Health Insurance
The German health insurance system is rather complex. For information and an overview of the German health insurance system
It is strictly required that all international researchers have a health insurance that is valid for the entire duration of their stay in Germany. The Immigration Authorities require you to prove that you have adequate health insurance cover before they can issue a residence permit. Please note that you must have health insurance cover from your very first day in Germany. If you enter Germany on a Schengen Visa for a short-term research stay up to 90 days, you will generally be required to prove that you have travel health insurance cover of at least 30,000 Euro. For long-term stays, you must have comprehensive health insurance cover at least equivalent to a German statutory health insurance (unlimited insurance cover). We strongly recommend to choose an adequate German health insurance policy. Depending on your status in Germany, there are various options:
- You have an employment contract at 看片软件: in this case, it is compulsory to be insured with a statutory German health insurance fund. However, you are free to choose any of the existing funds. Family members (children, spouses with no own income) will be included for free. Enrollment is possible with pre-existing helth conditions, too. If on GU payroll, health insurance premiums are deducted from your gross salary at source. Currently all statutory health insurance funds charge a standardised premium of 14.6% of your gross salary of which the employer pays 7.3% and the employee 7.3%.
- You come on a visa according to 搂18d of the German Residence Act (Research Visa): in this case, you may enroll either with a privat health insurance (travel insurance) or with a statutory German health insurance fund.
- If your gross salary exceeds the compulsory insurance ceiling (73.800 EUR/year) you can insure yourself either privately or voluntarily with a statutory health insurance fund.
- You have a scholarship or are financed via your home country or enter Germany on a visa other than 搂18d of the German Residence Act (Research Visa): You have to take out an adequate private health insurance policy in Germany.
- You are an EU citizen: member states of the European Union introduced the ). It is issued by the national insurance providers in your home country. As a holder of a European Health Insurance Card you can contact doctors and hospitals directly if you are ill, including in other EU Member States. Please note that the EHIC is only meant for short-term stays (max. 2 years). For a long-term stay, a German health insurance is required. Please check with your domestic insurance company what items and what period of time are covered in Germany. Foreign insurance companies will not always cover all the costs that may arise in Germany. .
You can find further information on health insurance at . The choice of private and statutory health insurance funds and companies is very large. It's worth comparing costs and services. In the following, we have compiled some information on the statutory and private health insurance funds and companies, but we do not make any claim as to the completeness of this information.