Health Insurance For Self Employed In Germany

Insurance for self employed
Insurance for self employed

Health Insurance for Self Employed and Those not Working

Being uninsured is now illegal, this means health insurance for self employed and those not working, is required. German private health insurance 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 dependent child. Welfare support eligibility entitles you to a 50% discount, though.

Guidance to health insurance for self employed persons

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.

german health Insurance


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