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What is the Steuernummer in Germany? A Guide for Expats

Posted on February 19, 2025February 19, 2025 by Clara

Moving to a new country as an expat comes with a lot of paperwork, and one essential number you’ll encounter in Germany is the Steuernummer. Understanding what it is, why it’s important, and how to apply for one can make your tax obligations easier. In this article, we will guide you through everything you need to know about the Steuernummer in Germany.

What is a Steuernummer?

The Steuernummer (tax number) is a unique identifier assigned by the German tax office (Finanzamt) to individuals and businesses for tax purposes. It is used primarily for tax filing and communication with the tax authorities. Think of it as a reference number that the tax authorities use to track your tax filings, payments, and overall tax status. If you are self-employed, a freelancer, or running a business in Germany, this number will appear on all official tax documents and correspondence with the Finanzamt.

It is different from the Steueridentifikationsnummer (Steuer-ID), which is a lifelong tax identification number given to every resident in Germany automatically.

Does everyone have a Steuernummer in Germany?

No, not everyone in Germany has a Steuernummer.

Only individuals and businesses that need to file certain tax returns, such as freelancers, self-employed professionals, and business owners, receive a Steuernummer. Employees do not require one, as they use their Steuer-ID for income tax purposes.

Who needs a Steuernummer in Germany?

If you’re living in Germany and planning to work beyond regular employment, chances are you’ll need a Steuernummer.

Freelancers & self-employed individuals. If you plan to work as a freelancer (Freiberufler) or self-employed person, you must obtain a Steuernummer in Germany to issue invoices, declare your income and pay the necessary taxes.
Businesses and entrepeneurs. For expats interested in starting a business, whether as a sole proprietor (Einzelunternehmen), a limited liability company (GmbH), or any other business structure, obtaining a Steuernummer in Germany is mandatory. It’s required for tax filings, communication with the Finanzamt, and, in many cases, for VAT (Umsatzsteuer) registration if your business exceeds certain revenue thresholds. Even if you’re running a small side business, Germany takes taxation seriously, and having your Steuernummer in place helps ensure everything is done correctly from the start. Without it, you won’t be able to officially register your business for tax purposes or claim any relevant deductions.

Why is the Steuernummer Important?

The Steuernummer is necessary for various tax-related activities, including:

Filing tax returns. If you are required to submit an annual tax return in Germany, your Steuernummer must be included on all tax documents. It allows the Finanzamt to process your tax filings and determine any taxes owed or refunds due.
Registering as a freelancer or business owner. If you plan to work as a freelancer or set up a business, obtaining a Steuernummer is one of the first administrative steps you’ll need to take. Without it, you won’t be able to issue proper invoices, pay taxes, or legally operate your business in Germany.

Communicating with the Finanzamt regarding tax matters. The Steuernummer is used in all official correspondence with the tax office. As your unique tax identification number, it ensures sure all your tax-related documents and requests are properly tracked, whether you need to ask questions about your tax obligations, submit documents, or respond to tax assessments.

How to Apply for a Steuernummer

If you’re starting a business or working as a freelancer in Germany, you’ll need a Steuernummer. Here’s how to apply:

Complete the Fragebogen zur steuerlichen Erfassung. This is the Tax Registration Questionnaire, which you can fill out online via ELSTER, Germany’s electronic tax portal, or request a paper form from your local Finanzamt (tax office).
Submit the form to your local Finanzamt. Your tax office is determined by your place of residence or business. You can submit the completed form by mail or, in some cases, online.
Wait for processing. The processing time varies depending on the workload of the Finanzamt but typically takes between 2 to 6 weeks. Once approved, you will receive your Steuernummer by mail.

Can I check my Steuernummer online?

You generally cannot look up your Steuernummer in Germany online, as German tax offices do not provide public databases for tax numbers. However, here’s how you can find it:

Check official tax documents. Your Steuernummer is listed on previous tax returns, tax assessment notices (Steuerbescheid), and correspondence from the Finanzamt.
Log into ELSTER. If you are registered on ELSTER (Germany’s online tax portal), you may find your Steuernummer in your profile or past filings.
Contact your Finanzamt . If you cannot find it, you can call or email your local Finanzamt and request it. You may need to provide personal identification details.

If you’re newly self-employed or have moved to a different state (Bundesland), you might need to apply for a new Steuernummer through the Fragebogen zur steuerlichen Erfassung on ELSTER.

In conclusion, understanding the Steuernummer in Germany is essential for freelancers, self-employed individuals, and businesses to manage their taxes effectively. While not everyone needs one, those who do must apply through the Finanzamt and use it for tax filings and official correspondence. If you’re still not sure about whether you need the Steuernummer or not, 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

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.

They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!

