Regulations on Insurance for Artists/visa

10 posts in this topic

Posted

Hello All,

I just wanted to share with you an update on the regulations as of 2012, on what insurance the Ausländerbehörde will accept for us to carry a selbständige Künstler Visa.

I and another US citizen this morning at the Ausländerbehörde were both denied our 1 and 2 year Visa's due to new regulations on health insurance. US extended stay Travel Insurance from places such as, HCC Medical or Atlas Series, are NO LONGER being accepted as credible forms of insurance. Last year when I initiated my Visa, it was accepted, however this is no longer the case. You must now purchase German insurance for self employed Artist (selständig Künstler)and pay a minimum of 100/150€ per month. But what I have found thus far, is nothing less than 250€ per month.

I was referred to Rainer Epbinder at ASTRAL Versicherungsmakler, by (HYDRA), a non-profit organization to help Prostitutes here in Berlin secure medical insurance for their special careers, during an interview. He specializes in insuring "prostitutes" and also helping "Ausländer" secure proper insurance. He speaks English, making it much easier and he is also very friendly and has no problems taking the time to make sure all is understood.

Since I have already spoken with him about supplementing my American Insurance with German Insurance to cover Dental and initial costs, I will be contacting him for a quote for the special insurance now required to renew my Visa.

As I do not have all the details on costs, other Insurance companies, etc. I would be happy for anyone else to share their knowledge and help spare someone hours of early waiting at the Ausländerbehörde, only to be denied because of this new change...which is not updated on the website.

Let me know if this was helpful.

Best regards and Luck

Amber

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Posted

If this is true life is about to become a bit harder for some. I guess I am lucky I switched to my partners. This def sucks.

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Posted

Hello djsubkitten!

Well, thanks for posting that. It´s informative but..not new. There are many financial advisors and brokers on Toytown who have been warning people for over 3 years about the unacceptability in most cases of American and other non-EU health insurances.

It is actually NOT true that insurance must be German..it must be acceptable to the German Financial Supervisory Board (the BaFin ) ie licenced to operate in Germany under the so-called European Passport. BaFin have a list of acceptable insurers on their website.

This thus allows certain European (but not-German ) insurance companies to offer their products here and the prices you quote may well be the case for this person or othe other but otherwise it will depend on the age, deductible and what sort of insurance cover people want plus MUST have to fall in line with the visa regulations...and sometimes this can vary from Ausländeramt to Ausländeramt or even within an Ausländeramt...depending who serves you!

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Posted

Last year when I initiated my Visa, it was accepted, however this is no longer the case.

It actually shouldn’t have been accepted last year either.

He specializes in insuring "prostitutes" and also helping "Ausländer" secure proper insurance. He speaks English, making it much easier and he is also very friendly and has no problems taking the time to make sure all is understood.

Does he also have liability insurance?

I would be happy for anyone else to share their knowledge and help spare someone hours of early waiting at the Ausländerbehörde, only to be denied because of this new change...which is not updated on the website.

Actually this info has been on their website for over 1.5 years! See Cheap health insurance to satisfy a visa or permit for further info.

The ABH in Berlin knows that this is a problem and have even issued a bulletin regarding the solution in both English and German.

You might want to consider an expert who specialises in expats to help you (hint: read John's disclaimer).

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Posted

Hello All,

I just wanted to share with you an update on the regulations as of 2012, on what insurance the Ausländerbehörde will accept for us to carry a selbständige Künstler Visa.

I and another US citizen this morning at the Ausländerbehörde were both denied our 1 and 2 year Visa's due to new regulations on health insurance. US extended stay Travel Insurance from places such as, HCC Medical or Atlas Series, are NO LONGER being accepted as credible forms of insurance. Last year when I initiated my Visa, it was accepted, however this is no longer the case. You must now purchase German insurance for self employed Artist (selständig Künstler)and pay a minimum of 100/150€ per month. But what I have found thus far, is nothing less than 250€ per month.

I was referred to Rainer Epbinder at ASTRAL Versicherungsmakler, by (HYDRA), a non-profit organization to help Prostitutes here in Berlin secure medical insurance for their special careers, during an interview. He specializes in insuring "prostitutes" and also helping "Ausländer" secure proper insurance. He speaks English, making it much easier and he is also very friendly and has no problems taking the time to make sure all is understood.

