The law states that all workers, whether permanent or temporary, should hold a private or state health insurance policy. Be careful when choosing an international health insurance company as they may not fulfill the requirements of German law. If you are foreign and looking for freelance health insurance in Germany you need to enroll in the state health insurance scheme or ensure your international insurance policy is valid in this country. This article explains the different requirements of the health insurance law and will help you ask the right questions. If you choose a private health insurance or international health insurance company, you need to ensure it offers the same protection as the statutory insurance. Click here to find out more about specialist freelance health insurance in Germany and how to make sure it is valid.
Health insurance options for freelancers
As of 2009, health insurance is mandatory for anyone living and working in Germany – either permanently or temporarily. This means that whether you are a EU citizen or have a work visa, you need to have some form of health insurance.
As a freelancer in Germany you have the option to enroll in German private health insurance, state health insurance or to choose a plan from an international health insurance company. But when searching for health insurance for freelancer, bare in mind not every international health insurance company fulfills the requirements of German law.
The law states that foreign nationals who are not covered by state health insurance must provide evidence of health insurance from a non-state health insurer. This health insurance coverage must meet the following requirements:
a) The health insurance coverage is similar to that of the statutory health insurance scheme, i.e. that it specifically does not contain any large-scale exclusions of benefits, require high excess payments from the insured person, limit the costs reimbursed in any way in the event of illness, or contain any expiration or indemnity clauses with respect to the insured`s age, lifestyle or changes in the purpose of residency. In addition, the insurance policy must run indefinitely or be extended automatically as a form of life insurance.
b) The Federal Supervisory Authority for Financial Services (Bundesanstalt f眉r Finanzdienstleistungsaufsicht) in Bonn has confirmed that the agreement entered into with the insurance company fulfils the statutory requirements on health insurance in accordance with Section 257(2) (a) of Book V of the German Social Security Statute(SGBV)
Is the health insurance policy valid in Germany?
You need to contact the insurance company which you intend to sign up with for their license number from The Federal Supervisory Authority for Financial Services in Germany. Alternatively, simply ask the health insurance company to verify the above listed legal requirements are fulfilled.
If the international insurance company is not able to provide this confirmation, it is most likely they do not fulfill the German legal requirements. It is recommended that you don’t choose a company which isn’t in line with the national law. Specialist freelance health insurance in Germany should always fulfill the legal requirements.