Health insurance for Foreign nationals in Germany
Basically, in Germany exists a compulsory insurance in the health and nursing care. Any person who has a permanent residence permit in Germany is committed to insure in a public health or a private health insurance. These two health insurance plans are exactly the same way as the residence permit applied for an indefinite period. If, for example, there is a compulsory insurance because of a contract of employment, the person has to be insured with a statutory health insurance.
People who are living only temporarily in Germany and have a temporary residence permit, can insure themselves as part of a foreign health insurance. The foreign health insurance is a temporary insurance cover and not suitable to replace the statutory health insurance. By law a maximum contract term of no more than 60 months (taking into account similar contracts with other insurers) is allowed for this type of protection. The insurance coverage of MAWISTA Expatcare tariffs corresponds to the coverage of the statutory health insurance, but the insurance does not equal. The contribution determination is, for example, regardless of income.
If the residence permit while staying in Germany is changing from a temporary to a permanent residence permit (habitual residence then Germany) the insurance contract needs to be terminated. Let us know if your residence changes and try out in a timely fashion other insurance protection.
Scope of tariffs *:
The insurance covers acute and unexpected medical care. The insurance covers the outpatient treatment including medications required for treatment. A hospital stay is covered. For the reimbursement of the costs of pregnancy and childbirth, dental treatment waiting periods have been agreed.
Insurance does not cover, for example, the cost of pre-existing diseases and ailments.
Coverage is provided in Germany. For holiday or work-related interruptions to the insured stay in Germany, worldwide insurance protection is provided for up to three months per insurance year. Exception US/Canada – there is coverage for holiday or business visits for max 42 days per insurance year. For longer stays in USA/Canada it will be necessary to extend the coverage for this region.
* legally binding are the conditions of the temporary health insurance after MAWISTA Expatcare for long-term travel and the respective associated tariffs (tables).
In case of illness:
You will receive an invoice from the treating physician. For medicine the doctor gives you a prescription, the pharmacy will confirm on the prescription then the price of the medicine. Medical bills and recipe muste be sent in original and quoting your contract number to the insurer for reimbursement. The processing time is usually 10 working days. Upon receipt of the refund amount please pay the medical bill directly to the doctor.
If you are admitted as an inpatient in the hospital, please notify the insurer immediately. The insurer then clarifies the assumption of the costs directly with the hospital. On request, your family member(s) in your home country will be informed.
Periodically people with a temporary residence permit in Germany need to renew their residence permit. The foreigners department has to consider if there is an “adequate health insurance protection” is purchased and valid for your whole stay. For this purpose you will automatically receive with the insurance documents an “confirmation for submission to authorities”. The insurance coverage “MAWISTA Expatcare” is recognized by the immigration authorities, as long as it is still a temporary stay in Germany of up to maximum 60 months. To get information on the exact scope of the necessary health insurance coverage, please directly contact your foreigners’ registration office in charge. You can ask for the mandatory confirmation in advance, so you can send it to us and we will be delighted to fill it out for you.
Duration of the contracts:
In the online application, you decide how long (1-60 months) you would apply for your insurance contract. Note the following:
The insurance coverage is not automatically renewed. The insurance coverage ends at the end of the insurance period you have chosen. An extension is possible by request (consider maximum contract duration) prior to the expiration of the original contract period. Such an extension application may be rejected by the insurer. Therefore we always recommend to apply for the maximum insurance period right at the beginning. A termination of the insurance contract is possible at any time to the end of the actual month.
The maximum admission age is limited in all tariffs to 75 years.
All tariffs can be ordered conveniently online. A German delivery address is required. Immediately after conclusion you will receive a request confirmation email.
On working days you usually will receive the contract documents on the same day. They will be sent as a PDF file to the specified email address. The documents include: Insurance policy, submission confirmation for authorities and the legally binding terms of insurance.
If you need any advice or just have questions about our tariffs, please call us. Outside office hours, please send us a short email. We wish you a pleasant stay in Germany.