Health insurance for unemployed/returnees

263 posts in this topic

There is an additional issue, Dave. Your income from anywhere...could be dividends, income from renting out a place..not only from work. Make sure it isn´t over 385 euros a month.

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Thanks John G. We are planning to rent out our house in Australia, so that will need to be considered. Would the net rent (after deduction of interest on the mortgage) or gross be counted? Also, would only half of the rent be counted as mine, since the house is held jointly with my wife, or would it be the full amount?

 

Cheers,

Dave.

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usually gross income will be counted...

 

Cheerio

I am a professional independent insurance broker, financial adviser, and authorised advertiser. Contact me.
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We are planning to rent out our house in Australia, so that will need to be considered. Would the net rent (after deduction of interest on the mortgage) or gross be counted? Also, would only half of the rent be counted as mine, since the house is held jointly with my wife, or would it be the full amount?

 

Taxable income counts, i.e. after deducting mortgage interest and after depreciation, but before income tax.

In my opinion, only your half would count.

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Thanks again everyone. If the 385 euro threshold is for taxable income then I might be able to qualify. If I am over the threshold because of the rental income but not working (either employed or self-employed) would that mean that I am not eligible for public health insurance at all, or just that I would not be covered by my wife's insurance?

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As far as I know, it just means that you won't be covered for free by your wife's policy.

 

If you read from post 95 to 100 in Int'l Health Insurance in Germany, some are legal!, you can see that though you do seem to have a right to get into public health insurance as a voluntary member (and pay at least 150€ a month), the problem seems to be that most public health insurers try to wriggle out of taking such customers, and that you need someone to strong-arm them into taking you.

Looks like the going rate for strong-arming is 250€.

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Hmm.... From some of the other threads that I have been reading over the last few days it appears that I would not be eligible for voluntary membership in my own right since I have not been publicly insured in an EU country recently. That means I will need to either be covered by my wife's insurance, be employed for at least a short period of time, or get private/international insurance. I may need to get in touch with an insurance broker when we get closer to moving.

 

Thanks again everyone, you have been very helpful.

 

Dave.

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Hi,

 

I would like to know if I can get voluntary public health insurance if

- I am citizen of EU country

- I have public insurance in my country

- I am coming to stay in Germany for 8-12 months (I'll be helping my sister with her children)

- I am not going to look for work

- I never worked and I never had health insurance in Germany before

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Hi guys,

 

I too have a question (or two) about this crazy health insurance thing. I've just arrived in Berlin 2 weeks ago and was hoping to stay permanently, or at least for the near future. I'm from New Zealand and this is my first time leaving, so am rather overwhelmed by all these systems! :huh:

 

In NZ we have a different insurance scheme that we don't pay individually for unless you are self-employed, and even then if you are up to date with payments etc it seems to be unrelated to whether you can get treatment.. so basically, I have never been privately insured at home, nor did I take out travel insurance - possibly unwise, but I saw it as a "move" and not so much "travel" and for some reason (probably because I have never travelled) assumed it would just be like NZ where I could rock up and join the system here… I'm an EU citizen (Holland) even though I have never lived in the EU.

 

If I am able to find a full-time job, will I be able to get the Public Health Insurance? What happens if I only find a part-time job instead?

 

If I register now and there is a gap between registering and finding a job (in case it takes a month or two) will I need to backpay something for this period? (it seems to have been mentioned in other threads). But it also seems I am supposed to register sooner rather than later? Even the registering thing is foreign to me :blink:

 

As I am currently unemployed here, am I able to join and pay for the Public Insurance? Is it a problem that I am technically self-employed in NZ - as in I run a business that runs at a loss or breaks even - I've seen the term "freelancer" thrown around a bit on the forum like it is a problem…

 

I've been feeling unwell in the last few days and would like to go see a doctor, which has really brought this issue to the forefront of my list of things to do - is it even possible to go without insurance?

 

If anyone knows any of these answers I would be immensely grateful, and apologies for my naiiveness at the system!!!

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If anyone knows any of these answers I would be immensely grateful, and apologies for my naiiveness at the system!!!

 

Read this

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Since you've never been publicly health insured in the EU, you are not eligible for voluntary public health insurance. Contaxt John.g or Starshollow for a quote for private (or BaFin-approved foreign) health insurance.

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In order to qualify for public insurance you´d have to be employed with a salary of more than EUR 450 (and less than fourthousandsomething). Maybe you can find such a (part-time) job at least for a short period of time?

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Thanks guys! Yes hopefully I can find a job soon… In the meantime I guess I just have to pay a fortune at the doctor :-\

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Doctors are not very expensive here. It depends of course on what you need done, but a standard checkup/prescription likely won't set you back more than 25 euros.

 

If you need to go to hospital for a week though, that's when things get expensive.

