Health insurance in Germany

Health insurance in Germany

Health insurance in Germany for Ukrainians 2024 is mandatory for all residents of the country, whether they are German citizens or foreigners living here for a long time. A proper understanding of the health insurance system and the legal aspects associated with it will help you avoid unexpected problems and provide the necessary health protection.

Legal stages of health insurance in Germany

In Germany, health insurance is divided into two types: state (gesetzliche Krankenversicherung, GKV) and private (private Krankenversicherung, PKV). The process of applying for insurance depends on your status in Germany (e.g. employed, student, retired, etc.) and your income level.

• Legal advice on health insurance in Germany.
• Choosing the type of insurance: People with an annual income above a certain threshold (in 2024, this threshold is 66,600 euros) can choose between public and private insurance. Everyone else is required to take out insurance with one of the public insurance companies. A health insurance lawyer in Germany can help with the application process.
• Applying for insurance: To apply for insurance, you must submit an application to the insurance company. When applying to a public insurance company, the process is usually quicker and easier. For private insurance, additional information about health status and income may be required.
• Contract conclusion: After submitting an application and providing all necessary documents, the insurance comes into effect. At this stage, health insurance lawyers in Germany carefully study all the terms of the contract in order to avoid possible misunderstandings in the future.

Under what conditions health insurance can be provided

The process of health insurance in Germany can be provided if

• Legal residence in Germany: To obtain health insurance, you must have a legal right of residence in Germany.
• Official employment or training: Persons officially employed or studying in Germany are entitled to receive statutory health insurance.
• Residence registration: All residents must register their residence in Germany in order to have access to health insurance.
• No significant illnesses (for private insurance): Private insurance companies may refuse to insure or charge high prices for insurance for people with serious chronic illnesses.

Under what conditions health insurance cannot be provided

Legal assistance for health insurance in Germany cannot be provided if

• Illegal stay: People who are in Germany illegally or without a visa cannot obtain health insurance.
• No registration at the place of residence: No registration makes it impossible to obtain state insurance.
• Refusal by a private insurance company: Private companies have the right to refuse insurance based on the risk associated with your health condition. For example, serious illnesses may result in a denial or a significant increase in the cost of your insurance policy.

How to figure it out yourself

You can figure out the German health insurance system by following a few simple steps:

• Learning about the laws: Familiarize yourself with the main laws governing health insurance in Germany, such as the "Sozialgesetzbuch V" (SGB V) for statutory insurance and the "Versicherungsvertragsgesetz" (VVG) for private insurance. Find out the list of documents for health insurance in Germany.
• Consult with an insurance broker: Specialists will help you choose the best insurance option based on your status and health condition.
• Compare insurance companies: Use online platforms to compare the terms and prices of different insurance companies. This will help you choose the best option.
• Seek legal assistance: In difficult situations, such as refusal of an insurance insurance company or problems with payments, it is recommended to contact a lawyer specializing in health insurance.

Frequently asked questions

• What documents are required for health insurance in Germany? The following documents are required for health insurance in Germany: A passport or identity card to prove the applicant's identity. Proof of residence registration (Anmeldung), confirming the address in Germany. Income documents, such as an employment contract or tax documents, to determine the level of insurance premiums. A health certificate may be required in some cases, such as when taking out private insurance. You must also fill out an insurance application with the chosen insurance company.
• How to find a health insurance lawyer in Germany? To find a health insurance lawyer in Germany, start by searching online using keywords such as "health insurance lawyer" and the name of the city. You can also look at specialized websites and lawyer databases. It is a good idea to check whether the lawyer offers a free consultation to better understand your situation. Finally, contact your health insurer for recommendations of lawyers familiar with their policies and processes.
• How much does health insurance legal advice cost in Germany? The cost of health insurance legal advice in Germany depends on several factors, including the complexity of the case and the experience of the lawyer. Some lawyers may offer a flat rate for the first consultation. For more complex cases, the cost may increase significantly. It is also worth considering that some law firms offer free initial consultations.
• How much does health insurance cost in Germany? The cost of health insurance in Germany depends on the type of insurance: public or private. Contributions to state health insurance are usually around 14.6% of monthly salary, with an additional contribution of 0.9% to 1.5% depending on the insurance company. Private health insurance can vary significantly, depending on age, health status and coverage. Students and low-income individuals may receive discounts or subsidies on state insurance. Most working citizens are required to have state insurance if their annual income does not exceed a certain threshold.

What determines the cost of legal services

Health insurance in Germany Ukraine will help you confidently navigate in choosing the right insurance and protecting your rights. Health insurance in Germany the cost of a lawyer specializing in health insurance depends on several factors:

• Complexity of the case: The more complex and complicated the case, the higher the cost of services.
• Qualification of the lawyer: Experienced lawyers with many years of experience can set higher rates.
• Need for representation in court: If the case requires representation in court, the cost of services will increase significantly.
• Additional costs: Translation of documents, collection of evidence and other costs related to the case can also affect the final cost.