In Germany, health insurance is mandatory which means that regardless of your citizenship or residence permit, with or without an employment contract, you are obliged to have valid health insurance at all times during your stay in Germany.
Proof of adequate health insurance coverage must be presented during the application process for your visa, if you require one for entering the country.
In case you require a residence permit for Germany, you will also have to show proof of health insurance to the Munich Foreigners Office when applying for your permit.
It can also be beneficial to first check whether your health insurance provider in your home country will cover your medical and hospital costs in Germany. If this is the case, you will need a written confirmation of this for the duration of your stay.NOTE: If you are coming to Germany based on an employment contract, you must have a policy with an insurance provider licensed in Germany. It is advisable to contact German health insurance providers prior to your arrival in order to discuss all of your questions.
What must health insurance cover?
- Doctor and dentist treatment
- The supply of medication, dressing and aid
- Hospital treatment
- Medical services for rehabilitation
- Assistance through pregnancy and labor
The German health insurance system is characterized by the dual system of public (statutory) health insurance and private health insurance.
Public (statutory) health insurance
- Employees with a working contract usually fall into this category (except for civil servants and other groups).
- Employees can choose their own insurance provider. For more details on different health insurance companies, please contact us.
- Monthly contributions are to be paid in part by the employee and in part by the employer.
- The employee's contributions are taken out of the salary automatically at the end of each month.
Private health insurance
- Civil servants and other groups (e.g. self-employed, high-income-earners) can choose to be privately insured.
- There is a wide range of providers. Therefore, it is advisable to compare rates for your individual situation online as rates differ depending on your age, gender, health status and required coverage.
Information for civil servants
As a civil servant in Germany, you do not pay any social security contributions (for pension, health and nursing care, accident or unemployment). Instead, you are part of a governmental benefit scheme called Beihilfe which covers a certain percentage of the costs for private health insurance. In Bavaria, the Landesamt für Finanzen is the responsible authority for this.
NOTE: The remaining percentage must be covered by your own private insurance policy to reach a total of 100% insurance coverage. Most insurance companies have special offers for civil servants.