Enrolling in the Public Healthcare System in Germany

If you're planning to enroll in the public healthcare system in Germany, this article covers the requirements for foreigners to be able enroll in the public healthcare system, the steps involved and more.

Germany is renowned for its robust healthcare system, known as Gesetzliche Krankenversicherung (GKV) or Statutory Health Insurance (SHI). This public healthcare system is highly regarded for its quality and accessibility. It is mandatory for all residents, including foreigners living and working in Germany. The majority of the population, approximately 85%, are enrolled in the public healthcare system, while the rest opt for private insurance.

Overview of the Public Healthcare System in Germany

The German public healthcare system is funded by contributions from employees and employers, with the cost typically split evenly. The contribution is approximately 14.6% of the gross income, with an additional average rate of 1.1% that varies between different health insurance funds. The system covers a wide range of healthcare services, including doctor visits, hospital care, dental care, prescription drugs, maternity care, and rehabilitation.

One of the key features of the German healthcare system is the freedom to choose your healthcare providers. You can select your general practitioner, specialists, and hospitals. The quality of care is generally high, with a good ratio of doctors to patients and short waiting times for treatments.

Enrollment in the Public Healthcare System for Foreigners

Foreigners are eligible to enroll in the German public healthcare system if they are residents and are employed in Germany. Self-employed individuals and students can also enroll, but different conditions may apply. If you are an EU citizen, you may be covered by your home country's health insurance. However, it's important to check this before you move.

Steps for Enrolling in the Public Healthcare System

1. Obtain a social security number: This is usually done through your employer when you start a job. If you are self-employed or a student, you can apply at the local social security office.
2. Choose a health insurance fund: There are over 100 public health insurance funds to choose from. They all provide the same basic coverage, but there may be differences in additional services and contribution rates.
3. Register with the health insurance fund: You can do this online, by phone, or in person. You will need to provide your social security number, proof of employment (or student status), and personal details.
4. Receive your health insurance card: Once you are registered, you will receive a health insurance card. This card should be presented whenever you visit a doctor or hospital.

It's important to note that health insurance coverage is retroactive to your first day of employment or residency in Germany. Therefore, it's crucial to register as soon as possible to avoid any gaps in coverage.

Private Health Insurance

While the public healthcare system in Germany is of high quality, some foreigners choose to take out private health insurance. This can offer additional benefits, such as single rooms in hospitals, shorter waiting times for specialists, and coverage for alternative treatments. However, private insurance can be more expensive and may not be necessary for everyone. It's recommended to carefully consider your healthcare needs and options before deciding on the best type of insurance for you.

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Expats interested in International Health Insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA.

Cigna Global Health

Expats interested in International Health Insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA.
Get Quote