Health insurance costs, how much do you pay?

139 posts in this topic

Posted

Quote split from another thread...

I am paying around €250 as far as I remember.

Please tell me that's not 250€ per month! If it is, it's really expensive. But then again, if that's per year, it's really cheap. What's your insurance deal?

My employer gave me two options: 45€/month that didn't cover pregnancy or dental or 85€/month that covered both (I opted for that one). Am I getting ripped off? Or is it a good deal?

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Posted

45€/month

Jeeves searches for words and reaches for the wine bottle...

Sounds pretty good value to me.

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Posted

My insurance in total is €250 a month, with half paid by the employer. So €125 a month then. Is that a rip off? What are other folks paying?

And I don't pay church tax.

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Posted

for health insurance, for a bloke, that is normal i think. I used to pay 13% with SBK and now I'm private I pay € 200-odd which is less... but then I'm a girlie, and the policy I have gives me a 1300€ refund every year if I don't claim that much, plus they pay for glasses, sunglasses, massages, etc...

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Posted

My insurance is 408€ per month. I'm female, and it's private insurance. My company pays almost half of that. They only pay 50% of the public insurance rate. Of course, that's expensive from my perspective(having worked for insurance companies most of my career and getting free or very cheap health insurance). But, what can you do?

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Posted

Kitkat, that sounds exorbena.. exhorbin... exorbann... really expensive. I pay about €1000 per year for health insurance. Who are you with?

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Posted

Insurance for females seems to be about 2-2.5 times more than that for males. She's only paying 200 per month (company pays the other half) while you say you're paying about 90. Sounds about right to me.

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Posted

For private insurance females pay more than males for the same service. Fact.

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Posted

I'm with Huk Coburg. They pay for everything(contact lenses, etc). I went to the doctor for my shin splints and he did an MRI(same day, amazing) and they paid for that too - 100%. So, I can't complain. I heard that they also pay for the lasik surgery for eyes - I have to check that out - life would be so much more convenient without contact lenses.

Plus, I was already 36 when I moved here so my, ahem, "advanced age" made it more expensive.

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Posted

@ Jeeves

Females as a group (as opposed to the individual) don't pay more for the same service - they are sicker more often and for a longer period over their lifetime than males. That's the beancounter explanation (I'm a beancounter ahem).

It's the same reason why males and in particular young males pay more for car insurance - the companies pay out a lot more for their cover.

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Posted

OK, so I am seriously getting ripped off. Can anyone beat 477 Euros per month? OK, so my employer pays half, but geez!

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Posted

I claim the prize!!

€505,68 on my most recent wage slip.

I've resolved to look into private insurance when I get back from hols...

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Posted

i don't know how to do it and don't have time to figure is out, but maybe someone can make a pole thingy with a range of prices for male/female insurace... i think it would be interesting...

i'm with dbv winterthur and pay €272 total (i.e. €136 myself) a month, i've never had occasion to make a claim off them yet, but there service looks proeety extensive...

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Posted

In the short term Private is better if you are not planning in staying in Germany

for the restof your life. The problem arises when you retire, then Private costs

a fortune compared to the public health care...in relative terms private can cost

2000 euros a month when you are in your retirement!!

SO I will stick with public, as I plan to stay here very longggggggggggg!!!

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Posted

I have expat health insurance with JBI Private Health Care for Expatriates based in the UK. I originally just took out 6mths but have now extended it. I only pay about 45 pounds (Euro 64) per month. Its cheap as chips! It works too, as I ran up over 1300 Euros a few months back when I was quite ill and seeing lots of different people and getting lots of prescriptions. They ended up paying about 1400 to me, so I actually gained 100 yoyos for me beer fund - Happy Days :D

I looked into getting health care here but the prices were horrific. If you are here for a couple of years or so and from the UK, I would highly recommend getting your insurance from the UK its much cheaper.

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Posted

I am self employed and pay 260 a month, but I am hoping that it can be declaired against earnings... Anyone know?

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Posted

I had arranged healthcare cover with bupa international before i moved out here from england. but when i got here they said that bupa would not be sufficient and i would need a german healthcare insurer. Does anyone know why this is, and if i can just go private, or is it only if the company offers it as an option? i am currently paying 104€a month , so 208€ altogether.

thanks

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Posted

Females as a group (as opposed to the individual) don't pay more for the same service - they are sicker more often and for a longer period over their lifetime than males. That's the beancounter explanation (I'm a beancounter ahem).

Bullshit. We're just not as reluctant to go as all you damn men are! ;)

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Posted

It's the fact that we can get pregnant, not that we get sick more often, that we have to pay more. As told to me by the insurers themselves.

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Posted

Yep - pregnancy and all the bits required to get pregnant are quite high maintenance, so ladies cost more, simple as that.

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Posted

I agree with showem. However, of the two insurances offered me by my employer, 45€/month or 85€/month, the latter included pregnancy coverage, but would cost the same if a guy opted for that company. I dunno, maybe my employer has some special deal with these companies, but there's definitely no difference between the cost for men vs. women here.

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Posted

Walker said:

In the short term Private is better if you are not planning in staying in Germany

for the restof your life. The problem arises when you retire, then Private costs

a fortune compared to the public health care...in relative terms private can cost

2000 euros a month when you are in your retirement!!

SO I will stick with public, as I plan to stay here very longggggggggggg!!!

What do you mean by "in relative terms". Would it cost 2000 a month in today's money or not? I thought that there was a law against them upping the cost by that much. I believe that a propportion of the insurance is paid into a regulated fund, so that the cost does not go up so exorbitantly when you are older.

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Posted

Mine all comes out as a bit lump sum for Krankenversicherung, Pflegeversicherung, Rentenversicherung etc. Re. the pension insurance - is there any chance I'm going to see it ever again? Cos it's even more than my health insurance. I mean, I know nowt about how pensions work - is this money still mine or could it disappear into the German state coffers never to be seen again, whether I stay in Germany or not?

BTW, I am in Berlin now, but continue to look at TT for advice - it has yet to be beaten by any similar forum here oop North.

:)

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Posted

I'm brand new to this forum - American living here since 2001 - sure wish I had access to all this info back then.

Anyway... just to add a bit of interesting info - particularly for the ladies - regarding health insurance in germany and pregnancy/childcare etc. I just learned all this and it's a nightmare. Basically, if you are privately insured, you don't get any "mutterschaftsgeld" during your maternity leave. You would only get this if you fall below the salary level of 30K euro netto household. And no one I know below that level would be privately insured so it's an "oh brother". There are some other differences regarding pregnancy/birth/maternity leave/ and "Elternzeit" for Private vs. Public insureds so be sure to inform yourself through your insurance contract, your employer (HR dept.), and the laws. If you are privat insured and want to change to public you can only do so if you earn below a certain amount (i.e., you would have to go part-time if you are currently full time). Also very complicated re: whether child goes on your private insurance or your spouses public insurance (if he/she is on a different insurance).

I'm privately insured and chose to be because the care is so much better - I recently went into the hospital and got private room, excellent care etc. all 100% covered by DKV. Now given I pay 485 euro/mo but 1/2 paid by employer. My husband is public insured with AOK (the worst coverage and most expensive so he'll be changing) and he actually pays 590 euro/mo for crappy coverage and he is 4 years younger than me (I'm 37).

It's just awful over here re: childcare/daycare and insurances... no wonder germans aren't having kids!

Key point in this long winded text of mine: Get informed sooner than later!

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