Whether you are moving to Hamburg to study, work, or search for jobs ─ everybody in Germany is required by law to have health insurance. Without adequate coverage, you won’t be able to get a residence permit, enroll in university or start your job. The two types available are the statutory and private health insurance systems ─ which one applies to you depends on your employment status, gross salary and age.
Statutory Health Insurance
The vast majority of the people in Germany are ensured via the statutory health insurance system (Gesetzliche Krankenversicherung) ─ a network of around 150 insurers (Krankenkassen). The premium for employees is between 14.9% and 16.3% of their monthly salary, evenly split between employer and employee. Students pay a special student rate of around €80 per month.
- Employees with a gross monthly salary over €450
- Employees with a gross yearly salary under €59.400
- Job-seekers from EU-countries.
- Students under 30 years of age.
- Students from EU countries need official approval from a statutory insurer to keep the health insurance from their home country.
- Self-employed people who were publicly insured in an EU-country before coming to Germany.
Private Health Insurance
Only a small percentage of the people living in Germany are ensured via private health insurance. Coverage is usually more extensive than the statutory health insurance. Rates are based on risk evaluation and, in the case of employment, are evenly split between employees and employers. Special, reduced rates apply for students. After choosing private insurance, it will be difficult to enter into the statutory health system in the future.
- Employees with a gross yearly salary over €59.400
- Job-seekers from outside the EU.
- Self-employed persons who were not publicly insured in an EU-country before coming to Germany.