As an alternative to the state supported healthcare system expats in Germany have the option of signing up to a private health care plan. The prerequisite is a salary over 47,700 Euros. Those working in Germany on an independent basis (i.e. self employed) would also be eligible.
Employees would have to demonstrate that they had earned more than the threshold amount for 3 years. Otherwise they will automatically be enrolled in the government scheme (gesetzliche Krankenversicherung of GKV). It is always prudent to address this with employers as soon as possible since when staff are registered for the state insurance there is no option to change for three years. This draconian seeming measure is a result of recent reforms and is designed to compel higher earners to stick with the state system. The private option is attractive for expats because although standards are high with the standard program it is reassuring to have access to medical staff whose competency in their patients mother tongue can be guaranteed.
German hospitals depend increasingly on their private practice for funding and so receive new patients with open arms. The
private Krankenversicherung PKV) market is covered by around 50 firms and there is a good palette of products available to meet most requirements. As might be expected cost is determined by such variables as the patient’s medical history, age and gender.
Its is important to bear in mind that while the GKV covers family and non working dependents the PKV only covers the paying customer. On the plus side private providers are not allowed to cancel policies on the basis of claims made. They are legally required, furthermore, to set aside 10% of contributions against health care provision to be rendered in retirement.
Self employed German residents who are covered by the policy of an international (i.e. non German) provider should check the small print and make sure it is acceptable in Germany. Even if the existing policy is applicable, long term Pflegeversicherung (nursing care) must be acquired as well.
private Krankenversicherung (PKV) regulations stipulate that all self employed persons must now purchase private health insurance (even if they had no cover previously). The German providers are legally obliged to accept applicants regardless of their health situation. Finally, the cost will be capped by 1st January 2009. This government of the Federal Republic has introduced these measures to ensure that ultimately all residents have cover.
