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  1. Hi 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: 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):   A very relevant yet old and long post widely discussed by key Toytown players (as quoted above):   Some relevant info from the UK gov:   Short but sweet on a similar topic:   A guy sadly getting slagged off for asking a question:  
  2.   Hey All,   A few months ago I had no health insurance and needed medical treatment at a hospital here in Germany. I put myself down as Selbstzahler (Self Payer) at the hospital and received the treatment.   Now my Krankenkasse application has finally been accepted (I'm a private customer) and my public health insurance membership has been backdated to a time BEFORE I went to the hospital and received treatment. To my knowledge all the hospital treatment I received would be covered by a Krankenkasse (in other words no extra stuff that would only be available to privately insured patients).   So my question is simply am I within my rights to approach the accounts department of the hospital and inform them that the bill for the treatment I received should be redirected to my Krankenkasse and not sent to me to pay myself?   I can appreciate that the accounts department might find it a hassle to redirect billing and might be reluctant to do so, but I'm wondering if at the end of the day they are legally obliged to do so or if they are within their rights to demand that I pay since at the time I was treated I identified myself as a self payer. I'd really appreciate any guidance from anyone who's got experience in this area. Thanks so much!  
  3. Hey there folks!  I have failed at finding this information anywhere in on google and this forum. Hope you could shade some light for me.   Context 1. I am currently a full time employee at a GMBH. 2. I do not have a restriction to start my own side business from my employer. 3. I want to open an UG (sole proprietary). 4. I do not plan to pay myself any salary in the foreseeable future (2-3 years). Concerns 1. Does being a company owner impose me to be privately insured for health? 2. Is it legally permitted for me to work for my company as a owner without take a salary (e.g. developing a software product or setting up a online shop)?  3. Should I consider to employ myself can I still be a member of TK? I know I'd have to pay the company's part of the contribution too.   Thank you all in advance!   
  4. Hi,   I am urgently looking ways to switch my health insurance from Private to Public as every year the premium is increased by Insurance provider. That too when our Medical expenses are almost null.  I have heard that one way is if the income goes below 54k pa then one will automatically be switched to Public health insurance.  So my question is does it also apply if the working hours are reduced to decreased the income?    Thanks, Ashfra
  5. insurance

    Hi everyone, I've lived in Germany for a few years. Now I am back in my home country, since I'm writing the final paper. I don't have plans to return to Germany.   The problem is that in order to matriculate, the university on the German side insists that I need to have my insurance from a German provider. Which I obviously don't have anymore.   I've already gone through the process of applying for an insurance when I first matriculated, but then my insurance company dropped me when I was in Germany, it was a private insurance company. The thought of having to go through the process of searching for another student health insurance company, plus paying extra for something that I'm not even going to use, really isn't comforting. I don't want to do it, since it means I'll have to write my insurance company (the one that dropped me) to ask them to reinstate me. Otherwise I'm out of luck, because I'm too old for public insurance and I can't afford to pay for the more expensive private insurance.   (Long story short, I cracked my arm and needed an MRI. The health insurance company dropped me like a hot potato.)   Does anybody have any suggestions what I could do? I already told the person-in-charge that I'm overseas right now. It makes no sense to require me to have an insurance since I'm not even there, but that's bureaucracy. :/  
  6. Dear Members, I have a question regarding "Schwere Krankheit Vorsorge", dreadful diseases insurance. I want some suggestions from you guys, that whether this insurance makes sense for me or not. I have been looking into the options from Canada insurance. Here is a little about myself. 1) I am 28 years old and work in I.T. 2) I plan to stay in Germany for next 5 - 7 years. 3) I have been told that insurance has world wide coverage, but if you are outside Germany, you need to come back and get checked by a German doctor. Does anybody has experience with the same insurance ? Looking forward for your opinions. Thanks.  Hammad  
  7.   The team of insurance and investment experts at Chambervelt, Rooselain & Cie. Ltd. – including Toytown’s well known “Starshollow” - offer you independent advice and quotations service on all kinds of insurance and financial planning for English-speaking clients in Germany.  We are known in the Expat community to be THE experts for health insurance – and can even offer a special group tariff for self-employed Expats coming to Germany together with ASEIG (association of self-employed Expats in Germany) which no other broker has access to.  Furthermore we are specialized in catering to US-nationals living in Germany with pension planning (including 401k-consolidation and IRA-advice). And for Expats who still have a pension pot in the UK and wonder, if they are better off moving it out of the UK (QROPS-transfer) or leaving it in the UK for good, we can offer fully independent and unbiased QROPS-advice together with our British partners – entirely fee-based. Last but not least, if you have been tricked into a bad QROPS transfer to some of those overpriced offshore plans, we can act as QROPS-saver for you by helping you to escape this trap.   