International Health Insurance – Germany – List Of Health Insurance Providers In Germany

1. What is the average cost of international health insurance in Germany?


The average cost of international health insurance in Germany varies depending on factors such as age, location, and coverage level. On average, international health insurance can range from approximately 100 euros to over 300 euros per month per person. It is important to carefully research and compare different policies to find one that best fits individual needs and budget.

2. Are pre-existing conditions covered under international health insurance in Germany?


Yes, pre-existing conditions may be covered under international health insurance in Germany, depending on the specific policy and terms of coverage. Some policies may have exclusions for pre-existing conditions, while others may provide coverage with certain limits or waiting periods. It is important to review the policy carefully and discuss with the insurance provider to understand how pre-existing conditions are covered before purchasing a plan.

3. Do I need to be a resident of Germany to purchase international health insurance there?

No, you do not need to be a resident of Germany to purchase international health insurance there. Many international health insurance plans are available to non-residents or expats living in Germany. However, the specific requirements and eligibility may vary depending on the provider, so it is best to check with the insurance company directly.

4. How do I choose the right international health insurance provider in Germany?


Here are some factors to consider when choosing a international health insurance provider in Germany:

1. Coverage and Services: Look for a plan that offers comprehensive coverage for medical expenses, emergency medical care, hospitalization, and prescription drugs. Some plans may also offer additional services such as dental and vision care.

2. Reputation and Financial Stability: Research the reputation and financial stability of the insurance company before purchasing a plan. You can look up reviews online or ask for recommendations from friends or healthcare professionals.

3. Cost: Compare the premiums, deductibles, out-of-pocket expenses, and coverage limits of different plans to find one that fits your budget. Keep in mind that cheaper plans may not provide adequate coverage or have hidden costs.

4. Network Providers: Make sure the insurance company has a network of healthcare providers in Germany. This will ensure that you have access to quality healthcare services without having to pay out-of-pocket.

5. Customer Service: Consider the quality of customer service provided by the insurance company. You want to make sure they are responsive and helpful in addressing any questions or concerns you may have.

6. Flexibility and Portability: If you anticipate traveling frequently outside of Germany, look for an insurance plan that offers global coverage or has portability options so you can use it anywhere in the world.

7. Additional Benefits: Some insurance plans may offer additional benefits such as coverage for pre-existing conditions, maternity care, mental health services, or wellness programs. Consider these extra benefits if they are important to you.

8. Exclusions and Limitations: Read through the policy carefully to understand what is included and excluded from your coverage as well as any limitations on certain services or treatments.

9. Easy Claims Process: Look for an insurer with a simple claims process that allows you to submit claims online or through an app for added convenience.

Remember to thoroughly research your options before selecting an international health insurance provider in Germany to ensure you get the coverage and support you need while living abroad.

5. Are emergency medical evacuations covered under German international health insurance plans?


It depends on the specific insurance plan and its coverage. Some international health insurance plans may offer coverage for emergency medical evacuations, while others may not. It is important to carefully review and understand the details of your insurance plan to determine what is covered in case of an emergency medical evacuation.

6. Is mental health treatment covered under international health insurance in Germany?


It depends on the specific international health insurance policy you have. Some international health insurance plans may cover mental health treatment in Germany, while others may not. It is important to carefully review your policy’s coverage and terms before seeking mental health treatment in Germany. You may also need to check with the healthcare provider or facility you plan to visit to confirm that they accept your insurance for mental health treatment.

7. Are prescription drugs covered under international health insurance in Germany?


Yes, prescription drugs are generally covered under international health insurance in Germany. However, the coverage may vary depending on the specific policy and provider. It is important to check with your insurance provider to understand the details of your coverage for prescription drugs. Some policies may have limitations or exclusions for certain medications or require prior authorization before coverage is approved.

8. Can my dependents be included on my international health insurance policy in Germany?

Yes, most international health insurance policies allow for dependents to be included on the policy. However, each insurance provider may have different rules and regulations regarding dependent coverage, so it’s important to check with your specific insurer for details on eligibility and coverage options. In general, spouses and children may be eligible for inclusion on an international health insurance policy, but other extended family members such as parents or siblings may not be covered.

