Health Insurance is an insurance policy that ensures that you get cashless treatment or expense reimbursement, in case you fall ill. In this case, it is not possible to obtain health insurance from a statutory health insurer, so you will have to obtain private health insurance. If your health insurance policy from your home country is not recognised in Germany, you will have to sign up for coverage in Germany.
If consumers take care of these steps, there is no reason why consumers can’t land on an affordable health plan that could cater to the medical care needs. Since 2014, the penalties for not having health coverage have increased significantly. Similarly, if you are buying a single policy then total payable would be low in comparison to a family health plan as the latter is a comprehensive plan that includes protection for the entire family, whereas the former covers only one.
Since you don’t expect to have a lot of health care expenses, think about plans that have higher deductibles and lower premiums, such as Bronze or Silver plans. You should inquire about the details with your health insurance provider before leaving home. The Studentenwerk at numerous universities offers service packs for international students which include a room in a student hall of residence, meal tickets and health insurance coverage.
When you shop around for a health insurance plan, health insurance quotes can help narrow down your options and identify the best plan that fits your medical requirements and budget. NowCompare can also help Indonesia expats find the best maternity insurance and medical coverage so that they know they have the most suitable healthcare insurance.
By buying a health insurance policy in the conventional manner you have to pay more as distribution and processing charges get added with the premiums costs. You pay a co-pay amount of $5-$25 – depending on your policy, and the insurance company is billed for the rest.