Health insurance
For many people the German health insurance system is the first encounter with local bureaucracy. We explain the basics and look at the options you actually have.
Statutory, private or supplementary: we explain which rules apply to your situation and which questions to settle before switching.
Who this advice is for
This topic may be relevant to you in the following situations:
- People newly working or studying in Germany
- Employees considering supplementary cover
- Self-employed people clarifying their insurance status
What we clarify together
A suitable recommendation starts with the right questions. In a personal consultation, we look at:
- Which insurance status applies to your work or your studies?
- Which benefits matter to you personally – dental or hospital treatment, for example?
- What are the long-term consequences of a switch, including for family and later life?
How we approach the consultation
We proceed step by step so that you can understand the options and make an informed decision:
- Record the current situation and existing cover
- Explain the options and the framework in plain language
- Note open points and decide without pressure
What you should keep in mind
Before making a decision, it is important to consider the following points:
- Switching between systems is not always possible and should never happen under time pressure.
- Health details must be complete and accurate.
- Actual benefits follow exclusively from the respective contract terms.
Common questions
Can I be advised in Vietnamese?
Yes. With insurance terminology in particular it helps to ask questions in the language you are comfortable with.
What should I bring?
Your current insurance confirmation and, if you have them, documents on supplementary policies.