Private Krankenversicherung (pkv): Private Health Cover for Expats

As an alternative to the state supportedmight be expected cost is determined by such
healthcare system expats in Germany have thevariables as the patient's medical history, age and
option of signing up to a private health care plan.gender.
The prerequisite is a salary over 47,700 Euros.Its is important to bear in mind that while the
Those working in Germany on an independentGKV covers family and non working dependents
basis (i.e. self employed) would also be eligible.the PKV only covers the paying customer. On the
Employees would have to demonstrate that theyplus side private providers are not allowed to
had earned more than the threshold amount for 3cancel policies on the basis of claims made. They
years. Otherwise they will automatically beare legally required, furthermore, to set aside
enrolled in the government scheme (gesetzliche10% of contributions against health care provision
Krankenversicherung of GKV). It is alwaysto be rendered in retirement.
prudent to address this with employers as soonSelf employed German residents who are
as possible since when staff are registered forcovered by the policy of an international (i.e. non
the state insurance there is no option to changeGerman) provider should check the small print and
for three years. This draconian seeming measuremake sure it is acceptable in Germany. Even if
is a result of recent reforms and is designed tothe existing policy is applicable, long term
compel higher earners to stick with the statePflegeversicherung (nursing care) must be
system. The private option is attractive foracquired as well.private Krankenversicherung
expats because although standards are high with(PKV) regulations stipulate that all self employed
the standard program it is reassuring to havepersons must now purchase private health
access to medical staff whose competency ininsurance (even if they had no cover previously).
their patients mother tongue can be guaranteed.The German providers are legally obliged to
German hospitals depend increasingly on theiraccept applicants regardless of their health
private practice for funding and so receive newsituation. Finally, the cost will be capped by 1st
patients with open arms. The privateJanuary 2009. This government of the Federal
Krankenversicherung (PKV) market is covered byRepublic has introduced these measures to ensure
around 50 firms and there is a good palette ofthat ultimately all residents have cover.
products available to meet most requirements. As