Moving to Berlin and my situation or question is unique

1,848 posts in this topic

Your Irish health insurance is irrelevant, you need German health insurance and that is not cheap, especially if you don't have an employer stumping up part of the payment. 

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25 minutes ago, BAFritz said:

 

My husband has private health insurance in Ireland through his parents that he can cancel at any time. I had public health insurance. What happens if he has private health insurance in Ireland? His parents are still covering him. Does that mean he needs to have private here?

 

When I originally went to sign up (at TK) I tried to just sign myself up, and leave my husband to decide if he wanted to remain on his parents plan, or possibly get his own private insurance. But the man who was registering me was adamant that they would be charging me a percentage of whatever our combined income was, so we figured there's no point in us not signing up together since we'll basically be paying for him too.

 

Also, what do you mean by talk to them properly? Additionally- they charge some people 700 a month per person for insurance?! We would have to move out of Germany if they did that to us.

If your husband can only show he was privately health insured before coming to Gernany, he will have to have private health insurance- however, Irish people have told me people are always publicly health insured anyway as well as often privately insured on a supplementary basis. The onus is on YOU to prove public insurance membership ( for lack of a better word ) before coming to Germany although it is up to German public insurance companies to contact the public insurer in the home country of the applying member?.

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22 minutes ago, BAFritz said:

Also, what do you mean by talk to them properly? Additionally- they charge some people 700 a month per person for insurance?! We would have to move out of Germany if they did that to us.

 

A friend of mine who is a freelancer pays €650 per month. Did you prepare yourselves at all before moving to Berlin? It seems to me that people who move to Berlin are the worst prepared or least informed about Germany and it's ways. Most of them move back within 6 to 12 months when they run out of money. I'm sorry to say this.

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23 minutes ago, LukeSkywalker said:

 

A friend of mine who is a freelancer pays €650 per month. Did you prepare yourselves at all before moving to Berlin? It seems to me that people who move to Berlin are the worst prepared or least informed about Germany and it's ways. Most of them move back within 6 to 12 months when they run out of money. I'm sorry to say this.

Yes we did prepare ourselves, we saved and prepared for years before moving. We've been planning this move since 2010. I really don't appreciate the snideness of your comment. We are being told different things by many different people, including different things within the same health insurance company depending on who we speak to- hence our confusion. We were also repeatedly told we could do nothing substantial until we arrived in Germany.  Every message board gives different advice and says different things and not all of them can be telling them truth. Everyone seems to agree it's nearly impossible to navigate the bureaucracy in Germany, so I'm not sure why you assumed we haphazardly decided to move to Berlin a whim with no money and no plan.

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35 minutes ago, john g. said:

If your husband can only show he was privately health insured before coming to Gernany, he will have to have private health insurance- however, Irish people have told me people are always publicly health insured anyway as well as often privately insured on a supplementary basis. The onus is on YOU to prove public insurance membership ( for lack of a better word ) before coming to Germany although it is up to German public insurance companies to contact the public insurer in the home country of the applying member?.

So let me get this straight, because his parents had him added on their private family plan in Ireland (which he never asked them to do or used it) he'll have to sign up for private insurance here, AND when I sign up for public they will account for his income in my monthly fee, therefore we'll effectively be paying for double his health insurance? That doesn't seem right to me. Should we have his parents cancel his insurance and tell them he was on the public system? Which technically he also was because everyone is? The main reason we moved here is for the health care since I am very sick and was not receiving proper treatment in Ireland (their healthcare system is arguably similar to the congo)

 

Yes everyone who comes to Ireland is basically automatically insured by their public system. I never signed up for it. No one signs up for it. It's horrible health care and really poorly run, but there's really no "signing up" or even a way to prove you signed up. The only proof I have is a stack of medical records from my doctors in Ireland.

 

 

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I just called TK's helpline again and was once again told that I only have to pay for myself an my income and not our combined income but the guy at the office, and the form I have in front of me clearly states otherwise.

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26 minutes ago, BAFritz said:

and tell them he was on the public system? Which technically he also was because everyone is?

 

Well, yes, absolutely. Don't tell them he was privately insured, or don't mention it again. In the UK there is an NHS card which everyone has, or can get. Do his parents have something similar for him? If not, then did he have a GP? Would the GP be private, or public? If public, then 

1 hour ago, john g. said:

maybe even a letter from your GP there

  would do the trick. 

 

Really the fact he was/is privately insured is actually private information in the case of someone coming from a socialist medical system where everyone automatically is under the umbrella. Proving he was eligible for public health care is your thing, but that shouldn't be impossible. Someone somewhere should be able to say that he was entitled to public healthcare in Ireland, write it down, stamp and date it a couple of times and sign it. The more formal and letter heady the better.