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Evening, Squirrelface! ( did your mum give you that name? :) )I like it anyway!

Hey, Engelchen and jeba are right - get a job earning at least 450.01 euros a month and public insurance is there. Yes, it´s anal here, so to speak, you may be faced with backpayments once you´ve registered and not insured. Yep, the registration thing is weird ( or was..been here nearly 25 years ).

Get yourself a legally acceptable international insurance for starters - you can always switch if you become an employee- NO chance of public or fully comprehensive private German insurance in your case. Don´t mess around, man. 3 months in hospital (accident? ) equals financial stress. Maybe 500-1000 or more euros per day? You never know...hope not but...I broke a bone in my right wrist last year..specialist x-ray was over 300 euros...the system...

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Hi,

 

First, thank you to all the amazing people who have been posting about this. Just to see the responses helps the "figuring out health insurance" headache.

 

I'm pretty sure I fall under the "§5 Absatz 1 Nr. 13 SGB V." rule for health insurance. I'm German, just moved for the first time to Germany from the USA, living on mostly savings, registered as self-employed AG II while I start my own business, so self-employed but was never self-employed before I moved here.

 

TK has denied me insurance. When I mentioned the Absatz, they told me to meet with them at one of their offices.

 

Hopefully the meeting goes well, but one thing they mentioned on the phone was that since "the USA has no public health insurance", they cannot insure me.

 

I'm 25 and I have been covered under my family's insurance in the USA. Public insurance programs in the US are relatively new, and I was already covered, so I hadn't thought about this.

 

Is this a reason for me to be denied insurance?

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Hi there,

 

See above, the article is not working for me when I mention it. I'm looking to hire an insurance lawyer, please pm if you can recommend someone. Thanks!

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Hi,

 

First, thank you to all the amazing people who have been posting about this. Just to see the responses helps the "figuring out health insurance" headache.

 

I'm pretty sure I fall under the "§5 Absatz 1 Nr. 13 SGB V." rule for health insurance. I'm German, just moved for the first time to Germany from the USA, living on mostly savings, registered as self-employed AG II while I start my own business, so self-employed but was never self-employed before I moved here.

 

TK has denied me insurance. When I mentioned the Absatz, they told me to meet with them at one of their offices.

 

Hopefully the meeting goes well, but one thing they mentioned on the phone was that since "the USA has no public health insurance", they cannot insure me.

 

I'm 25 and I have been covered under my family's insurance in the USA. Public insurance programs in the US are relatively new, and I was already covered, so I hadn't thought about this.

 

Is this a reason for me to be denied insurance?

 

In your above text I see a major problem where you may have involuntarily given away your chance to enter the public healthinsurance. At that is that you are registered as self-employed, as you say above. Now, any self-employed person in my legal opinion cannot enjoy the "last-resort" legal loophole of the Section 5 Subsection 1 No. 13. Because as a self-employed you are clearly exempted from public insurance coverage unless you can show proof of prior coverage in either German or EU-memberstates public insurance for the last 12 months or 24 months out of the last 5 years. That his is a requirement no-one coming over from the US can fulfill and thus does not make sense is neither here nor there... it is what it is.

 

If TK have it in writing that you are legally self-employed, they can't but reject your application. All you can then do is

1) either go to a different public insurance provider and conveniently "forget" to disclose the fact that you are self-employed while simply stating that you are currently and until further notice living on your savings or

2) get employment with compulsory public insurance for at least one months somewhere..after which time you are eligible to continue the public health insurance as a volunary member (self-employed) in your own right

 

Cheerio

I am a professional independent insurance broker, financial adviser, and authorised advertiser. Contact me.
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Hi All,

 

I've seen some very good advice above, I wonder if anyone can help me.

 

My husband moved from Ireland to Germany in 2011 and our son and I followed a year later. In the three years since, I've been studying and not working and our son hasn't worked either. We've both been insured through my husband's public insurance. However, our son will be 23 soon and so won't be covered.

 

The complication is our son is autistic. However, he does have many talents and we hoped he could learn german and get some kind of Ausbildung. This hasn't happened as he has struggled with the language (several intensive courses later), so we're at a bit of a dead end with him at the moment. We approached the Arbeitsamt but they basically told him to go away until he learnt more german.

 

I presume that since he has been in the system for 3 years we can still get public insurance for him, but would he qualify for the miinimum of around €150 per month? Even at that it would prove costly in the long term if we can't find him work that pays over €450 per month.

 

If he was to be registered as disabled, would he be still covered under my husband's insurance? I've no idea how this can be done however.

 

I would be glad of any advice offered! Many thanks!

 

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A child that is unable to work because of physical or mental disability is insured under the parents without age limit in the gesetzliche Krankenkassen.  You might have to prove this as well if he hasn't already been determined to be Erwerbsunfähig

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