My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.

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!

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!

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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8 Common Insurance Mistakes in Germany: A Guide for Expats

Posted on January 15, 2025January 16, 2025 by Clara

When moving to Germany, expats often face the challenge of navigating a completely different insurance landscape. Choosing the right health insurance is crucial, but with Germany’s dual public and private systems, it’s easy to feel overwhelmed. Without proper guidance, many expats make costly mistakes. In this guide, we will highlight 8 common insurance mistakes in Germany that expats often make when choosing health insurance, and provide useful advice to help you avoid them.

1. Understanding the Difference Between Public (GKV) and Private (PKV) Insurance

One of the most common insurance mistakes in Germany is confusing your options or not understanding which type of health insurance is best for your needs. Public insurance is mandatory for employees earning under a specific income threshold, while private insurance is available to higher earners and self-employed individuals. Expats working for German employers are typically enrolled in GKV. Freelancers, students, and those above the income cap have the option of PKV. Understanding your eligibility is key to making the right choice.

Tips to Avoid Mistakes

Learn the basic differences between GKV and PKV. Public insurance (GKV) is income-based, while private insurance (PVC) offers personalized plans for those eligible.
Determine your eligibility. Understand your employment and residency status. For example, GKV is mandatory for most employees under a certain income, while freelancers and those above the income threshold have the option to choose PKV.
Consult insurance experts or advisors to save you from costly mistakes and ensure you understand which option is best for your residency and employment status. You can arrange a free consultation with us here.

2. Choosing Between Public and Private Insurance

A frequent common insurance mistake in Germany is opting for public insurance solely because it appears easier or more straightforward at first glance. While public insurance offers predictable, income-based premiums, private insurance provides tailored plans, faster access to specialists, and broader coverage options that can better suit individual needs and preferences. Taking the time to assess your long-term goals, healthcare requirements, and potential life changes, such as family planning or income growth, can help ensure you make the best decision for your circumstances

Tips to Avoid Mistakes

Understand coverage. Research the different coverage options available with public (GKV) and private (PKV) insurance to see which aligns better with your healthcare needs and financial situation.
Compare benefits. Look at the additional benefits offered by private insurance, such as faster access to specialists or private hospital rooms, and determine if these advantages are important to you in the long term
Plan for the future. Consider potential lifestyle changes, such as family planning or career shifts, and how they might affect your choice of insurance.

3. Overlooking Mandatory Health Insurance Requirements

A typical example of common insurance mistakes in Germany is overlooking the country’s mandatory health insurance requirements. This includes failing to register for health insurance promptly after arriving in Germany, assuming that short-term travel insurance is sufficient for long-term stays, and misunderstanding the penalties for non-compliance with German law.

Tips to Avoid Mistakes

1. Register for health insurance immediately after completing your residency registration (Anmeldung).

2. If you’re a long-term expat, opt for local insurance that complies with German regulations rather than relying on temporary travel coverage.

3. Stay informed about legal requirements to avoid back payments or fines.

4. Disregarding emergency and repatriation coverage

Another key example of common insurance mistakes in Germany when it comes to emergency and repatriation coverage is assuming that all health insurance policies automatically cover emergency evacuation or repatriation costs. Additionally, many expats overlook the importance of having international coverage for travel outside Germany, not realizing that their insurance may not cover medical emergencies abroad. It’s essential to carefully review your policy to ensure it includes these critical aspects, especially if you plan to travel or live outside the country for extended periods.

Tips to Avoid Mistakes

1. Ensure your policy includes emergency evacuation and repatriation coverage, especially if you frequently travel outside Germany.

2. Verify international coverage limits for medical emergencies abroad.

3. Check the fine print. Review your policy for any exclusions or limitations on emergency and repatriation coverage to avoid surprises when you need it most.

5. Misunderstanding Pre-Existing Condition Clauses

One of the most frequent common insurance mistakes in Germany pwhen applying for health insurance is failing to disclose pre-existing conditions, which can result in denied claims or coverage issues later on. Additionally, some expats assume that all insurers handle pre-existing conditions in the same way, not realizing that different policies and providers may have varying rules and exclusions regarding these conditions. It’s crucial to be upfront and transparent with insurers to avoid complications and ensure you get the coverage you need.

Tips to Avoid Mistakes

Be transparent about your health history to avoid claim denials later.
Compare insurance options to find one that offers the best coverage for pre-existing conditions.
Consider additional coverage. If your pre-existing condition isn’t fully covered, explore supplementary insurance options to ensure you have the protection you need.
Review policy terms carefully. Make sure to thoroughly read the terms and conditions related to pre-existing conditions to understand any waiting periods or exclusions that may apply.

