[vc_row css=”.vc_custom_1453489519403{margin-bottom: 0px !important;padding-bottom: 0px !important;}”][vc_column width=”1/4″][ultimate_heading main_heading=”ASEIG health insurance group plan” alignment=”left” main_heading_style=”font-weight:bold;” main_heading_font_size=”desktop:24px;” sub_heading_style=”font-style:italic;” sub_heading_font_size=”desktop:16px;” main_heading_margin=”margin-top:100px;” sub_heading_margin=”margin-bottom:30px;”]a unique option for ASEIG members only[/ultimate_heading][vc_column_text]Self-employed persons coming to Germany often face the puzzling conundrum that German law requires them to have legally compliant health insurance as a resident in Germany – but then no German insurance provider wants to accept them.
While expats moving from another EU member state at least have the option to join the German public health insurance as a voluntary member (though this is often considered to be quite expensive by some), expats moving to Germany from outside the EU usually do not have that privilege. Which then only leaves German private health insurance as a legally compliant alternative, or one of the very few international health insurance policies that are actually fully compliant under German law.
German private health insurance providers will often not accept applications from self-employed persons moving to Germany because they cannot cancel such an insurance contract if you, as the new client, fail to pay the premiums… while being forced to maintain emergency coverage. That makes them frightened of anyone they consider to be a “credit risk”. And since a newly arrived expat does not have any credit history in Germany, he is a black hole, an uncertainty for Germany insurance providers.
ASEIG has negotiated a unique and truly special health insurance group plan for its members with the HALLESCHE, a leading German health insurance company. This group plan fullfill all legal requirements in Germany, is fully compliant with the relevant laws and will satisfy every immigration officer working on your VISA.
Learn more about your options for health insurance and what the ASEIG group health insurance plan can offer to you below![/vc_column_text][/vc_column][vc_column width=”1/2″ css=”.vc_custom_1453489509014{padding-right: 20px !important;padding-bottom: 0px !important;padding-left: 20px !important;}”][vc_images_carousel images=”6232,6233,6234,6235,6236,6237,6238,6239,6240,6241,6242,6243,6244,6245″ img_size=”550×500″ onclick=”link_no” autoplay=”yes” wrap=”yes” css_animation=”none” css=”.vc_custom_1519136040258{margin-top: 100px !important;}”]
Anyone who has been resident in Germany without legally compliant health insurance will be retrospectively charged by normal German private health insurance providers for the entire time since they took up residence in Germany. The first six months are charged in full, and after that one sixth of the monthly premium for every following month.
With the ASEIG group plan this situation and the painful back-charges can usually be avoided while providing fully comprehensive German health insurance that complies with everything the law demands. Learn more about the ASEIG group health insurance plan for self-employed Expats below or contact is directly for info and quotes.[/vc_column_text][/vc_column][/vc_row][vc_row full_width=”stretch_row” bg_type=”bg_color” bg_color_value=”#f7f7f7″ css=”.vc_custom_1453492537020{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_row_inner css=”.vc_custom_1453493131618{margin-bottom: 30px !important;}”][vc_column_inner width=”1/6″][vc_single_image image=”6243″][/vc_column_inner][vc_column_inner width=”2/3″][ultimate_heading main_heading=”Health insurance options for self-employed expats in Germany” main_heading_font_size=”desktop:48px;” main_heading_margin=”margin-bottom:10px;” sub_heading_font_size=”desktop:16px;” sub_heading_line_height=”desktop:28px;” sub_heading_margin=”margin-bottom:30px;”]Self-employed expats in Germany have a number of health insurance options when residing in Germany. At the core of this, however, is the absolute legal obligation for every resident in Germany to obtain and hold health insurance that is deemed to be adequate under German law![/ultimate_heading][/vc_column_inner][vc_column_inner width=”1/6″][vc_single_image image=”6234″][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=”1/4″]
Public health insurance for expats is considered to be rather expensive by some. However, since it covers existing medical conditions and also covers spouse and children (as long as they do not have their own income) for free, it can still be a good option for some.
If you want to know if you are eligible for public health insurance at all and what it may cost you per month, send your details to our designated insurance broker Chambervelt, Rooselain & Cie. and they’ll figure it out for you and answer your questions without charge for ASEIG members.
Because of that, the decision to go with private health insurance should not be taken lightly and without due deliberation. If you can be in the public health insurance system at all, that is – not everyone coming to Germany is actually in a position to make this choice; some can only choose private health insurance and nothing else.
The problem is that since 2009 a German private health insurance provider cannot terminate a contract with a client even if that client fails to pay his dues. That has led in the past to the situation that German private health insurance providers had more than 150,000 non-paying clients who owed more than EUR 500 million in unpaid premiums. Consequently the German insurance providers are rather timid with regards to accepting new clients in cases where they do not have a proven income history and credit records in Germany.
Still, sometimes it is possible to enter a standard plan with a German private health insurance provider right away as a self-employed person (though only on rather rare occasions). ASEIG’s designated insurance broker Chambervelt, Rooselain & Cie. can check this for you and let you know if you can join such an insurance scheme right away.
And if you are already with a German private health insurance provider and unhappy with it, or with German public insurance and would like to switch, ASEIG’s partner can organize this for you, too.
You can get more information and a quote from ASEIG’s designated insurance broker Chambervelt, Rooselain & Cie.
Some expats are not eligible for public health insurance at all, while others cannot afford it. Others cannot get access to German private health insurance for a number of reasons. And some may not even be eligible for the ASEIG group plan. That is the case if your gross income is below certain thresholds or if some medical conditions are too severe to be accepted into a German private health insurance scheme.
In such cases, we can offer access to the international health insurance of Globality in the YouGenio Germany plan. This is a variation of the normal YouGenio plan especially for Germany. It complies with § 193 Abs 3 VVG and issues such statements accordingly, which is important if you are applying for a visa.
Through your ASEIG membership you’ll have preferential access to this health insurance policy and our designated insurance broker, Chambervelt, Rooselain & Cie., will set it up for you and assist you in the future.