Health insurance

Of course, we wish you that you get sick as rarely as possible in Germany. If you or your family do need a doctor, you will find that you can get help quickly and cheaply. Germany has a dense network of hospitals, medical practices, and pharmacies.

As an employee, you are always covered by health insurance – either as a member of statutory health insurance or private health insurance. If you get sick, the health insurance company will cover the costs of medical treatment. The basic insurance coverage of the statutory health insurance companies extends to the following benefits:

outpatient medical treatment, for example in a doctor’s office
Dental care
Medicines and remedies or aids
Inpatient stays and treatments, for example in hospitals
Medically necessary rehabilitation measures
Benefits for pregnant women and during childbirth
If your spouse is not working, you can take out statutory health insurance for them. You will not incur any additional costs. The same goes for your children.

By the way: if you take out health insurance, you are automatically covered by long-term care insurance. The care insurance steps in if you are z. B. can no longer care for themselves due to a serious illness – i.e. need help from a carer.

What is the health card?

As soon as you are a member of statutory health insurance, you will receive your electronic Health card, a kind of health insurance membership card. There is a photo of you on this card. In addition, name, date of birth, address, insurance number, and insurance status are saved. You present the card every time you visit a doctor so that the doctor can later settle the treatment with the health insurance company. The health card is valid in all 28 EU countries as well as in Iceland, Liechtenstein, Norway, and Switzerland. This means: If you fall ill while on vacation or on a business trip in these countries, the health card gives you access to local medical care. It is advisable to find out about the procedure in an emergency with your health insurance company in good time before going abroad.

Of course, we wish you that you get sick as rarely as possible in Germany. If you or your family do need a doctor, you will find that you can get help quickly and cheaply. Germany has a dense network of hospitals, medical practices, and pharmacies.

As an employee, you are always covered by health insurance – either as a member of statutory health insurance or private health insurance. If you get sick, the health insurance company will cover the costs of medical treatment. The basic insurance coverage of the statutory health insurance companies extends to the following benefits:

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