9. Is dental coverage included in international health insurance plans in Germany?


It depends on the specific international health insurance plan and provider. Some plans may include basic dental coverage, while others may offer it as an optional add-on for an additional cost. It is important to carefully review the details of the plan before enrolling to determine if dental coverage is included or not.

10. Will my German international health insurance cover me while traveling outside of Europe?

It depends on the specific terms and coverage of your insurance policy. Some German international health insurance plans may provide worldwide coverage, while others may only cover certain regions or countries outside of Europe. It’s important to review your policy carefully or contact your insurance provider for more information about coverage while traveling outside of Europe.

11. What is the process for filing a claim with an international health insurance provider in Germany?


1. Contact your insurance provider: The first step is to contact your international health insurance provider and inform them about your medical situation. You can find their contact details on your insurance card or policy documents.

2. Fill out the necessary forms: Your insurance provider will provide you with claim forms that need to be filled out and submitted to start the claims process. Make sure to fill them accurately and provide all the required information.

3. Gather supporting documents: In order for your claim to be processed, you may be required to provide additional documents such as medical reports, prescriptions, receipts, and invoices. Make sure to gather all the necessary documents before submitting your claim.

4. Submit your claim: You can submit your claim either online or by mail, depending on the options provided by your insurance provider. If submitting by mail, make sure to keep a copy of all documents for your records.

5. Wait for processing: Once you have submitted your claim, it will go through a thorough review process by the insurance company. Typically, this can take anywhere from a few days to a few weeks.

6. Receive reimbursement: If your claim is approved, you will receive reimbursement for the eligible expenses as per your insurance plan’s coverage limits and deductibles. The payment will either be directly deposited into your bank account or sent via mail.

7. Appeal if needed: If your claim was denied, you have the option to appeal the decision by providing any additional information that could support eligibility for coverage.

8. Keep copies of all documents: It is important to keep copies of all submitted documents and correspondence with the insurance provider in case there are any issues or inquiries in the future.

9. Contact customer service for assistance: If you encounter any difficulties while filing a claim or have questions about the claims process, do not hesitate to contact customer service for assistance.

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If you need to file a claim for additional health services such as dental care or emergency medical evacuation, follow the same process outlined above. Make sure to inform your insurance provider beforehand and provide all necessary documents.

11. Renew your insurance policy: If you have an ongoing medical condition or require continuous medical treatment, make sure to renew your health insurance policy before it expires to ensure uninterrupted coverage.

12. Are maternity and childbirth expenses covered under international health insurance plans in Germany?


Yes, maternity and childbirth expenses are generally covered under international health insurance plans in Germany. However, the specific coverage and benefits will vary depending on the individual insurance plan. It is important to review the policy details and contact your insurer for more information specific to your plan.

13. Can I switch between different international health insurance providers while living in Germany?

Yes, you can switch between different international health insurance providers while living in Germany. However, it is important to check with your current provider and your new provider to ensure a smooth transition of coverage.

Before making a switch, it is important to compare the benefits, costs, and coverage limitations of each provider. You should also verify that your new international health insurance plan will be accepted by healthcare providers in Germany.

It is recommended to inform both your current and new insurance provider of your plans to switch and make sure all necessary paperwork is completed. This may include canceling your current policy and obtaining an official confirmation from the new provider before terminating your old coverage. Be aware that there may be penalties or waiting periods associated with switching to a new plan.

Overall, it is important to carefully consider your options and choose a plan that best meets your needs while living in Germany.

14. Does my home country’s national healthcare system impact my eligibility for German international health coverage?

Your home country’s national healthcare system does not have any direct impact on your eligibility for German international health coverage. However, if your home country has a reciprocal social security agreement with Germany, you may be able to use your national health insurance coverage to waive the statutory health insurance requirement in Germany.