 

He doesn't have to have used the public health care, just been entitled to it (along with the rest of the population, but they are not your problem!).

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27 minutes ago, BAFritz said:

The main reason we moved here is for the health care since I am very sick and was not receiving proper treatment in Ireland (their healthcare system is arguably similar to the congo)

 

If you had done your research properly, you wouldn't have moved here for health care.

 

34 minutes ago, BAFritz said:

We've been planning this move since 2010.

 

What did you plan?  What did you hope to accomplish? What have you done? 

 

Quote

We were also repeatedly told we could do nothing substantial until we arrived in Germany.  Every message board gives different advice and says different things and not all of them can be telling them truth.

 

There was quite a bit you could have done before you moved. Although it is too late now, the main question is what you've already done. Furthermore,  it is not a matter of people not telling the truth,  but rather not understanding the big picture.

 

Quote

Everyone seems to agree it's nearly impossible to navigate the bureaucracy in Germany

Then why did you move here? 

 

The first problem is health insurance.  You need public health insurance; private companies won't want you. 

 

The next problem is that there is a shortage of affordable housing in Berlin and landlords can afford to be picky. Recently arrived foreign freelancers are not at the top of most landlords lists. You might want to focus on finding a sublet where you can register.

 

 

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1 hour ago, BAFritz said:

When I originally went to sign up (at TK) I tried to just sign myself up, and leave my husband to decide if he wanted to remain on his parents plan, or possibly get his own private insurance. 

 

Everyone resident in Germany is required to have German (or BaFin-approved foreign) health insurance.

 

1 hour ago, BAFritz said:

Additionally- they charge some people 700 a month per person for insurance?! We would have to move out of Germany if they did that to us.

 

It depends on your income. How much did you each earn last year? 

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14 minutes ago, BAFritz said:

Yes we did prepare ourselves, we saved and prepared for years before moving. We've been planning this move since 2010. I really don't appreciate the snideness of your comment.

 

The comment wasn't snide, rather surprised. Because the years-long planning and preparation you are talking about now, weren't visible. And to be honest, to me they are still somewhere in the mist...

 

14 minutes ago, BAFritz said:

 

We are being told different things by many different people, including different things within the same health insurance company depending on who we speak to- hence our confusion. We were also repeatedly told we could do nothing substantial until we arrived in Germany.

 

Well you could have learned how the german systems work, public vs. private insurance e.g. You also could have contacted a professional adviser. Before moving.

 

14 minutes ago, BAFritz said:

 Every message board gives different advice and says different things and not all of them can be telling them truth.

 

Then do you think it's a good idea to look for answers in just another message board? How do you know that we tell the truth? 

 

14 minutes ago, BAFritz said:

 

Everyone seems to agree it's nearly impossible to navigate the bureaucracy in Germany,

 

It might not be easy but it's not impossible and it's not nearly impossible - hundred thousands manage it every year. Some better, some worse.

 

14 minutes ago, BAFritz said:

so I'm not sure why you assumed we haphazardly decided to move to Berlin a whim with no money and no plan.

 

Because your plans may be known to youse – they are unknown to us, you know?

 

Quote

So let me get this straight, because his parents had him added on their private family plan in Ireland (which he never asked them to do or used it) he'll have to sign up for private insurance here,

 

If he was only privately insured in Ireland (regardless who did it and why, that's irrelevant): yes. Public german health insurance THEN would not take him. 

 

Just now, BAFritz said:

 

AND when I sign up for public they will account for his income in my monthly fee, therefore we'll effectively be paying for double his health insurance?

 

No. You pay yours and he pays his – and the basis for the premiums is your income. You have no choice, you'll need public health insurance. No private would take you with an already existing illness. And I don't know, if moving to germany was really a good idea under that circumstances.

 

Just now, BAFritz said:

 

That doesn't seem right to me. Should we have his parents cancel his insurance and tell them he was on the public system?

 

If he was on the public system, then yes. If not, not. Since not telling the truth would be no solution, john g. already told you that the public insurance wants proof, not just words and good faith.

 

Just now, BAFritz said:

 

Which technically he also was because everyone is?

 

Was he? We can't know! Ask him. Or his parents ...

 

Just now, BAFritz said:

 

The main reason we moved here is for the health care since I am very sick and was not receiving proper treatment in Ireland (their healthcare system is arguably similar to the congo)

 

German healthcare in general is probably a plus (although we had a great complainer some days ago) - but it is costly also. It's a two-sided coin. 

 

Just now, BAFritz said:

Yes everyone who comes to Ireland is basically automatically insured by their public system. I never signed up for it. No one signs up for it.

 

Ok, this is you now. Because you came to Ireland from the States. What about him?