Since I have already spoken with him about supplementing my American Insurance with German Insurance to cover Dental and initial costs, I will be contacting him for a quote for the special insurance now required to renew my Visa.

As I do not have all the details on costs, other Insurance companies, etc. I would be happy for anyone else to share their knowledge and help spare someone hours of early waiting at the Ausländerbehörde, only to be denied because of this new change...which is not updated on the website.

Let me know if this was helpful.

Best regards and Luck

Amber

There are a lot of vague and unclear things in your post and I hope it is ok if I, as a professional advisor to Expats just like John_G write a few comments/corrections:

1) for a full Visa you should never have been accepted with an US insurance (travel health or else) in the first place, unless your US insurance is registered at the German BaFin (federal regulatory authority for insurances in Germany as John pointed out already). Among the few US insurance companies who offer international tariffs accepted by German authorities is AETNA, btw.

2) JOhn already pointed out that you only need an insurance that satisfies § 193 Abs. 3 VVG - which a number of BaFin acknowledged international full health insurances do. A specialized advisor/broker should be able to set you up with such an insurance and help you get this accepted by the Ausländeramt, too.

3) I have seen or heared that some Berlin Ausländeramt required dental coverage - that is total bullshit, if you excuse my French. because not even the relevant laws in Germany require dental coverage. What you needs is outpatient and inpatient coverage (both including pregnancy/maternity) with a yearly excess/deductible of no more than 5.000 EUR and you also need a German "Pflegepflichtversicherung", i.e. a long-term-nursing-care insurance as it is an obligatory/compulsory insurance as well

4) German private health insurances will mostly be rejecting an application from you at this point. Most of them will require either proof of you having lived already in Germany for >2years with fully compliant health insurance and/or an existing residence permit with another 2 years or so validity. If the advisor you mentions can get you into a German private health insurance at all, take it, not matter what the costs, as it is some achievement already to get you into it. Alternatively, have some experienced advisor set you up with a good and recognized international health insurance.

Cheerio

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Posted

Hello All,

I just wanted to share with you an update on the regulations as of 2012, on what insurance the Ausländerbehörde will accept for us to carry a selbständige Künstler Visa.

I and another US citizen this morning at the Ausländerbehörde were both denied our 1 and 2 year Visa's due to new regulations on health insurance. US extended stay Travel Insurance from places such as, HCC Medical or Atlas Series, are NO LONGER being accepted as credible forms of insurance. Last year when I initiated my Visa, it was accepted, however this is no longer the case. You must now purchase German insurance for self employed Artist (selständig Künstler)and pay a minimum of 100/150€ per month. But what I have found thus far, is nothing less than 250€ per month.

I was referred to Rainer Epbinder at ASTRAL Versicherungsmakler, by (HYDRA), a non-profit organization to help Prostitutes here in Berlin secure medical insurance for their special careers, during an interview. He specializes in insuring "prostitutes" and also helping "Ausländer" secure proper insurance. He speaks English, making it much easier and he is also very friendly and has no problems taking the time to make sure all is understood.

Since I have already spoken with him about supplementing my American Insurance with German Insurance to cover Dental and initial costs, I will be contacting him for a quote for the special insurance now required to renew my Visa.

As I do not have all the details on costs, other Insurance companies, etc. I would be happy for anyone else to share their knowledge and help spare someone hours of early waiting at the Ausländerbehörde, only to be denied because of this new change...which is not updated on the website.

Let me know if this was helpful.

Best regards and Luck

Amber

Amber, I´ve been thinking about this...how can you supplement your American insurance with dental and " initial costs" ( whatever that may mean ) ? You see, if you want supplementary private dental insurance (Zahnzusatzversicherung), that is only possible if you have public insurance/geseztliche Krankenversicherung and that would only be possible if you got public insurance ( eg through the Künstlersozialkasse ). Otherwise, you - as an American freelancer , cannot get public insurance unless you´ve just come from a public system in Europe..

