Private Krankenversicherung: check eligibility
An Iranian national in Germany should establish whether statutory insurance is compulsory before choosing private cover. Compare the actual contract and confirm that it meets the insurance obligation; a cheap policy is not automatically sufficient.
Step by step
- Check status and contractClarify statutory eligibility, obtain the proposed private policy and written clarification of its cover, then arrange a continuous transition if you choose it.
Employees do not obtain a free choice of insurance merely because they prefer a private insurer. Exemption from statutory compulsory insurance follows legal rules, including the applicable annual earnings threshold. The threshold changes; have your actual employment assessed rather than using an old figure.
For people subject to the private insurance obligation, the law specifies minimum outpatient and inpatient protection and exceptions. Ask the insurer to confirm that the proposed contract meets your circumstances. Compare reimbursement, deductibles and ongoing premiums before signing; do not cancel existing cover until continuity has been clarified.