15. Is it required to have German language proficiency to access healthcare services with an international plan in Germany?


Yes, it is highly recommended to have at least a basic understanding of German language when accessing healthcare services with an international plan in Germany. While many doctors and medical staff may speak English, some may not be fluent and having knowledge of the local language can help with communication and ensure proper care. Additionally, some paperwork and forms may be in German, so being able to understand them can also be beneficial.

16. Can I purchase temporary or short-term coverage through a German-based insurer for travel purposes only?


Yes, it is possible to purchase short-term or temporary health insurance coverage through a German-based insurer for travel purposes. This type of coverage is often referred to as travel health insurance and can provide coverage for medical expenses, emergency medical evacuation, and repatriation of remains during your trip. It is important to carefully review the terms and conditions of the policy to ensure that it meets your needs and provides adequate coverage for your specific travel destination.

17. Do expats living and working in different regions of the country have access to the same level of coverage from their insurer?

Expats living and working in different regions of the country may have access to different levels of coverage from their insurer. This can vary depending on the specific insurance plan they have chosen and the terms outlined in their policy.

In some cases, insurance plans may have different coverage levels depending on the cost of living or healthcare services in a particular region. For example, an expat living in a major city may have more comprehensive coverage compared to someone living in a rural area.

It’s important for expats to carefully review and compare insurance plans to ensure they are choosing the best option for their needs, taking into consideration potential regional differences. It is also recommended for expats to consult with their insurer directly if they have any specific questions about coverage in certain regions.

18.Besides medical treatment, what other benefits are typically included with German international health insurance policies?


Some other benefits that may be included with German international health insurance policies are:

1. Emergency Medical Evacuation: This covers the costs associated with transporting you to a suitable medical facility in case of a medical emergency.

2. Repatriation of Remains: In the unfortunate event of your death while abroad, this benefit covers the costs of repatriating your remains back to your home country.

3. Travel Assistance Services: This includes services such as assistance with lost or stolen travel documents, translation services, and legal referrals in case of an emergency.

4. Maternity Care and Childbirth Expenses: Some policies may cover prenatal care, childbirth expenses, and postnatal care for expectant mothers.

5. Preventive Care Benefits: This may include routine check-ups, vaccinations, and screenings to help prevent illnesses.

6. Mental Health Care: Coverage for mental health services such as therapy or counseling sessions may also be included in some policies.

7. Rehabilitation Services: This covers the costs of rehabilitation treatments if needed after an injury or illness.

8. Dental and Vision Care: Depending on the policy, coverage for dental and vision care may be included as well.

9. Medical Tourism Allowance: Some policies may offer a medical tourism allowance or travel budget to cover expenses related to seeking medical treatment abroad.

10. Coverage for Pre-existing Conditions: Some policies may offer coverage for pre-existing conditions after a specified waiting period has passed.

19.What happens if I need long-term care services while living abroad and using a German-based insurer?


If you need long-term care services while living abroad and using a German-based insurer, you will need to contact your insurer to see if your policy covers international coverage for long-term care. If your policy does not cover international coverage, you may need to purchase supplemental insurance or pay out-of-pocket for the services.

If your policy does cover international coverage for long-term care, you will still have to comply with the rules and regulations of the country where you are receiving care. This may include submitting documentation and getting prior authorization from your insurer.

In some cases, your insurer may have partnerships or agreements with providers in other countries that can help facilitate the payment for services. It is important to check with your insurer beforehand to understand their policies and procedures for long-term care services while abroad.

20.Are there any tax implications for purchasing an international healthcare plan through a German insurer as a foreigner?.


It is always best to consult with a tax specialist to fully understand the potential tax implications of purchasing an international healthcare plan. However, as a general rule, any premium payments made towards a health insurance plan may be considered as part of a foreigner’s taxable income in Germany. Additionally, any benefits received from the health insurance may also be subject to taxation. It is important to note that tax laws and regulations may vary depending on the country of origin and destination, so it is best to seek professional advice for your specific situation.