In Germany, health insurance is mandatory for everyone. But which insurance best suits your individual needs? Due to the complex German health insurance system, it is difficult for many people to keep track of it all. That’s why, in this article, we’d like to give you 10 helpful tips for choosing a safe and comprehensive health insurance plan that’s best for you.
Choosing the right health insurance is a long-term, important process that depends on many factors. The reason for the insurance, the desired scope of insurance or even the individual budget are just some of the factors that play a role in the decision. With our tips, you will learn which aspects are particularly important when choosing a health insurance and what you should look out for.
Below we cover key questions, such as e.g. whether private or statutory insurance is best suited to your needs and what options there are for co-payments and deductibles. Let’s take a look together at the top tips for finding health insurance that best supports your health and well-being.
Overview of the different types of insurance
When it comes to health insurance, there are many different types of insurance available. Which insurance is the best fit for you depends on many factors. One option is the statutory health insurance (GKV), which is mandatory for most people in Germany. If you have higher demands or would like additional benefits, you can take out private health insurance (PKV).
Another option is supplementary health insurance, which supplements individual benefits and thus closes gaps in statutory or private health insurance. A travel health insurance can also be useful if you travel abroad a lot.
In addition to health insurance, there are other insurances related to health and preventive care. For example, there is occupational disability insurance, which provides financial protection in the event of health impairments, or long-term care insurance, which takes effect in the event of a need for care.
If you are unsure which insurance is best for you, you can get advice from an independent insurance broker. In any case, it is worthwhile to compare the different types of insurance carefully and to weigh up which benefits you really need.