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Health Insurance in Germany: A Guide for South Africans In Germany, everyone must have health insurance. This means when you move to Germany, this is one the first things you need to sort our When you earn less than the Versicherungspflichtgrenze, you will most likely need to take out Public Health insurance. When you earn over that amount (€69.300 per year from 2024) you can choose between public health insurance (gesetzliche Krankenversicherung, GKV) and private health insurance (private Krankenversicherung, PKV). The right choice depends on your income, employment status, and personal circumstances. It is essential to thoroughly review and understand the details of your health insurance plan, whether public (GKV) or private (PKV), to ensure you know exactly what is covered. Each plan has its own set of benefits, exclusions, and limitations, which can vary widely depending on your provider and plan type. For example, while public insurance covers basic healthcare needs, it may not fully cover all dental treatments or certain specialized services, whereas private insurance may offer more comprehensive coverage but can come with higher premiums or additional out-of-pocket costs. Always verify the specifics of your plan, including coverage for services like dental care, specialist treatments, and hospital stays, to avoid unexpected expenses and ensure that you are fully protected. Public Health Insurance (GKV) Public health insurance is the most common option for residents in Germany. Your contributions are linked to your income. Affordable premiums Your contributions are based on your income (up to a certain limit), making it more affordable for those with lower incomes.While the system is fair, the more you earn, the more you pay (up to a maximum threshold). Comprehensive coverage Public health insurance typically covers most basic medical treatments, hospital visits, and prescription medications. Basic dental coverage is generally included. Family coverage If your spouse and children do not have their own income or are low earners, they can be included in your insurance at no additional cost. Network of doctors and hospitals Most doctors and medical facilities in Germany accept public health insurance, giving you broad access to healthcare. Longer waiting times Public health insurance may come with longer waiting times for non-urgent treatments. Limited choice of treatments Some treatments or services may not be covered, or you may have to pay extra for more luxurious treatments or private rooms in hospitals. Private Health Insurance (PKV) Private health insurance offers a more tailored approach to healthcare. Instead of contributions being based on income, private insurance premiums depend on your age, health, and the level of coverage you choose. Faster access to treatment In many cases, private insurance offers shorter waiting times for appointments and treatments. Enhanced coverage You can choose additional benefits, such as private hospital rooms, more specialists, or alternative treatments. Flexibility You can choose from a range of plans that suit your needs, allowing for a more personalized healthcare experience. Potential savings for younger, healthy individuals If you’re young and healthy, private insurance can sometimes be more affordable than public insurance. Higher premiums Private health insurance can be more expensive, especially as you age or if you have pre-existing health conditions. Family coverage costs extra Unlike public insurance, private insurance does not offer free family coverage for low-income earners, meaning you must pay additional premiums for each family member. Premiums can increase with age While the premiums are often lower when you’re younger, they tend to increase as you get older, which can make it expensive in the long run. Limited coverage if you leave If you decide to leave private insurance or return to public insurance, it can be difficult to re-enter, especially if you are over 55. Good to know 01 Switching from private to public insurance can be challenging while transitioning from public to private insurance is relatively straightforward. 02 Public insurance contributions are based on your salary, while private insurance premiums are determined by your risk profile, which includes factors like age and health. As you age, private insurance premiums tend to increase. 03 With private insurance, you usually pay upfront for medical expenses and then claim reimbursement. In contrast, with public insurance, your claims are automatically submitted and paid directly by the insurance provider. 04 Private health insurance is only available to certain groups, such as civil servants, self-employed individuals, students, and employees whose salary exceeds the annual income threshold (Beitragsbemessungsgrenze). In 2024, this threshold is €69.300 gross per year. 05 Many people with GKV choose to purchase supplementary dental insurance to cover the extra costs for things like higher-quality materials (e.g., ceramic crowns) or more extensive treatments like orthodontics. Resources on the web An article from “How to Germany” about the different health insurance options “Just Landed,” wrote an article about health insurance in Germany Top up medical cover You can top up your medical cover for example Dentist cover.You can read more about it on the How To Germany Site. There is also a good article (German) from Focus about Zusatzversicherung Tourist or Temporary Health Cover Tourist needs travel and medical insurance before they can apply for their visas.Some of the options are your medical aid or a company like TIC.Please be aware of the requirements from the Embassy, not all credit card cover is accepted.When you need cover for 6 to 12 months, you can look at Klemmer. Cover for freelancers At the time of writing, the following companies offer medical aid for freelancers in Germany. Except for publicists and people working in the arts, all freelancers and self-employed should be privately health insured. https://www.cigna.com/ https://www.hansemerkur.de/ Dr Walter / Provisit Cover for students and Au Pairs You will need medical insurance to cover the whole period that you are in Germany. Good options are Klemmer or Dr Walter Comparative websites The following websites offer a comparison of medical insurance. Please always read the fine print before signing up through comparative sites Krankenversicherung-vergleiche Check24 Medical insurance companies Krankenkassse has a list of private and public health insurance companies. PKV lists members of the Private Krankenversicherung (PKV) Advisors listed on this site If you are in need of assistance with

Visa application tips
