for this aid. In addition, partners who earn 450 euros with a part-time job or find themselves under marginal employment can also be covered at no cost.

Children are normally insured free of charge until they reach the age of 18. However,  this age limit might be raised under certain conditions:

  • If they are unemployed, they can be insured up to 23 years old.
  • If they are still enrolled in school, vocational training or are doing voluntary programs, they can be insured up to 25 years old.
  • If their education was interrupted by military or civilian service, they can be insured over 25 years old.
  • Permanently disabled children do not have an age limit to be covered free of charge.

What are the steps to insure your family in Germany?

Regardless of your relatives’ situation, you will have to fill in and send a form to your health insurance provider to include them in your insurance coverage. In this form, you have to specify the members you want to include, their previous economic situation and their current incomes.

If the family members you are planning to bring to Germany will work in the country, you will have to pay additional costs to insure them. In order to calculate the premium you will pay as a family, your health insurance will evaluate your partner’s gross salary as an employee, including regular annual bonuses; their income as freelancers (if applicable) and their income from investments, rentals or similar, as well as those coming from retirement insurance.

However, this is something your health insurance provider will take care of. You don’t need to worry about anything!

What kinds of insurance should families have?

As a rule of thumb, you should insure everything that could put you in an existential risk as a family. There is a list of different insurances that are not compulsory in Germany, but highly recommended for families.

  • Liability insurance. If you cause damage to someone else, you will be liable for it. In the worst case, this could lead to financial problems. The price you pay for this insurance is usually around 40-60 euros a year, which is why most families opt for it.
  • Disability insurance. Occupational disability insurance covers you if you lose your income due to occupational disability.
  • Term life insurance. Term life insurance secures the family income if one parent dies.
  • Homeowners insurance. Homeowners insurance offers homeowners protection in the event of damage that could threaten their property or assets (e.g. storm, lightning, explosion, etc.). We only recommend this type of insurance if you own a house.
  • Objects insurance. Household objects insurance covers damage to the contents of your flat or house.

 

We hope that this article helped you understand how to insure your family in Germany. If you want to find out more information, do not hesitate to schedule a call with our insurance experts at MW Expat.