By the way, I googled the website of the gentleman you referred to. Perfectly kosher. Mind you, he still offers Central as a private insurance - not possible anymore ( or even desirable ) as they´ve only been dealing with a well-known pyramid structure company since earlier this year! But I understand that..we all have hassles updating our website..ours isn´t perfect, either, and there are mistakes which we are trying to rectify..but it´s all very time-consuming. :)

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Posted

There are a lot of vague and unclear things in your post and I hope it is ok if I, as a professional advisor to Expats just like John_G write a few comments/corrections:

1) for a full Visa you should never have been accepted with an US insurance (travel health or else) in the first place, unless your US insurance is registered at the German BaFin (federal regulatory authority for insurances in Germany as John pointed out already). Among the few US insurance companies who offer international tariffs accepted by German authorities is AETNA, btw.

2) JOhn already pointed out that you only need an insurance that satisfies § 193 Abs. 3 VVG - which a number of BaFin acknowledged international full health insurances do. A specialized advisor/broker should be able to set you up with such an insurance and help you get this accepted by the Ausländeramt, too.

3) I have seen or heared that some Berlin Ausländeramt required dental coverage - that is total bullshit, if you excuse my French. because not even the relevant laws in Germany require dental coverage. What you needs is outpatient and inpatient coverage (both including pregnancy/maternity) with a yearly excess/deductible of no more than 5.000 EUR and you also need a German "Pflegepflichtversicherung", i.e. a long-term-nursing-care insurance as it is an obligatory/compulsory insurance as well

4) German private health insurances will mostly be rejecting an application from you at this point. Most of them will require either proof of you having lived already in Germany for >2years with fully compliant health insurance and/or an existing residence permit with another 2 years or so validity. If the advisor you mentions can get you into a German private health insurance at all, take it, not matter what the costs, as it is some achievement already to get you into it. Alternatively, have some experienced advisor set you up with a good and recognized international health insurance.

Cheerio

We´ve been through this hassle the last couple of weeks with AETNA, Starshollow. Mind you, it was a case of seconded employees: a married couple who´d been here on an American contract with a multinational company for over a year and then switched to a German contract with the same company plus a single lady who is a colleague of theirs with a similar story.

In both cases there was an original rejection by the German insurer because they were not German-insured. The legal department had to look at it twice - we even emailed them a Wikipaedia text about what secondment is!! :D I hope they read it!!

The problem with freelancers/self-employed from outside the EU and looking for a visa remains: who can get them the so-called Bescheinigung ( proof, stamped and signed by the insurance company ) to present to the visa people? This is a key issue but solvable..though not through AETNA, as far as I know.

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Posted

What's going through my head now is this:

The unacceptable policies are travel insurance designed to cover you while you're away from home. They're not designed to cover your year round healthcare needs, they're there to basically extend the coverage you have back in your home country to a country you're visiting.

That's fine for a holiday, but not if you're here long term; then you need a policy that provides the healthcare that you would get in your home country. Because for the medium term, this is your home country.

People see these, essentially travel policies, and say "It's insurance to cover my healthcare, therefore it's health insurance why can't that count. Why should I pay more."

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Posted

Blimey..I´m getting old..had to read your post about three times ( or was it four? ) before I understood it, Rankersbo!! :) ..yes, you´re right!!!

..plus people don´t know the laws, don´t think about it, don´t care, don´t think about the consequences! Been there, done it. I survived with luck!!!

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We´ve been through this hassle the last couple of weeks with AETNA, Starshollow. Mind you, it was a case of seconded employees: a married couple who´d been here on an American contract with a multinational company for over a year and then switched to a German contract with the same company plus a single lady who is a colleague of theirs with a similar story.

In both cases there was an original rejection by the German insurer because they were not German-insured. The legal department had to look at it twice - we even emailed them a Wikipaedia text about what secondment is!! I hope they read it!!

The problem with freelancers/self-employed from outside the EU and looking for a visa remains: who can get them the so-called Bescheinigung ( proof, stamped and signed by the insurance company ) to present to the visa people? This is a key issue but solvable..though not through AETNA, as far as I know.

JOhn: it would depend on whether it was AETNA USa or AETNA International - only the latter is duly registered as insurance company in Ireland and thus eligible for distribution in Germany.

Cheerio

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