What the Self-Employed and Those Not Working Should Know
Being uninsured is now illegal. German private health providers are required by law to accept all applicants, whatever their pre-existing health conditions, and to apply a basic tariff (Basistarif) as of January 1, 2009. This can be a last resort for those who have serious medical conditions and are unable to register for statutory health insurance in Germany. The cost is capped by the government, but the monthly premium is €639 per month, per adult, and €250 per dependant child. Welfare support eligibility entitles you to a 50% discount, though.
If you’re in good health, there are more appropriate German health insurance plans for non-residents. There are qualified insurance brokers who can offer guidance.
Self-employed people covered by international insurers before April 1 2007 need to check that their cover is suitable. They must usually prove that the cover is still applicable, and provide appropriate certification to the German authorities, in the German language.
Even if you decide to keep the international insurance policy, you must still contribute to the nursing care scheme, and you may have some trouble finding additional sick pay insurance if you are a self-employed foreigner.