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Signing up for public insurance

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Posted

Hello,

 

I am going to start working from the 1st of March'13 in Germany. I was wondering if my public health insurance will automatically get switched on (HR?) or do I have to apply for it myself? If automatic, how can I get a paper saying I am signed up, say on the first day of work.

 

I ask this specifically because I read in numerous places that when I go apply for a longer residence permit (initially I received one for 3months), the KVR might ask for proof of health insurance. Can someone help me with this query.

 

Niland

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Posted

If you have a work contract your employer generally pays for health insurance. It will be stated in your contract or ask you HR for definite answer.

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Posted

No, arahlucky: the employer doesn´t pay for health insurance: he/she pays for a PART of the health insurance. It depends on the company whether they help you or not. A bad company will say " you sort it out ".

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Posted

thanks for the correction john.

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Posted

@ Niland: Since you don't have your nationality noted in your profile, it's impossible to help you any further than to say, "No, it's not automatic." If your HR is good, they will help you sort it out - but then again, as John G. said, they may tell you to do it yourself. Depending on your nationality, it could be wise to consult one of the independent insurance brokers that are active here on TT for advice - often HR is NOT aware of all the ins and outs and traps expats can fall into with health insurance. John G. and Starshollow are both highly recommended.

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Posted

This happens all the time, arahlucky. People contact us and don´t know what to do. It´s amazing..people travel around the world for a new job and get no help - or the wrong information.

The HR people are often the worst! :ph34r:

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Posted

Thanks for all the replies. I am non EU (S.A).

From what I understood, it really depends on a good vs. bad HR person. Nonetheless, just to clarify one thing..do you know if health insurance proof is required for a long term residence permit application? (in my case, blue card) Or the work contract will just do fine? In principle, I will be kind of without any insurance of my German public insurance doesn't start on day 1.

 

By the way, I am single and young (will soon be married - wife will be studying in Germany)..would TKK cut it for me? or AOK?

 

Thanks!

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Posted

To become a resident in Germany, you need health insurance. Your work contract in itself has nothing to do with the health insurance. There is nothing stopping you from getting your health insurance set up before you start your job - in fact, it would be a good idea as then you won't have to zip off to get it done once you start. A *bad* (i.e. less than helpful) HR dept. will simply ask you for your insurance details (if they don't have lots of foreigners arriving for their first job in Germany, they may even not think of you getting set up as anyone who is already here already has their health insurance and just provides the details). the insurance is not tied to your job, i.e. if you change your job, you are essentially still insured with the same company (unless you actively switch).

 

If you have contact with the HR dept before you start, you could ask if they have any recommendations - but essentially it is YOUR responsibility to get yourself set up.

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Posted

As Ruapehu said, you MUST have German (or BaFin-approved foreign) health insurance (and be able to show proof) to get a work and residence permit. Since you are non-EU, I strongly advise you to get in touch with one of the independent insurance brokers specialising in expat issues, that are active here on TT. John G. and Starshollow are both extremely competent and come highly recommended.

 

Rules and regulations are changing all the time, and I've heard too many stories about HR mucking things up beyond repair because they were't cognizant of the current regulations.

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Posted

Thanks a lot! Its clear now :)

I will buzz the HR for now, and if they seem to not know the process, I will get back to the TT insurance experts.

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Posted

Both AOK and TKK will do. The basic cover is the same for all public medical aids. However, there are some optional things in which they might differ. E.g. TKK offers a chance for cheap travel insurance via Envivas, a company which only accepts TKK customers. Or they will pay for going to gym classes up to EUR 150/year. Those extars differ from between medical aids. I am only familiar with TKK as I am insured with them. So I cannot comment on what AOK or others might offer.

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Posted

Just a word of warning: Even if your HR seems to "know the process", their information could be dead wrong. Just sayin'.

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Posted

 

cheap travel insurance via Envivas, a company which only accepts TKK customers

 

Which is technically just a Generali Holding front - and while it may be "exclusive" it's not all that cheap.

 

The CosmosDirekt "Single Tarif" for example costs the exact same as the "exclusive" Envivas "TravelXN" with the same package (not sure regarding people aged 70+, Envivas' prices become pretty steep there), with CosmosDirekt of course not limited to TKK customers only. Both companies are owned by Generali.

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Posted

 

Which is technically just a Generali Holding front - and while it may be "exclusive" it's not all that cheap.

 

The CosmosDirekt "Single Tarif" for example costs the exact same as the "exclusive" Envivas "TravelXN" with the same package (not sure regarding people aged 70+, Envivas' prices become pretty steep there), with CosmosDirekt of course not limited to TKK customers only. Both companies are owned by Generali.

 

Does Cosmosdirekt offer insurance for longer-term travel (more than 56 days)? At least I cannot find it on their website at least. When I needed health insurance for more than 3 months I usually used Envivas as I couldn't find a cheaper alternative (DKB was about the same but they preserved the right to decline cover), which Envivas didn't).

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Posted

Just my general opinion: no idea whether CosmosDirekt or Envivas is cheaper for travel insurance...don´t just consider the difference of a couple of euros here or there - it´s the cover that counts. Will you be fully insured for the worst case scenario, including repatriation? Check the small print rather than ONLY your wallet.

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