How to Sign up for Private Insurance?
Here are the steps to sign up for private health insurance in Germany:
- Check eligibility: Ensure that you meet the criteria, such as being self-employed, a high-income earner, a civil servant, or in specific professional groups.
- Research and compare providers: Look into different insurers like Dr. Walter or Feather Insurance. Compare their coverage, benefits, premiums, and services.
- Request quotes: Contact chosen providers for personalized quotes. Provide accurate details like age, health history, and desired coverage.
- Complete the application: Fill out the insurer’s application form. Submit required documents such as ID and proof of income.
- Undergo health assessment: Some insurers may require a health assessment, like a medical questionnaire or exam, to check for pre-existing conditions.
- Policy approval and commencement: If approved, the insurer will issue a policy detailing coverage, premiums, and terms. Review it carefully.
- Cancel previous insurance (if applicable): Inform your previous insurer, follow cancellation rules, and give proper notice to end coverage.
What Does Private Insurance Cover?
Private health insurance (Private Krankenversicherung or PKV) in Germany generally covers the following:
- Inpatient care: This includes expenses related to hospital stays, such as accommodation, treatment, surgeries, and specialist consultations.
- Outpatient care: Coverage includes visits to doctors, specialists, and outpatient treatments like laboratory tests, X-rays, and medical procedures outside of hospitals.
- Medications and prescriptions: Private insurance often covers prescribed medications, both brand-name and generic drugs, with policy-specific limits and conditions.
- Dental care: Many plans offer coverage for dental treatments, including routine check-ups, cleanings, fillings, and more extensive dental procedures.
- Vision care: Private insurance may cover costs related to vision care, such as eye examinations, prescription glasses or contact lenses, and sometimes even laser eye surgery.
FOR MORE CLICK ON NEXT…!!!
