After you’ve found somewhere to live in Germany, registered your address, opened your bank account, applied for a tax number and left your religion, the next thing you’ll have to contend with is the health insurance issue.
Having health insurance is compulsory in Germany. While I think this is a nice idea in theory, as someone who goes to the doctor maybe once a year, it can also feel like you’re sitzpinkelling your money away.
Still, you really have no choice on this one. Even if you decide to be a rebel, and don’t take out health insurance for a few years, Germany will eventually send the Gerichtsvollzieher (bailiffs) after you and you will owe the full amount of health insurance premiums since you moved here, plus 1% interest. And that probably is as scary as it sounds.
If you’re in full-time employment, your employer has to cover 50% of your health insurance. If, however, you’re a freelancer (like me), you have to take the whole hit yourself. Although there is a lot of information about German health insurance online, I decided to save time and just ask some people I knew who they were with. TK Insurance won the poll, so I looked up their website.
Here’s the general gist – your contribution is calculated as a percentage of your gross salary. Currently, this is 14.6 percent (general contribution rate) plus a TK-specific additional contribution rate of 0.8 percent. Yikes. There was also this rather confusing section on the application form…
What if I earn between €450 and €4,575 a month?
I decided to stop faffing about online and just call an actual person. When I’d hung up, I decided I probably would need health insurance after all, as the information had given me a minor coronary. Even if you don’t earn anywhere near €4,575 a month (which I don’t), they’ll assume that the absolute minimum amount you’re earning is €2,100 and calculate your contribution based on that figure – whether you’re actually earning that much or not. This would have made my monthly contribution €314.69 – and would have meant that I would be moving into a doctor’s surgery to try to get my money’s worth.
Fortunately, I’m a firm believer in ranting so that’s exactly what I proceeded to do when I got to the staff room the next day. As luck would have it, one of the other teachers had just sorted out his health insurance that morning, for the princely sum of €75 a month. This sounded more like it.
I went home and looked up Mawista. It really does exist and is an insurance company dedicated exclusively to covering foreigners living in Germany, for up to five years. Their “Employee Flexible” package costs just €75 a month and covers medical treatment, dental treatment, temporary stays outside Germany, and even massages (though probably not the kind with the happy ending). Essentially, it covers almost everything TK does, but at less than a quarter of the price. Sign me up.
I filled in the ridiculously simple online application form and was informed that my application was being sent for processing and I would have my documents shortly. This was at 11.38. I went and took my washing out of the washing machine and was just hanging it up when I glanced at my laptop. It was 11.43 and my documents had arrived. I was covered.
I haven’t needed to go to the doctor or dentist yet, but hey, I think I might just start going once a month anyway. I may as well try to get some use out of the €75 a month that I would otherwise be spending on wine and cake…
Useful information for foreigners living in Germany can be found here