Click to make a free enquiry. The following services are included:     • Health insurance  (German, International with §193 VVG compliance and a special group tariff for self-employed Expats in Germany which is compliant with both § 193 VVG and § 257 SGB V, the latter often being important for Visa-applications) • 3rd party liability insurance, renter's, home owner's, legal, disability and life insurance • Private, corporate, and tax saving pension plans for employees and self-employed ·         QROPS transfers, Offshore pension plans with fair and transparent cost structures ·         US-pension consolidation (401k, 403b, ROTH-IRA and IRA) • Investment advice – fee-based starting at 100.000 EUR investment volume - with a strong focus on passive investment funds (ETFs, Dimensional Fund Advisors ) in order to keep your costs low and generate more profit for you Here you’ll find an overview which insurances you really need   Click here for our video   About Chambervelt, Rooselain & Cie. Ltd.:   German laws, rules and regulations are the most complicated in the world. Germans invented red-tape-administration! As an annoying side-effect for Expats, simple issues like finding the right health insurance, custom-tailored pension plans or alternative investment opportunities which fit your personal profile can be very tiring without some expert advice. Furthermore: Your financial life is as individual as a fingerprint – one size does not fit all to this regards. That's why having your own C R & Cie. financial advisor is so important in order to get a really personalized, financial plan based on your daily needs, long-time objectives, goals and dreams.   C R & Cie. is a specialized service fully streamlined for and dedicated to the ExPat-community in Germany and not just an appendix to some standard bank or insurance. We are duly registered and licensed as an insurance broker and financial advisor. If you do not yet understand the vast and important difference between an tied insurance agent and independent insurance broker like us, check HERE on our website for an explanation      You can also see all our licenses/regulation for offering financial advice in Germany here: . This is the basic information every advisor needs to disclose to you upon first contact. If you do not receive such information from other advisors, demand it! If it is not provided, the advice is probably not licensed and thus not only illegal but also without proper regulation in case you find yourself the victim of malpractice.   The range of services and the completely independent advice are the result of more than 12 successful years focusing entirely on the needs and wishes of ExPats. If you want to have some references about the quality of our advice and services, we’ll be happy to provide you with recommendations from other ExPats who have become our clients since 2005 – or check out the real and unedited comments from other Toytowners below.   The advisory service is free of direct charges for insurance advice- for pension planning we offer both fee-based advice and commission-based advice. When it comes to investment advice, we recommend an approach based on inexpensive passive investment funds (ETFs, Dimensional) and therefore only offer fee-based advice. We do offer service and advice either by Email, phone  and Videoconference/Skype for all of Germany and 1:1-meeting in the Munich area (main office), Stuttgart and Berlin. Every couple of months we also organize meetings in Frankfurt and other cities upon request.   Contact:    If you like to be contacted in confidence, please send an e-mail to or use our contact form from the website. We will answer you within 48 hours at the latest. For direct contact please call 0700 226525688 (from within Germany).  Note that all quotations and advisory services for insurances are usually free of direct charges. Any fees we’ll charge you for pension planning and investment advice will be disclosed and quoted to you in advance, so that there you’ll never need to fear being charged any fees until you have been informed so beforehand and explicitly agreed to it.    
  8. Generic medication in Germany

    I am someone who has suffered from ADHD since childhood. Obtaining medication for it has never been a problem for me until I came to Germany, where I discovered that health insurance providers--both public and private--won't give adult ADHD one red cent. My final resort was to pay out of pocket. However, with the medication alone costing nearly €3.000 a year, after about 3 years I ended up having to give it up and tough it out.   It has gotten progressively worse, and I really want to start back on the treatment soon. Are there generic forms of ADHD medication available? I'm looking but I am only finding shady online pharmacies that probably sell Pez candy in bottles. Any help would be greatly appreciated.
  9. Public healthcare in Germany is not as catch-all as one might hope. Find out why going private could benefit both your health and your bank account.    
  10. Health insurance policies are never one-size-fits-all and life circumstances have a habit of changing. The Local spoke to an expert from leading insurance broker ASN to help you get the best value bespoke insurance policy.Find out more via the article:
  11. Hi Everyone, I am a German citizen that live in the UK and I would like to go back to Germany to give birth. The question I have is the AOK have requested a form 104 that I believe no longer exists and the S1 which means that I will be considered as leaving the UK which is not accurate. Eventhough I live in the UK I stayed registered in Germany so will have proof of residency in Germany. Do you guys know what my options are to be covered for 3 months? With Brexit everything is a mess hence why I am looking into being covered by the AOK instead of using any EU agreements. Any help is appreciated. Many thanks 
  12. Hi, I am employed by a German company as a scientist for 3 years (junior, also doing a PhD). However, I will be in the UK for 2 years of the 3. Since the employer and employee contributions both come out of my brutto, I am currently paying AOK 550 plus euros a month for health insurance while still being insured in UK for a lot less. I have turned 30 this year. What are my options to reduce the humongous health insurance, now that we are headed towards brexit? I do not intend to stay in germany beyond my employment and will most likely return to UK so NHS here will take care of me in the longer run.   I was thinking of switching to Mawista Science, my company says they will accept this. I am officially an employee of a German company who gets paid, but i am actually a student as well pursuing a PhD due to this paid employment. It is a Marie Curie Fellowship.   Many thanks.