Health Insurance in Germany, this is how it works!

German health insurance is characterized by a dual system consisting of statutory health insurance and private health insurance. Most people are insured through a statutory health insurance.

Statutory health insurance contributions are calculated based on your income.

For salaried employees, that earn a maximum of 5.775,00 Euro a month this is he right choice.

Private Health insurances are only accepting people, that earn more than 5.775,00 a month or if they are self employed.

The contribution rates are being calculated based on your income as a combination of the standard statutory contribution rate of 14,6% and the additional individual contribution rate of 1,65%. The contributions are shared 50/50 between employer and employee. As an employee you only pay 8,125%. This means, that people with a higher income pay more for health coverage than people with lower income. Family members with no income may be able to get coverage with no additional cost by being insured through the paying family member.

Your insurance with BIG includes a wide range of benefits

You will receive an insurance card from BIG. Most services and treatments are directly taken care off by using your insurance card. Simply provide your doctor your insurance card at your next visit.

After your examination, your doctor will suggest the appropriate treatment or therapy for you. You may get charged a co-payment for some treatments and medications.