Public health insurance Providers: which provider should I choose?

Table of Contents

Public health insurance Providers

Price

Best customer service in English

Skin cancer screenings

Pregnancy and fertility 

Mental health

Osteopathy

Travel vaccines 

Public health insurance Providers

Public health insurance Providers Outline: What’s the distinction between general medical coverage suppliers and for what reason are there such large numbers of them?

At the point when you initially begin in Germany, you need to ensure that you’re picking the right protection that will meet your requirements all through your visit (or lifetime assuming you’ve made Germany your new home), yet this can be interesting without knowing the language.

 

Here, we’ll discuss the essentials of what you really want to realize while picking a supplier.

There are 103 general medical coverage suppliers in Germany (as of the first of January 2021) that you can browse. In this article, we’ll investigate four of the most famous medical coverage suppliers in Germany. What’s more, in spite of the fact that health care coverage is directed by the public authority and the help you’ll get at every one of the four is practically indistinguishable, they’re ready to each give little features that take special care of various ways of life.

 

On the off chance that you don’t pick the right one, then, at that point, you may not be capitalizing on your public protection.

Price

By law, all public insurance providers in Germany must charge a base price for their services. For most people, this is about 14.6%, but you can use the Krankenkassen-Beitragsrechner (public insurance contribution calculator) to find out what you’d pay or visit our personal calculator on the homepage below. You’ll notice on the public insurance contribution calculator website that the amount will change depending on the provider in the drop-down menu, but these are only small differences ranging by about €10-€30.

The overall price of public insurance can differ by a few hundred euros per year depending on your income and if you have additional contributions or Zusatzbeiträge.

 

You can compare the different providers and prices on our public insurance page:

Best customer service in English

Although most public providers acknowledge the need for English documents, it might be difficult to rely on this fact when filing a claim or asking for paperwork. If you know you’re going to need time to learn German, you can sign up with health insurance through us, and we’ll translate everything for you and provide customer support in English.

If you’d rather just pick a public provider directly, then TK has the best English support by far with great customer service.

Skin cancer screenings

While cancer screenings are generally covered when a doctor recommends them, both the AOK and TK are good choices. Most public insurance providers offer free skin cancer screens every year starting from the age of 35 while AOK fully covers them from the age of 14 and TK covers them every two years starting from the age of 20.

Pregnancy and fertility 

If you’re thinking about getting pregnant, having a baby, or seeking fertility treatment, then it might be a good idea to look at DAK. While all public insurers cover a certain number of health checkups for pregnant women, DAK and AOK both give €500 for extra diagnostic tests and ultrasounds.

And while all of the insurers surveyed cover appointments with and delivery by a midwife, DAK gives up to  €500 to keep a midwife on call in the weeks leading up to the due date — significantly more than the  €200-270 provided by the other insurers.

 

If you’re having trouble conceiving, then AOK may be the best choice — if both partners are insured by AOK, then it covers 75% of the costs of artificial insemination. The other insurers cover 50% of costs.

Mental health

Mental health services can be difficult to come by in Germany. Particularly in bigger cities, there aren’t always enough psychotherapists in the public system to meet high demand. We actually wrote an article on how to find a therapist in Germany for those struggling. For publicly insured patients, it can take months to find a therapist.

We’ll be honest: overall, the public system leaves a lot to be desired when it comes to mental health services. But DAK may be the best choice in this regard.

 

DAK’s partnership with the VeoVita clinic network means that you can quickly get professional help for depression, anxiety, and burnout, receive guidance through your diagnosis, and access the necessary follow-up treatments.

This system provides quicker access to guaranteed covered mental health care than other public insurance providers, but there’s still no guarantee that therapists will work in English.

Osteopathy

According to the NHS, “osteopathy is a way of detecting, treating and preventing health problems by moving, stretching and massaging a person’s muscles and joints.”

When you visit an osteopath, you’ll learn how to manage your back pain. But, since osteopathy isn’t recognized as a “medically necessary” intervention by public health experts, many public providers cover osteopathy as an “extra.”

 

AOK Nordost outperforms the other public providers in this regard by providing up to  €180/year for osteopath visits.

Travel vaccines 

If you’re planning to travel the world (post-COVID, of course!), then you’ll probably need to get some travel vaccinations. Travel vaccinations aren’t part of the basic coverage that public providers offer.

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