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How to avoid a back-charge for health insurance in Germany: Foreign private? AOK? TK? Central? Tips?
YogaMonkey posted a topic in FinanceHi guys, I've been officially registered in Berlin as my Hauptwohnsitz (main residence) since October 2015. I have no health insurance and have not been employed or earning any income. N.B. Any quick responses are appreciated as I may need to tell my new employer today to hold off on getting me my first German social security number if indeed this will open Pandora's box. See below. Questions: -Is there a particular Krankenkasse I can sign up to not back-charge me for two years of no health insurance? - Or can I now sign up with a cheap foreign health insurance company (i.e. UK based) to either just count as my ongoing insurance or to present to my upcoming Krankenkasse so that they don't think I have been uninsured and maybe then don't back-charge me? - If I do end up having to pay back-charges, how much will that be based on no income? (I'm still actually registered in the UK as a freelancer but have submitted £0 tax returns for a couple of years) - Today I am signing up with Deliveroo as a freelance bike courier. I have to get a Gewerbeschien for that. If I cancel the Foodora job and just take the Deliveroo freelancer job, can I stay off the health insurance radar? - Whether I work for Foodora and Deliveroo or just Deliveroo, does the fact that I will probably be only earning under €1500 mean my health insurance premiums will be only circa €150 per month from now on? (Presuming I don't just take some kind of cheap foreign health insurance? Useful background info: I am from the UK where the NHS just happens automatically, so obligatory health insurance is unfamiliar to me. I have not been employed or earning any money while I have been in Germany. I have just been using savings to renovate a mixed use Gewerbeeinheit property where I have been living, with the aim of setting up a business in the property, maybe. Money is nearly out, so, yesterday, I signed an employment contract with Foodora for circa €850 per month as a bike courier to keep me afloat financially while I renovate. Today I will also sign up with Deliveroo on a freelance basis to earn roughly €15 per hour for a number of hours of my choosing on top of Foodora. I wasn't sure if I would be in Germany for long at all at first and don't plan to be here for more than the next 3-4 years, so health insurance into old age is not an issue for me. I have just attended to any health queries on my visits to the UK for the moment, but that seems untenable for the next few years, so heath insurance would be a plus, but not if it is just asking for trouble. Toytown research: N.B. I have read a few similar posts and feel a new post is worthwhile as the useful posts I found were old and things change. I'm particularly hoping that @PandaMunich and @Starshollow or @john g.may have some good input. There was talk in earlier posts by @john g. of Central stopping but then reverting to back-charging, which seemed particularly relevant: https://www.toytowngermany.com/forum/topic/203249-health-insurance-backpayment-finished/?page=1 From @lightcycle: "A friend of mine recently got health insurance with AOK after two years of no insurance, she asked them if they were going to back-charge her for that time and they said "no, we don't do that anymore". Anyone heard anything similar? Have they really stopped the back-charging nonsense?" From @john g. "lightcycle: that´s interesting! I´m surprised but glad! I work in the insurance business and I know there´s one private health insurer which is no longer enforcing backpayments. Where will it lead? Don´t know...we´ve been through this before. A big private insurer, Central, did this in 2009 and got a lot of business. I know I got people insured there for that very reason. Then other private insurers got annoyed - as did the Govt. Central had to backtrack. The whole issue is absurd - how can you backcharge people for services they haven´t had? Bloody ridiculous." Thanks for your help! It is appreciated! Related posts I have viewed: Good overall wiki article by Patrick Ott (@StarsHollow): https://www.toytowngermany.com/wiki/Health_insurance A very relevant yet old and long post widely discussed by key Toytown players (as quoted above): https://www.toytowngermany.com/forum/topic/203249-health-insurance-backpayment-finished/?page=1 Some relevant info from the UK gov: https://www.gov.uk/guidance/living-in-germany#health Short but sweet on a similar topic: https://www.toytowngermany.com/forum/topic/134167-implications-of-having-no-health-insurance/ A guy sadly getting slagged off for asking a question: https://www.toytowngermany.com/forum/topic/355342-billed-for-not-having-health-insurance/?page=4