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  1. 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
  2. Health insurance issue, am I covered?

    Hi all,   I'll try and cut a long story short.   I was a posted worker up until September last year working for a UK based company from Germany, as that posted worker status was coming to an end and I wanted to stay in Germany working for the same company I needed to then move onto the German social securities/insurances. I contacted AoK and the DVKA to see what the next steps were, after a few months they replied and contacted my employer regarding this, this slow process then continued into this year and my employer told me they do not want to register me with the German health insurer as they do not want a 'presence' in Germany. Instead I should go self-employed and they would be one of my clients (I know the issues regarding 1 client etc).  So now I've had to go down the self-employed road, I thought this would be a simple process - but no, the health insures need a record of my last 12 months NI/social security payments in the UK - I told them that is normally something only they can apply for this SO40/SO41 and it would take 6 weeks to come through, they then said that isn't necessary as long as I can prove it with other documents, so I did that with a P60 and pay slips - I've also applied for some other proof from HMRC but they haven't replied. Now again some weeks later the German health insurer has sent me a letter to say they need an SO40/SO41!!!... the exact thing I told them they need to apply for!! So I feel like I am in limbo here, all the while I have been paying my NI/social securities in the UK but I don't know if that covers me, but how else do I get covered if the health insurers are so slow during this process I can't just pay privately (can I?) for a few months as then I understand it would be difficult or impossible to register with state health insurance. Thanks  
  3. Hi,   I have found out about this new health insurance company from an internet ad.  Ottonova ( is their name (and website). Not much one can google about them. Their offer looks good from some angles interesting to me, but I was wondering if I can trust a little known company.  Anyone here have any experience with them and is willing to share?  
  4.   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.    
  5. Hi,   I have income both from a UK job, and from a job in Germany. The German employer has deducted health and social security contributions ignoring the income I had from the UK employer. However, the UK employer has now decided that I ought to have paid German health and social security contributions off the income they paid me, as I am resident in Germany. (Previously they had just been charging me national insurance etc.)   Is my UK employer correct? At present, I have already had the maximum possible amount deducted by my German employer, so I really should not have to pay anything extra. But I can believe it is possible that I might have to pay something to the UK employer and then claim the same amount back from my German employer. Is this right? How do the contributions get split between the two, when above the maximum salary for contributions?   Thanks in advance,   Tom
  6. 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:  
  7. Dear TT,   I know there are various topics similar to this but from my digging around TT I cannot find an answer to this simple question.    I am leaving Germany to Portugal. I called the TK my health insurance provider to ask what they need from me. On the first phone call they said I either need give an Abmeldungsbescheid (deregistration from Germany) or Versicherungsnachweis aus Portugal (confirmation of health insurance in Portugal).   I called the TK to double check this information was correct and was told that no, it was not correct and I need to provide both documents. I asked to speak to someone else and they reconfirmed that this is the case. I have now received a follow up email stating that I must provide both documents for them to allow me to leave their system, even if I live in another country.   In Portugal it is not that easy to acquire substantial proof of healthcare because healthcare is available for all residents under the social security system which I am not yet enrolled in. I am registered at a Portuguese doctors surgery and have access to healthcare, however the TK said this document is probably not adequate proof. This all sounds like objective bullshit to me. If someone is leaving Germany, to another EU state. I understand that you should provide the Abmeldungsbeschied. But is it really the law/requirement to provide proof to your German health insurance company of health insurance in your next country before they let you 'leave'?   I am yet to send any documents to the TK as I have not yet deregistered (will do next week). However I am expecting to fight a losing battle and want to avoid this if possible.   This feels corrupt and unfair. If you leave, you deregister, you leave. Does anyone have any kind of solution to help?   Regards     
  8. Hi All,   I am living in Germany for just over seven years and already got my German citizenship in 2015. I have just accepted a job in Belgium but I have a few questions concerning tax and health insurance. My wife and son will continuing to live in Germany: My work place will be in Belgium during week days, eventually I will be allowed to do home office but just one day per week but all weekends I will be in Germany. My new company will pay me a private health insurance. I will be a resident in Belgium and I will also pay my tax there. Here are my questions: 1: if I later take a job back in Germany, will I be allowed to be part to state health insurance(as I am today)? 2: right now I am tax class 3 and my wife tax class 5. Can my wife change to tax class 3? 3: Is there a special type of registration at the Bürgeramt for people like me, who work/live in another EU country but spent weekend with family in Germany? In other words, I would like to continue to be registered in Germany, is it possible? If possible, what would be the advantages/disadvantages? 4: I will pay income tax in Belgium. Where do I have to do my tax declaration for the year 2107, half of the year employed in Germany and half in Belgium?   I hope I gave enough background information and I would appreciate your help Regards, Leonardo