Expat health insurance in Germany consists of short-term and long-term plans designed for temporary residents. Short-term plans are affordable, cover accidents, emergencies, and new illnesses, and last up to five years. Long-term plans can be used indefinitely and offer additional benefits such as preventative care and psychotherapy. Both plans generally exclude coverage for pre-existing conditions and comprehensive preventative care. Public or full private health insurance is recommended for full coverage if eligible.
What is short-term expat health insurance in Germany?
Short-term expat health insurance is an affordable option starting at 72 euros per month and can be used for up to five years from the date of entering Germany. This plan covers accidents, emergencies, and new illnesses but excludes treatment for pre-existing conditions and most preventative care. It is sometimes called "incoming insurance" and is intended primarily for temporary stays.
What is long-term expat health insurance in Germany?
Long-term expat health insurance can be used indefinitely and is recommended for individuals who no longer qualify for the short-term plan, such as those whose five-year limit has passed or those not yet eligible for public or full private health insurance. The long-term plan covers accidents, emergencies, new illnesses, and some additional care including preventative healthcare, holistic treatments, and psychotherapy. Like the short-term plan, it excludes most treatment for pre-existing conditions.
What coverage limitations apply to expat health insurance plans?
Expat health insurance plans generally do not cover treatment for pre-existing medical conditions or comprehensive preventative care, though some preventative care exceptions apply to the long-term plan. These limitations make expat health insurance a more affordable but less complete option compared to public or private health insurance.
When should I choose expat health insurance?
Expat health insurance is recommended as a temporary option for recent arrivals or those ineligible for public or private health insurance. Once eligible, enrolling in public or private health insurance is advised to ensure full medical coverage.
Are short-term and long-term expat health insurance plans referred to by other names?
Both short-term and long-term expat health insurance plans are sometimes called "incoming insurance" in Germany.