Germany is known for having one of the best healthcare systems in the world. Regarding employee and expat health insurance, Germany has a highly comprehensive health insurance system in place. If you are a German employee, it is mandatory for you to take out either statutory or private health insurance. The terms statutory and private refer to two distinct systems, and the insured must choose one of them without having the opportunity to freely switch between the two.
When it comes to expat insurance, Germany requires that all employees and expats take out health insurance. Moreover, if you live in Germany as an expat with your family, your children can also enjoy health insurance coverage.
This article will discuss health insurance for minors in Germany, outlining how you can take out health insurance coverage for your children as an expat in Germany.
Health Insurance in Germany
Expat health insurance in Germany is one of the most comprehensive insurance statutory insurance systems in the world. However, while living in Germany as an expat, you or your family may become victims to unforeseen and unavoidable health problems. For this reason, most German employees have statutory health insurance, under which they are free to choose the insurance provider that best suits their needs from a wide range of state-funded health insurance providers.
If you earn above a certain salary level while living as an expat in Germany, you can opt for private health insurance instead. When it comes to private health insurance, Germany has a compulsory insurance limit, which defines the limit for the salary, under which you cannot opt for private health insurance.
Health Insurance for Minors in Germany
If you live in Germany with your family, spouse, and children, you can also have their health insurance covered, especially under a statutory health insurance policy. If, for example, your spouse does not work, you can include them in your statutory health insurance. Notably, this will not incur any additional costs to you.
The very same applies to children and minors living in Germany. If you have young, school-going children living with you in Germany, children who are not yet old enough to have secure employment, you can also include them in your statutory health insurance. Again, this will not incur any additional costs to you.
Regarding state health insurance, Germany has a system in place whereby expat families, usually including registered life partners and their children, can be insured collectively via family health insurance. The only requirement is that one adult in the family is covered by statutory health insurance as an expat in Germany.
Benefits of Health Insurance in Germany
Germany’s healthcare system has a reputation of being one of the most comprehensive and well-organized health insurance systems in the whole world. Therefore, as a German expat or a German employee, you can receive many benefits by investing in health insurance coverage in Germany.
For one thing, if you fall ill or become injured in an accident, you are in good hands. The German state health insurance provider will cover the cost of all urgently required medical treatments. Moreover, as part of its state health insurance, Germany covers the following healthcare services for its employees and expats:
- Outpatient medical treatment
- Medication, medical aid, or health remedies
- Dental care
- In-patient medical treatment
- Rehabilitation measures; especially when dubbed as medically necessary
- Healthcare and benefits during pregnancy and childbirth
Notably, upon taking out health insurance in Germany, you are automatically also covered by what is known as long-term care insurance. Accordingly, long-term care insurance covers you if you can no longer look after yourself due to an illness or accident and require a carer to look after you.
Expat Health Insurance Solution Services
As a foreign national living in Germany, it can sometimes be difficult to decide which areas you need protection and health coverage in and where the risks lie. Moreover, if you are unfamiliar with the rules and regulations of health insurance in Germany, you will likely have trouble navigating through the maze of services.
For this reason, we at MW Expat Solution Services dedicate ourselves to helping you understand which health insurance coverage would be best for you. The last thing we want is for your carefully planned financial future to come to a complete end due to some unforeseen health issues. Therefore, we assist you with your financial independence and security by helping you choose the health insurance package designed for your specific needs.