| Public | Private |
|---|---|
| Cost determined by salary. | Covers wider services, like dental. |
| Fees paid via monthly wage. | Fees determined by personal requirements. |
Germany
International Health Insurance in Germany
Rich in culture and with a world-leading business economy, get the best out of living in Germany with international health insurance protection from Cigna.
You’ll be able to explore extraordinary cities and natural landscapes, sample the famous food and immerse yourself in a vibrant festival culture.
From Berlin to Dusseldorf, Frankfurt to Nuremberg, there’s so much to see and do.
Find out more about the country’s healthcare system and how international health insurance works with Cigna.
How does Germany’s healthcare system work?
Germany’s healthcare system is split up into public and private care.
Contributions to public healthcare are taken from your monthly salary. Often, this is a set figure, with your employer covering half of the total price due.
EU nationals can typically access some healthcare with their European Health Insurance Card. If you’re a non-EU resident, you may have to get health insurance as a pre-requisite for moving to Germany.
Pros and cons of using Germany’s public health system
Pros
- Equal coverage – Everyone gets the same level of healthcare, no matter your salary or monthly contribution.
- Add dependants – You can add children and non-working dependents to your own plan at no extra cost.
- Age – The cost of public health insurance does not increase with age.
Cons
- Freelancers pay salary contributions in full – Up to 14.6% to 15.6% of your monthly gross takings.
- Extra costs – You might pay for prescription glasses or contacts, as well as occasional doctor visits and prescription medicine.
- Waiting times – Doctor’s appointments can take days to a couple of weeks in some areas.
What’s the difference between public and private healthcare in Germany?
How can international health insurance help you in Germany?
Private international health insurance can help support your move to Germany. With most medical insurance, you’ll benefit from flexible plans to suit your needs with 24/7 access to multilingual service centres. Within Germany’s public healthcare system, you are not always guaranteed the quickest treatment plan.
If you are self-employed or a freelancer, you might find private insurance is more efficient, as you are required to cover the full cost of public access yourself. On a private plan, you can choose what cover suits you best, which may end up cheaper in the long run.
Choosing your international health insurance
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Cigna Global Health Options Plans
Overview
The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: $1,000,000
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Newborn care cover
Overview
Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: $2,000,000
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Inpatient Maternity
Overview
Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: Paid in full
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Inpatient Maternity
- Mental and Behavioural Health care paid in full
Cigna Close Care℠ Plan
Overview
An essential health plan created for those who need coverage only in their country of residence, and their country of nationality.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: $500,000
- Condition limit: $250,000
- Inpatient and daypatient treatment
- Semi-private room
- Full cancer care
Why choose Cigna for health insurance in Germany?
With Cigna, creating a flexible international health insurance plan that covers you and your family wherever you go is easy.
- Call on world-leading medical professionals and services with coverage in over 192 countries.
- Find a plan to fit your needs.
- Quick access to Cigna’s leading Customer Care Team.
- Years of experience in delivering international health care.
FAQs
International health insurance should suit you and your family. You might want to cover:
• Hospital treatments and stays
• Consultation fees
• Doctor’s visits
• Dental services
• Prescription medication and glasses.
It’s compulsory for German nationals and temporary residents to have some form of health insurance.
Any residents planning to stay in Germany for a year or more should arrange for public healthcare or get private insurance. Once insured, you’ll receive a European Health Insurance Card. You’ll need this to visit a medical professional for treatment.
Depending on your personal circumstances, we may add special exclusions to plans containing pre-existing conditions. Pre-existing conditions are ones you have experienced or sought advice for prior to taking out insurance with us.
Many of our standard plans include emergency dental cover or dental accidents that lead to a hospital visit. However, regular dental cover, such as annual check-ups are not covered as standard.
You can choose to add such cover to your policy if you choose by doing so when you sign up, or by contacting our Customer Care Team.