Failing to Understand the Claims Process

Another notable example of common insurance mistakes in Germany that many expats make is failing to understand how the claims process works in Germany, especially when it comes to both public (GKV) and private (PKV) insurance. Each insurance provider has specific procedures for submitting claims, which can be quite different from what expats may be used to in their home countries. This can lead to delays, confusion or missed reimbursements if not managed properly.

Tips to Avoid Mistakes

Familiarize yourself with the claims process in Germany to avoid delays or misunderstandings, whether you have public or private insurance. You can check out our article for a detailed guide on how the insurance claims process works in Germany.
Keep track of all documents, invoices, and receipts related to medical treatments for smoother claim submissions.
Be proactive in contacting your insurer if you have questions or encounter issues with the claims process to ensure everything is processed on time.

7. Underestimating the cost of family coverage

Many expats overlook the potential cost of adding family members to their health insurance policy. While individual coverage might seem affordable, adding a spouse or children can significantly increase premiums, particularly with private insurance, but it brings specific benefits. It’s important to account for these costs when planning your budget.

Tips to avoid mistakes

Evaluate the cost of family coverage when selecting your insurance to avoid any surprises down the road.
Compare family plans between public and private insurance to find the most cost-effective option.
Consider family-specific benefits offered by private insurance, such as dental or vision care, that might justify the higher premium costs.

8. Overlooking the Importance of Dental and Vision Coverage

Common insurance mistakes in Germany that expats often make also include overlooking dental and vision coverage in their health insurance plan. While many public health insurance plans (GKV) provide basic dental coverage, they often do not cover more extensive treatments such as orthodontics or advanced dental procedures. Private insurance (PKV) may offer better coverage for these services, but expats might not realize the differences until they need such care.

Tips to Avoid Mistakes

Review your health insurance plan to ensure it covers essential dental and vision care.
Consider adding supplementary coverage for dental and vision if they’re not included in your primary plan, as these services can be quite expensive.
Plan for regular check-ups. Include dental and vision coverage in your insurance plan to ensure you can afford routine care and avoid higher costs for emergency treatments.

We know that securing health insurance as an expat can be challenging, but avoiding common insurance mistakes in Germany will save you time, money, and stress. By understanding the dual healthcare system, meeting legal requirements, and carefully choosing between public and private insurance, you can ensure that you and your family are well-protected. Don’t hesitate to seek professional advice to tailor your insurance plan to your unique circumstances. We highly advise you to reach out to an insurance expert when choosing insurance in Germany to ensure you’re properly covered. If 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

They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!

My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.

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!

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!

Insurance Claims Process in Germany: The Essential 5-Step Guide

Posted on November 1, 2024November 7, 2024 by Clara

Germany’s insurance system is designed to provide solid coverage options, and understanding the insurance claims process in Germany can save you time, effort, and money. Although these processes can feel overwhelming, once you grasp how different types of insurance claims work, the journey becomes much more manageable.

In this guide, we’ll walk you through everything you need to know, from filing health and auto insurance claims to identifying common reasons for claim denials and how to address them.

Types of Coverage

When it comes to filing insurance claims in Germany, understanding the types of coverage available and the insurance claims process in Germany is essential for expats. Each type of insurance carries specific requirements and procedures for filing claims, so knowing what’s expected can help you avoid delays and increase your chances of approval. Here’s a breakdown of the main insurance types expats in Germany might need:

Health insurance (Krankenversicherung). Mandatory for all residents, health insurance covers medical costs. For claim purposes, understanding whether you are on public or private health insurance is key.
Vehicle insurance. If you own a vehicle, car insurance is legally required.
Liability insurance (Haftpflichtversicherung). Highly recommended for all residents, this insurance covers damages you accidentally cause to others or their property.
Home and contents insurance (Hausratversicherung). This insurance protects against damage, theft, or loss of belongings within your home.
Term life insurance. Though optional, life insurance provides financial security for family members if the insured passes away.

When is it Necessary to File a Claim?

Knowing when to file a claim is essential for navigating the insurance claims process in Germany. You should consider filing a claim when you experience a loss that falls under your policy’s coverage, such as property damage, medical expenses from an accident, or theft. Additionally, if an incident significantly impacts your finances or well-being, it’s crucial to take action. Filing promptly ensures you meet any deadlines set by your insurer and helps facilitate a smoother claims process.

Types of Insurance Claims in Germany

Understanding the insurance claims process in Germany is essential to adapt to the country’s insurance system, particularly for expats. Each type of insurance —whether it’s health, car, liability, home, or life insurance— has its own specific claims process and requirements:

1. Health Insurance Claims

For health insurance, the insurance claims process in Germany differs based on whether you’re in the public or private system. In Germany’s private health insurance system, you typically pay upfront for services and submit bills to your insurer for reimbursement. In the public system, payments are usually settled directly between healthcare providers and insurance companies.