 

Just now, BAFritz said:

It's horrible health care and really poorly run, but there's really no "signing up" or even a way to prove you signed up. The only proof I have is a stack of medical records from my doctors in Ireland.

 

Better than nothing. As John already wrote: "it is up to German public insurance companies to contact the public insurer in the home country of the applying member"

 

If you consider professional help now instead of just people from a message board, you should consider John G. and Starshollow - both are reputable members of this forum AND experts in insurances esp. for expats. 

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8 minutes ago, someonesdaughter said:

Was he? We can't know! Ask him. Or his parents ..

 

Don't make it worse for goodness sake.

2 hours ago, BAFritz said:

I have been living with my Irish husband in Dublin

So yes, we do know. He is on the National Health along with all of his countrymen.

 

Find out about socialist healthcare. Everyone is equally entitled, kind of what it says on the tin. If you live there legally (or illegally, most of the time) then you get to play, and the tax payer will pay. If your country is broke, or has other priorities, then it's a bit crap. They won't refuse to treat you, but there may be a waiting list so long you die whilst on it, or you may get a cheaper 'alternative' treatment.

 

 

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26 minutes ago, engelchen said:

What did you plan?  What did you hope to accomplish? What have you done? 

 

Then why did you move here? 

 

It depends on your income. How much did you each earn last year? 

 

Why do you think I would give that info to you?  It seems you have nothing valuable to add to my thread, other than making wrong  and harsh assumptions and judgments about my husband and I, and I will not be responding to you any further.

 

 

 

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8 minutes ago, kiplette said:

 

Don't make it worse for goodness sake.

So yes, we do know. He is on the National Health along with all of his countrymen.

 

Find out about socialist healthcare.

 

I'd do so if I'd decide to migrate to Ireland. Maybe when that Irish Socialist Republic gets established. ;) 

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Just now, BAFritz said:

 

Why do you think I would give that info to you? 

 

Jeez, you don't need to give that info to engelchen or anyone of us. But don't expect to get useful answers without providing info, ok?

 

Just now, BAFritz said:

 

It seems you have nothing valuable to add to my thread, other than making wrong  and harsh assumptions

 

Do yourself a favor: Go to bed. Sleep. Try again tomorrow. Or get professional help. Pay someone to sort out your problems.

 

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19 minutes ago, someonesdaughter said:

Do yourself a favor: Go to bed. Sleep. Try again tomorrow. Or get professional help. Pay someone to sort out your problems.

 

 

 

Exactly. Get a professional. John G. and Starshollow are respected members here, and independent insurance brokers.

They have sorted out much bigger messes. ;)

Also, get registered asap, even if it's just a sublet. The fines for not registering are ugly.

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49 minutes ago, BAFritz said:

 

Why do you think I would give that info to you?  It seems you have nothing valuable to add to my thread, other than making wrong  and harsh assumptions and judgments about my husband and I, and I will not be responding to you any further.

 

 

You are the one asking for help, don't answer if you don't want to. I have no idea what you've researched in the past 6 years, but you seem completely clueless. 

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Engelchen is one of the most knowledgeable and helpful members on TT for expat problems.  This is an advisor you can't afford to brush off with foolish insults.

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1 hour ago, BAFritz said:

 

Why do you think I would give that info to you?  It seems you have nothing valuable to add to my thread, other than making wrong  and harsh assumptions and judgments about my husband and I, and I will not be responding to you any further.

 

 

 

Engelchen is one of the most knowledgeable and helpful members on TT for expat problems.  This is an advisor you can't afford to brush off with foolish insults.

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1 hour ago, BAFritz said:

 

Why do you think I would give that info to you?  It seems you have nothing valuable to add to my thread, other than making wrong  and harsh assumptions and judgments about my husband and I, and I will not be responding to you any further.

 

 

 

 

Don't be a fool. While he/she may not mince words, engelchen is one of the most knowledgeable/helpful posters on this board, especially related to Berlin. I'm a new freelancer in Berlin, too. The vast majority fail. I may, too. Getting pissy at everyone who informs you of how hard it is as a freelancer here does you no favors, though. It's a hard go, that's a fact; it's super expensive and not at all lucrative. Use the experience and knowledge of the forum members instead of getting offended.

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23 minutes ago, engelchen said:

 

You are the one asking for help, don't answer if you don't want to. I have no idea what you've researched in the past 6 years, but you seem completely clueless. 

We're not completely clueless, we were more than well aware that it was going to be difficult getting established here. I'm here simply asking what order/the best way to go about things are, I don't need to give you or anyone else my yearly salary or write you a paragraph on all of the research my husband and I have conducted before moving here. Why would you need that info? Other than to try and establish my husband and I aren't a pair of irresponsible crusties moving here with no money, no plan, and a flea infested dog like we've seen a lot of since we got here.. which you seemed to assume right off the bat.

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