German Health Insurance for pre-existing condition

30 posts in this topic

50 minutes ago, john g. said:

Up to  c. 800 euros per person to start with (OUCH) and then: German insurance companies fight tooth and nail to reject applications - someone  would need paid assistance by a specialised Versicherungsberater or even a specialised immigration lawyer in some cases.

 

On the other hand compare that with the cost of triple bypass heart surgery for an uninsured American.

 

I can actually think of many scenarios where the Basistarif would be cheaper than the cost of treatment (which is also why the insurance companies don't want these clients).

 

 

 

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2 hours ago, PandaMunich said:

 

Or maybe you're not self-employed but a Beamtin...

For Beamten (= civil servants) there is a Kontrahierungszwang, i.e. the private health insurance has to accept you: https://beamten-infoportal.de/versicherungen/lexikon/kontrahierungszwang/

 

For all other groups, there is no obligation for a private health insurance to enter into a contract with you (= Kontrahierungszwang), see point 5 in here: http://wirtschaftslexikon.gabler.de/Definition/kontrahierungszwang.html

And since they are not allowed to throw anyone out when they stop paying, all the while still having to cover their medical costs, German private health insurances are naturally very, very picky in choosing who they accept.

Being a foreigner with no financial record in Germany (= Schufa) makes getting that much harder...

 

Nope. Not employed by the gov't. I've been self-employed for most of my time here. I really have never experienced the difficulty that seems to plague a lot of TT posters. I even had Care Concept for 4 years without so much as a raised eyebrow from the AB, but you guys sure did manage to terrify me for a long time with the doom and gloom schtick. Maybe I just lead a charmed life.:D

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Hello! Newbie here. 

Here is the background:

I got an offer to Munich, currently me and my family lives in Austria. My wife is 5 months pregnant and will be delivering our 2nd baby by Spring 2019. We plan to move in munich around march/april 2019. My questions:

1. Delivering the baby, will the costs covered by the statutory insurance? I plan to avail the family insurance. This is actually my main concern. Is this considered like a “pre existing”?

 

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Hello, tokwatbaboy! If you are coming as an employee, then you can enter public health insurance and your wife, current child and future child will be insured nicely together with you- no worries. I assume (may I?) your wife has no income from any worldwide sources? If so, that would be a problem but I hope that is not the case. 

Pregnancy is NOT considered a pre-existing medical condition - no worries!!!

Good luck!

I am a professional independent insurance broker and authorised advertiser. Contact me.
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10 hours ago, john g. said:

Hello, tokwatbaboy! If you are coming as an employee, then you can enter public health insurance and your wife, current child and future child will be insured nicely together with you- no worries. I assume (may I?) your wife has no income from any worldwide sources? If so, that would be a problem but I hope that is not the case. 

Pregnancy is NOT considered a pre-existing medical condition - no worries!!!

Good luck!

Thank you for feedback. Unfortunately, my wife has no income. She was a full-time mommy taking care of our son.

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So all is well and your wife can be co-insured with you at no extra cost and including pregnancy/maternity!

I am a professional independent insurance broker and authorised advertiser. Contact me.
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On 12/18/2018, 5:16:16, john g. said:

So all is well and your wife can be co-insured with you at no extra cost and including pregnancy/maternity!

I am a professional independent insurance broker and authorised advertiser. Contact me.

Thank you!

Another question though: Is there a chance to be ineligible for the Elterngeld?

Also, the proposed timing of our move to Munich is quite tight with respect to the scheduled baby delivery:

March 2019 - moved to munich

May 2019 - expected delivery of baby

 

I was wondering if there would be some complications with respect to the insurance and eltergeld because of the timing?

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Hello tokwatbaboy: no complications with respect to the insurance. Elterngeld? Not my area. 

How much help will your company offer you to get publicly health insured? That is a KEY question.

I am a professional independent insurance broker and authorised advertiser. Contact me.
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Hello again. What is the percentage that my wife will not be co-insured? How long does it take to co-insure my family? Since I will be coming as employed, does this means they are co-insured automatically?

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Hello again, tokwatbaboy! If you are publicly health insured and your wife has no income, she and your future child will be co-insured with you straight away. Check with your employer if they will help with the public insurance application for you all- if not, contact an insurance broker on Toytown to help you.

I am a professional independent insurance broker and authorised advertiser. Contact me.
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