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If you are considering getting private health insurance in Germany there are a few things to consider prior to
making your decision. Germany is unlike other states because they've two kinds of health insurance systems working
side by side each other. In the simplest sort, there's the private health care system and
the public health care system. This is a brief explanation of how
they both work.
The Public Health Insurance in Germany
The public health insurance in Germany is usually allowed for the vast majority of workers and their dependents, trainees, and pupils.
The payment for the public insurance is deducted from your workers pay check by the employer.
Under such a coverage the workers children and spouse will
be covered for free. For those who have any pre-existing conditions that could have caused you
to be dropped in other types of health care, it must not be an issue in public healthcare.
The Private Health Insurance in Germany
The private health insurance in Germany is usually reserved for the freelancers and self
employed. This special kind of health insurance is more based on your own personal risk factors and age.
If you're applying for private health insurance in Germany
and you are healthy and young, you can expect to pay the absolute
lowest rates. As you age and grow specific
health conditions, the price of the insurance does grow. Understand that with private
health insurance you are required to make additional payments for children and your spouse, since
they're not automatically covered in this insurance.
Consult with the issuing insurance agency to make certain these states do apply before making
any choice. E.g. Private
Krankenversicherung Rechner. |
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