Information about the health insurance coverage for people with pre existing conditions in Germany

As one of the most developed countries globally, Germany provides one of the best healthcare systems for its citizens. According to healthcare statistics in Germany, around 90% of the population has access to health insurance. So, if you are planning to visit or live in the country, you can rest assured knowing that access to healthcare won’t be a problem— even if you have pre-existing conditions. 

What Is Considered a Pre-Existing Condition? 

The definition of a pre-existing condition depends on the insurance provider, but it’s usually any type of medical illness or injury you received treatment for before you signed up for your insurance— usually including the following: 

  • Diabetes
  • High blood pressure 
  • Cancer 
  • Asthma 
  • Arthritis 
  • Pregnancy (in some cases)

Of course, you can get coverage for almost all of your pre-existing conditions within the German public healthcare system. However, if you opt for private insurance, you have to customize your plan according to your prior health issues depending on what you want to be covered. 

Coverage for Pre-Existing Conditions in Germany

Germany has one of the most comprehensive healthcare systems in the world, and as a result, you won’t come across any issues with getting insurance coverage for pre-existing conditions:

  • If you are visiting Germany as a tourist— you need to find German travel insurance that offers medical coverage for pre-existing conditions during your stay in the country.
  • If you’re planning to move to Germany— you must either register for the German public health care system, buy private insurance, or do a combination of both. 

Pre-Existing Conditions Insurance for Tourists in Germany 

Traveling as a tourist in Germany can be stressful if you have a pre-existing condition. You might be concerned about whether you may have a medical issue due to your health and whether you can get insurance coverage for your medical costs. If you are holidaying in Germany short-term, for up to 30 days, you can get travel insurance that offers coverage for medical issues— including pre-existing conditions. 

However, in this case, you may be required to pay extra for your German travel insurance policy to cover pre-existing conditions. Still, if you’ve experienced health problems while traveling due to your medical conditions before, you know paying a little extra for health insurance is worth it down the line. 

Note: If you are applying for a visa to visit Germany, travel insurance is mandatory for your visa application. 

Pre-Existing Conditions Insurance for Expats in Germany 

Expats who are living in Germany have several options to get coverage for their pre-existing conditions: 

  • German public healthcare system. The national health system in Germany covers pre-existing conditions for expats. Your employer will register you with a national healthcare insurance company in Germany, but you can also choose whichever company you want to sign with. Then, you receive your insurance card for medical visits. 
  • Private insurance. To obtain only private insurance in Germany, you must earn more than €64,350 per year; otherwise, you must enroll with the national healthcare system. If you wish to have private insurance, you must find a private insurance provider in Germany and register with them to receive your insurance card. 
  • Combination of both. Some expats prefer to remain enrolled in the national healthcare system and purchase private health insurance in Germany. In this case, their insurance serves more as a supplementary benefit to the state-funded healthcare scheme. 

Pre-Existing Conditions Health Insurance in Germany Costs

If you are enrolled with the German national healthcare system, you won’t be required to pay extra costs to have your pre-existing conditions covered. The payment for the national plan is usually delivered in the form of contributions from your salary, and it offers extensive coverage. 

The average cost of private health insurance in Germany goes between €400 and €700. However, in the case of private insurance, the price of your premium rises depending on what level of coverage you want, i.e., whether you want coverage for pre-existing conditions. 

Where Do I Get Health Insurance in Germany?

Germany has several public and private healthcare insurance providers which you can choose from and sign up for their services; some of the most popular providers include:

  • National healthcare providers:
    • KKH – Kaufmännische Krankenkasse
    • DAK
    • TK – Techniker Krankenkasse
  • Private healthcare providers: 
    • AXA
    • DKV
    • Allianz

What If I’m a Refugee?

Even if you are a refugee or asylum seeker in Germany, you can still access healthcare for your pre-existing conditions. Firstly, you have access to the national healthcare system when you first arrive for basic checkups free of charge, but after 15 months of staying in Germany, you will receive the same care as anyone entitled to state-funded healthcare. 

Secondly, you can get coverage by the Asylum Seekers Benefits Act (AsylbLG), which covers several medical issues— including treatment for acute illnesses. 

See more details regarding healthcare for refugees in Germany. 

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