As of 2009, health insurance is mandatory for anyone living and working in German.

If you are a non-EU citizen and would like to stay longer than 90 days in Germany you will have to apply for a Residence Title (visa).

In accordance with Section 5 (1) (1) of the German Residence Act (AufenthG), residence titles are in principle only granted to individuals who can secure their livelihood.

Section 2 (3) AufenthG states that one component of the ability to secure your livelihood is having adequate health insurance coverage.

You have the choice to enroll in German private health insurance or in an international health insurance plan. But not every international health insurance company fulfills the requirements of German law.

The law states:

Foreign nationals who are not covered by statutory health insurance must provide evidence of health insurance from a non-statutory health insurer. This health insurance coverage must meet the following requirements.

a) The health insurance coverage corresponds in its nature and scope to that of the statutory health insurance scheme, i.e. that it specifically does not contain any large-scale exclusions of benefits, require high-percentage excess payments from the insured person, limit the costs reimbursed in any way in the event of illness, or contain ay expiration or indemnity clauses with respect to the insured`s age, the cessation of activity or changes in the purpose of residency. In addition, the insurance policy must run indefinitely or be extended automatically and created as a form of life insurance.

b) The Federal Supervisory Authority for Financial Services (Bundesanstalt für Finanzdienstleistungsaufsicht) in Bonn has confirmed that the agreement entered into with the insurance company fulfills the statutory requirements on health insurance in accordance with Section 257(2) (a) of Book V of the German Social Security Statute(SGBV)

How do you find out if an international health insurance policy is valid in Germany?

Ask the health insurance company to verify that the above listed legal requirements are fulfilled. If the international insurance company is not able to provide this confirmation, it is most likely they do not fulfill the German legal requirements.

As an independent insurance broker I have a wide variety of offerings available to help you and your family with a customized health insurance solution that's perfect for you.

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