Germany is inarguably one of the finest European countries to visit and work in. However, when you’re living in a foreign country as an expat, it can be pretty challenging to get accustomed to the local rules and regulations that vary from your own country. It can be incredibly overwhelming if you have to face a language barrier, which you might experience when you seek expat health insurance in Germany. It’s because many providers don’t have experts who are well-versed in English and can communicate with you seamlessly.
Moreover, when visiting the country, the last thing you want is to suffer an injury or health issue that can derail your trip. To prevent such an eventuality, you need to find an expert insurance provider who can guide you about health insurance in Germany. You will also need to ensure that your chosen company has experts who can communicate seamlessly with you in English. This way, you can rest assured that you will have a clear picture of Germany’s expat insurance and everything you need to do to apply for a healthcare plan that will work in your favour.
It’s where MW Expat Solution Services enters the picture. We have insurance providers who can speak the language you can understand. Here’s everything you need to know about us:
The Best English-Speaking Insurance Advisors in Germany
Based in Germany, near Munich and Berlin, MW Expat Solution Services is the insurance company you need in your corner. We have ample experience in providing expat health insurance in Germany. We can help you navigate the intricate maze of health insurance plans and figure out what will work best for you when you come to us.
We have fluent German and English-speaking professional insurance providers who are well-versed in all types of expat insurance in Germany, including health, general liability, pension, and more. Our providers will cut through the complexity of the German insurance system to help you choose the right solutions for your specific needs.
Expat Health Insurance in Germany
When you’re living and working in Germany, you are mandated to have health insurance. The state offers a dual system, which means choosing between state and private health insurance. However, you have to meet specific criteria to choose private insurance. For instance, Germany requires you to have state health insurance if you earn more than €62,550 per year and about €450 per month. Plus, if you are self-employed, you can choose private health insurance in Germany.
Moreover, German healthcare maintains an exceptionally high standard regardless of the system you choose. Your healthcare plan to be considered compliant by Germany has to cover everything considered medically necessary. Moreover, it should not have any reimbursement limitations.
Here’s everything you need to know about your options:
Private Healthcare
It offers the highest coverage, and for some individuals, it’s the most cost-effective option. It’s because your entry age, health, and your coverage determine the premiums you will have to pay.
State Healthcare
If you’re employed and earn less than €62,550 each year, have existing medical conditions, or have a family insured with you, the state health insurance system will be your best bet.
Supplemental Healthcare
This type of insurance plan covers any gaps in the state healthcare system. It can include alternative medicine, dental care, and private healthcare in hospitals.
International & Incoming Travel Insurance Options
In specific cases, people might need other types of non-compliant healthcare insurance as an immediate solution. However, this type of plan is only recommended for particular topics, such as visa applications. It’s because travel plans only cover emergency treatment during your stay and are valid for a short time. You can use these plans to apply for a Schengen visa and then a permanent plan when you start living in Germany.
Why Choose Us?
We are an expat-friendly insurance company that can guide you on health insurance in Germany in your language. We will explain all the insurance plans and options you have and elaborate on their benefits and disadvantages to help you decide what works best for your circumstances.
We will answer all your questions and give you sound insurance advice. Moreover, we will ask you all the right questions regarding your employment status, family situation, and health. All this information will help us offer you a plan that will suit your needs.
When you come to us, you can rest assured that you are in the best hands. Our English-speaking professional insurance providers will advocate for you and put your needs front and centre. Moreover, you will be able to benefit from our vast expertise in all areas of insurance.
So, if you’re ready to put your trust in the finest English-speaking insurance advisors in Germany, get in touch with MW Expat Solution Services today!
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