If you want to work in Germany as an Au Pair, you must have health insurance for the entire duration of your stay. In fact, the German health care system requires all residents in Germany to be insured either with a public or private health insurance company. You will not be able to receive your German Residence Permit (which allows you to legally stay in Germany) without adequate health insurance.
The Germany health insurance requirements for Au Pairs depend on nationality: namely, whether you are an EU/EEA or non-EU/EEA national.
Why Should You Purchase Health Insurance for Au Pairs in Germany?
Health care in Germany is known as one of the best in the world. But, if not insured, the medical bills can rack up high numbers, which are unaffordable, especially for third-country nationals. So, for the peace of mind of everyone involved, it is better to purchase a comprehensive health insurance plan, and the experience will be more enjoyable for both the Au Pair and the host.
What Should Au Pair Health Insurance in Germany Include?
When purchasing a health insurance plan for Au Pairs in Germany, you need one that includes coverage for at least the following:
- Inpatient medical treatment and hospitalization.
- Out-patient medical treatment.
- The cost of prescription medication, dressing material, and medical appliances.
- Emergency medical services (ambulance and ER).
- Transportation to your home country if you are ill or have an accident.
- Basic dental treatment.
- Repatriation or burial costs (in case of death).
- 24-hour emergency service.
However, with private health insurance, you can purchase as much coverage as needed, but it will naturally cost more. For example, you can get coverage for:
- Extended hospital services, including in private hospitals.
- Clinical surgery.
- Dental surgeries or bridges.
- For eyeglasses and contact lenses.
In addition to health insurance, there are plans that also offer the following types of coverage:
- Travel Accident Insurance.
- Travel Liability Insurance.
- Travel Baggage Insurance.
Keep in mind that private health insurance companies in Germany do not always cover pregnancy and barely never for pre-existing conditions.
Where To Get Health Insurance for Au Pairs in Germany?
Since Au Pairs need private health insurance, there countless health insurance plans which you can purchase online, specifically designed for the needs of Au Pairs. You can find affordable Au Pair health insurance plans listed below:
Which one of these plans is the best for Au Pairs?
AU-PAIR24 is a health insurance plan developed by DR Walter for foreign Au Pairs in Germany and Europe. Here’s why you should choose the AU-PAIR24:
- It meets all requirements.
- Was developed specifically for host families in Germany.
- Offers comprehensive protection.
- Can be purchased quickly and easily online.
PROTRIP-WORLD is directed to young people up to age 39 from Germany who want to participate in an exchange program abroad. If you are planning to go abroad to engange in the following activities should purchase the PROTRIP-WORLD insurance plan:
- Au pair.
- High school student.
- Work and Travel participant.
- Language and exchange student.
- Student and doctoral student.
With PROTRIP-WORLD you can choose between pure international health insurance or an insurance package consisting of international health insurance, liability, accident, luggage and assistance insurance.
Au Pair Health Insurance in Germany: Public or Private?
As an Au Pair in Germany, you cannot register with the public/statutory health insurance scheme. Instead, your host family must purchase private health insurance for you.
It is true that most of the legal residents and citizens in Germany have to be insured in the public health insurance system. But, an Au Pair visa is not technically an immigrant visa, which means you do not count as an actual resident of Germany, and cannot benefit from the public health insurance scheme.
However, the good thing about private health insurance is that it can be customized to the needs of the applicant, and can sometimes include more coverage than public health insurance plans.
Dr. Walter offers affordable health insurance coverage plans for Au Pairs in Germany. We recommend you check out the AU-PAIR24 or PROTRIP-WORLD if you’re still having doubts about choosing the best plan!
Au Pair Health Insurance in Germany for non-EU/EEA Nationals
If you are not from an EU/EEA State, then as an Au Pair, you must have private health insurance in Germany. According to the Federal Employment Office (Bundesagentur für Arbeit), it is your host who must purchase an adequate health insurance plan for you and cover the costs of your premiums and contributions.
Moreover, as a non-EU/EEA national, you must apply for an Au Pair Visa for Germany from your country of residence. You need to have proof of health insurance in Germany at the time of application, which means your employer has to purchase health insurance on your behalf before you arrive in Germany.
Keep in mind: The exact rules for Germany visa application change depending on your country, so make sure you contact the German Embassy/Consulate or the Au Pair agency through which you are applying for more information on this matter. In some cases, Germany travel health insurance is sufficient for visa application, as long as you register for long-term insurance once you arrive in Germany (before you get the residence permit).
Au Pair Health Insurance in Germany for EU/EEA Nationals
If you are from an EU/EEA State, and want to work as an Au Pair in Germany, then you can use your European Health Insurance Card (EHIC) to benefit from German public health insurance. You must apply for the EHIC from your home country.
But please note that the EHIC is not a complete substitute for health insurance. What it basically means is that you will enjoy the same rights as German residents in terms of health insurance, not that you will receive free health care. So, if German citizens who are statutorily insured have to pay for a medical service, you will too.
You will not have coverage for medical treatment in a private hospital or medical facility. What public/statutory health insurance in Germany includes is:
- In-patient hospital care.
- Out-patient care.
- Regular medical check-ups.
- The cost of prescribed medications.
- Basic dental care.
- Pregnancy treatment.
- Emergency services (ambulance)
Make sure you understand the exact medical coverage you will receive from your EHIC in Germany before deciding on whether you want additional coverage from a private health insurance company or not. Many German residents who are privy to statutory health insurance purchase a supplemental private health insurance plan so they can enjoy more benefits.