Schengen Visa application tips We are not immigration agents, and your first point of contact should always be the German embassy or consulate in South Africa.Most of the information you need to apply for your visa at the Germany Embassy in South Africa can be found on their websiteHere is some additional information that could help when something is not clear. For individual queries, you can send an email to visacapetown@kaps.diplo.de or use their online form Friends or Family Visits We have a page dedicated to Friends and Family visit visas. Family reunification visas We have several pages dedicated to Family reunification visas. Birth and Marriage Certificates When submitting a birth or marriage certificate for a German visa application, you must provide an unabridged copy. Translations Unless specifically asked for, documents that are in English do not need to be translated. Apostil of documents When something needs to be apostilled, it will say so explicitly on the Embassy website as in the example below. If you click on the arrow it will take you to this page, which states that documents must be apostilled by DIRCO Medical insurance Short-term visas You need medical insurance for your whole trip. TIC in South Africa is accepted by the Embassy. You can also use the insurance offered by your Credit card but make sure it satisfies the minimum requirements from the Embassy. Travelsure from Old Mutual is also accepted by the German Embassy in South Africa July 2022 – Valid travel health insurance covering your requested stay with a minimum coverage of 30,000 euros, valid for all Schengen countries. Try the following companies for insurance for older people: TIC – leisure Senior Klemmer – They also offer student cover Allianz – Für Besucher aus dem Ausland und bis zu 93 Tagen Reisedauer – ohne Höchstalter Axa – Schengen Travel Insurance Dr Walter / Provisit ADAC Die Reisekranken- und Haftpflichtversicherung für Ihre Gäste aus dem Ausland Long-term visas Time-limited visas like study, Au-Pair etcYou will need medical insurance to cover the whole period that you are in Germany. Good options are Klemmer or Dr Walter Employee – Health insurance is mandatory, please bear in mind that this insurance can only begin when you take up residence in Germany and enter into employment. If you enter Germany beforehand, private health insurance must be taken out for the period before employment begins and before being eligible for health insurance. In its terms and conditions, travel health insurance can exclude protection if a long-term or permanent stay is planned.So-called incoming travel insurance can also contain such exclusions, so make sure you know what your insurance covers.TIC offers emigration cover but only for up to 32 days. Other options are Dr Walter / Provisit Family reunification – you also need cover when you come to Germany on a family reunification visa. The same options as above apply. Rejected Visas Important Information Regarding Visa Rejections After July 1, 2025 As of July 1, 2025, the Embassy will no longer process remonstrations following a visa rejection. If your visa application is rejected, you may pursue legal action by filing a complaint with the Administrative Court of Berlin (Germany). This must be done in German and will involve court fees. To minimise the risk of rejection, ensure that all required documents are submitted in full at the time of application. If the visa office requests additional documents, these must be provided promptly. You may submit a new visa application at any time, even after a previous rejection. Related content

Sozialversicherung / Social Insurance
The following Social Insurances are payable in Germany when you are a full-time employee or trainee: Krankenvesicherung / Medical Insurance Plegeversicherung / Long Term care insurance. Nursing or home care Rentenversicherung / Pension insurance Unfallversicherung / Accident insurance – Should you become ill due to your profession you will be supported by the statutory accident insurance scheme. This will, for example, continue to pay your wages.It also assumes the cost for a further training course (retraining) should you no longer be able to work in your original profession.And it also pays pensions to widows and orphans.The contributions to this insurance will be paid by the company for which you work. Arbeitslosenversicherung / Unemployment insurance – If you have a position with a company that is subject to social insurance contributions you are automatically insured against unemployment. Should you become unemployed you will receive support from your employment agencies and job centres. The Arbeitsagentur will help you look for work. They also offer you financial support to cover your living costs should you fulfil the conditions for this.You can find more information concerning Unemployment Benefit and Supplementary Unemployment Benefit II (Arbeitslosengeld und Arbeitslosengeld II here – available only in German). You can download a very informative e-book from the Deutsche Rentenvesicherung. This is available in German only. Additional Information You should receive a Sozialversicherungsausweis / Social Security card. – Your social security number will be on this card. – As an employee, you need a social security card. With this, you can prove to your employer, among other things, that you are a member of the statutory social security system. You receive your number the first time you start employment and register for social insurance.Karrierebibel explains, “If the employer knows that the new employee is taking on a job for the first time, they register them with the health insurance company or the mini job centre. You will then apply for your social security card from the German Pension Insurance. The Deutsche Rentenversicherung will send you the ID.”You can also read more from the AOK You will get a yearly Meldebescheinigung zur Sozialversicherung / Social Security certificate from your employer. This certificate contains your gross salary for the previous year that is subject to contributions. The information is relevant for calculating your pension, and you should keep your copies until at least your retirement date. How to apply for your Social Security number Your Social Security number is used as identification for health insurance (public), pension, long-term care, and unemployment insurance. You can get this number in different ways, depending on your situation. Public Health Insurance – You receive your number automatically when you first sign-up for public health insurance in Germany. If you are on private health insurance, you need to request it manually at your local Rentenversicherung office. Employer – your employer might offer to apply for a social security number for you through their payroll system The German Pension Office – You can personally contact the Deutsche Rentenversicherung, either online or by visiting their offices Your Insurance Broker – As your broker for assistance You need to supply your employer with this number. Your social security card (Sozialversicherungsausweis) is a very important document which you must keep safe. You will also need it when applying for social benefits e.g unemployment benefits Format Your Sozialversicherungsnummer has the following format: 12 123456 A 123. The first 2 digits are the area number of the office that registered you The next 6 numbers are your birthdate The Letter is the first letter of your surname The last 3 numbers are used to differentiate you from people with the same name and birthdate Detailed information on the GRV Website(in German) References and info on the web Make it in Germany Arbeitsagentur Related content
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