2. Vehicle Insurance Claims

If you’re involved in a car accident or your car is damaged, inform your auto insurance provider immediately to begin the insurance claims process in Germany. Prepare documents like an accident report, photos, and repair estimates. German law requires you to report accidents within a strict timeframe, and auto claims often follow a standardized process for efficient handling. Check out the official site of the largest automobile club in Europe, Allgemeiner Deutscher Automobil-Club e.V. (ADAC), to find reliable resources on auto insurance requirements and claims, including more detailed steps to follow after an accident in Germany.

3. Liability Insurance Claims

Liability insurance is often used when you accidentally cause damage to someone else’s property or cause them injury. Inform your insurance provider as soon as possible after the incident, providing photos or a detailed account of the event. This insurance is typically very straightforward and covers most types of accidental damage. Claims require proof of the incident, including any evidence like photographs or witness statements, to verify the event and determine compensation.

4. Home and Contents Insurance Claims for Expats

Home and contents insurance is essential for protecting your belongings within your home, covering damages from events like theft, fire, water damage or natural disasters. If you need to file a claim, promptly notify your insurance provider and gather necessary documentation, such as a police report in cases of theft or photos showing the extent of damage. Some claims may also require proof of ownership, like receipts or product warranties, to verify the value of lost or damaged items. Timely reporting and comprehensive documentation can streamline the claims process and improve your chances of swift approval.

5. Life Insurance Claims

Life insurance is an optional yet valuable policy that ensures financial protection for beneficiaries in the event of the policyholder’s death. Filing a life insurance claim and beginning the insurance claims process in Germany requires the beneficiary to notify the insurance company as soon as possible and submit essential documents, including the policy details, a certified death certificate (if applicable), and identity verification to confirm their relationship to the insured. Once submitted, the insurance company reviews the information and determines eligibility for payout according to the policy terms. This process can provide beneficiaries with critical support during a difficult time, but proper documentation and prompt communication with the insurer help ensure an efficient claims process

How to File a Claim in Germany: Step-by-Step Guide

Preparing to File an Insurance Claim in Germany

Before filing a claim, it’s crucial to prepare your documentation and understand your policy’s coverage limits as part of the insurance claims process in Germany. Thoroughly review your insurance contract and make sure you have access to all relevant documents, such as proof of identity and receipts for any covered items or services. Understanding what is covered and excluded in your policy can help you avoid surprises during the claims process.

Required Documents When Filing an Insurance Claim

When filing any insurance claim, you’ll typically need to prepare the following documentation as part of the insurance claims process in Germany:

Proof of identity (passport, residence permit).
Insurance policy documents that outline your coverage.
Receipts or invoices for any expenses.
Reports such as police reports for auto or liability claims, or medical reports for health claims.

Step 1: Informing the Insurer

As soon as an incident occurs, notify your insurance provider promptly. Many policies have strict timeframes within which you must report claims.

Step 2: Gathering Required Documents

Collect all necessary documents, such as police reports for auto accidents or medical bills for health insurance claims. Each type of insurance will require different documentation. Being thorough and meticulous at this stage is crucial for the insurance claims process in Germany.

Step 3: Completing the Claim Form

Fill out the insurance claim form accurately, detailing all relevant information about the incident, including dates, descriptions, and any other pertinent details.

Step 4: Submitting the Claim

Once the form and supporting documents are ready, submit them to your insurance provider via the preferred submission method, which could be online, by mail, or in person. Proper submission is vital for the insurance claims process in Germany to avoid any delays.

Step 5: Awaiting Decision and Processing

After submitting your claim, the insurance provider will assess the information. You’ll receive a response detailing the approval, payment, or denial of your claim.

What to Do if Your Insurance Claim is Denied

If you receive a denial letter, carefully review the stated reasons. If you believe the denial is in error, you can appeal by providing additional documents or information. Seeking legal assistance or consulting with a professional insurance advisor can be helpful, especially if language barriers pose a challenge. You can also check out the official website of Deutsche Rentenversicherung for further information on the insurance claims process in Germany.

By familiarizing yourself with the insurance claims process in Germany, the different types of coverage and the specific requirements for filing claims, you can ensure a smoother experience when dealing with insurance matters. Remember to stay informed about the necessary documentation and processes to make your claims experience as efficient as possible.

If you need personalized assistance with your insurance claim, you can arrange a free consultation with our experts 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 ready to assist you shortly!

What our clients say about our services

They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!

My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.

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!

Secure your future abroad with tailored insurance & pension plans

Get expert advice on the best solutions for expats – personalized to fit your unique needs. Start planning today!