oetg
American expat in Germany
Forum posts
23
About me
American
Registration: 18 May 2021
Private or Public Insurance for Children under 18 of USA Citizens
This is a continuation of a previous thread I initiated related to private or public health insurance in Germany, private including international non-accredited providers (which does not seem advisable), and German accredited provers, and public ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
The private German insurer replied is not able to give me the student rate under 250 Euros including USA cover. What this means however, is still not clear. If the public health insurers ultimately rejects my application, would the private German ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Once again I appreciate Beppi's opinion and I hope that my application for a public health insurer goes through. My situation is that I don't mind paying for private insurance if I think its initial costs are reasonable and increases of ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
In order to refine the "math" of how private health insurance quotations work. --As far as I can tell, the " aging" factor amounts to 1.7% per annum (as I have already mentioned). In other words, the same policy this year costs ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for your comments. This question has really stressed me out. And the point about paying for the insurance in retirement is well taken. How does it work in either private or public health insurance plans? When one "retires" so to ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
These are all good points that Beppi makes. Market value of property is of course relative to the time one sells. I actually should have said that the compulsory prices one pays is about half the expected market value one could expect to sell it for ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for the recent comments of Beppi. I would have to remark that increases in health care costs in the last few years alone, are not the same thing as increases in health insurance premiums. I assume that health insurers look at the long-term ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
In fact I managed to discuss the historical rates of increase with the representative an accredited private German health care insurer, whom I assume would be on the list Beppi sent me. I believe this is one of the more creditable private health ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for the comments on this post. Regarding annual cost increases for health insurance, whether private or public, and whether German-accredited private insurance or non-accredited private insurance for someone temporarily in Germany. I think ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Here is hopefully a footnote on this matter. My wife submitted an application for KKH public health insurance which I would recommend for anyone who is self-employed with a registered firm in Germany, again up to 4,400 Euros family monthly income ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks again for your suggestions! I especially appreciated Beppi's suggestion to request a written confirmation of the refusal of health insurance. In fact it turns out, that as my wife just turned 55, it is possible after all to postdate the ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for your reply. The term German statutory health cover which you used, gesetzliche Krankenkasse, refers to public health insurance rather than private health insurance (Private Krankenversicherung). I did receive another quote of 477 Euros ... Read More
Health Insurance
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ... Read More