Every person who lives in Germany is obliged to register with a health insurance company (Anmeldung). And every person who has a meldunek is obliged to have health insurance!
The health insurance system in Germany is quite extensive, but the basic and most important issue is the two types of health insurance:
- State insurance (Gesetzliche Krankenversicherung) with fixed premiums and coverage,
- Private insurance (Private Krankenversicherung) with an individually determined amount of the premium depending on, among other things, age or health condition.
The range of benefits can be very wide, but the prices of such insurance are also much higher.
Practically everyone can be insured by the state. To qualify for private insurance, you must meet the condition of income – above 62,550 euros gross per year.
VERY IMPORTANT!
Avoiding registration with a health insurance company and not paying insurance premiums is a very bad idea. A person who – even out of ignorance – has not paid his contributions will sooner or later pay his debt with a lot of interest, which will be seen by a bailiff.