How do legal persons who immigrate to Germany buy insurance to avoid sky-high medical expenses?

According to German law, since 2009, all Germans must participate in medical insurance. German public medical insurance covers 89% of the population, and commercial medical insurance covers 1 1%, mainly including the following three groups of people: First, employees of high-income companies. The second is government civil servants. The third type is freelancer. In addition, foreigners working in Germany also need to participate in medical insurance. If the income is below the standard line, you must participate in public medical insurance. If the income is higher than the standard line, you can choose commercial medical insurance.

Why is the legal person premium so expensive?

Because unlike employees who only pay half of their own premiums, legal persons voluntarily join public insurance and have to bear all the premiums. The average income of legal persons insured by public insurance in Germany is only 787 euros per month, but their premiums are charged according to the minimum standard of 22,365,438 euros +0.25 euros per month, that is, the monthly premiums should be at least 350 euros, plus nursing insurance. The premium is too expensive.

Various preferential conditions for disabled people or special reasons.

For legal persons with extremely low income, under special circumstances, premiums can be levied according to various preferential terms, provided that all the income assets of themselves and their partners are made public and they apply for one? Proof of the lowest income range, but the premium is still as high as 234 euros per month.

You can't fully enjoy public insurance services without paying premiums.

If a legal person defaults on public insurance premiums for more than 2 months, many public insurance services cannot be enjoyed. However, the services enjoyed by the accompanying family members will not be affected. Of course, the insured still has the right to receive medical examination and treat acute diseases. In addition, pregnancy examination is not affected, and patients with chronic diseases such as dialysis patients or insulin-dependent diabetes patients can continue to receive treatment.

What if the premium is in arrears?

Contact the medical insurance company as soon as possible, you can discuss installment payment or make up the arrears, and you can continue to fully enjoy the public insurance service.

How to get insurance cheaply?

If you work less than 30 hours a week, you can consider that your main business is not self-employed and you can apply to the medical insurance company for verification. After verification, the monthly premium will be reduced to 150 euros. If the partner is also a public insurance, as long as the monthly income is less than 425 euros, you can enter the family insurance for free.

Generally speaking, there is not much difference between the premium and service of public insurance, and it is still relatively expensive for legal persons to enter insurance, but it is good to have home insurance.

However, the private insured does not have the benefits of family insurance. But if only individuals are insured, the premium will be relatively cheaper than public insurance. It is very important to choose a good insurance company for private insurance. It is recommended to make a comparison before entering insurance. Be cautious in insurance.