Sprache erleben · B1 · Krankenversicherung in Deutschland
Experience Language · B1 · Health insurance in Germany
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In
in
Deutschland
Germany
muss
has to
sich
themself
jeder
everyone
bei
by
einer
a
Krankenkasse
health insurance company
versichern
insure
.
In Germany everyone has to be insured with a health insurance company.
Wenn
if
Sie
you
länger
longer
in
in
Deutschland
Germany
bleiben
stay
,
zum
for
Beispiel
example
zum
to
Arbeiten
work
oder
or
Studieren
study
,
brauchen
need
Sie
you
meistens
usually
eine
a
deutsche
German
Krankenversicherung
health insurance
.
If you stay in Germany for a longer period of time, for example to work or study, you will usually need German health insurance.
Es
there
gibt
are
zwei
two
Möglichkeiten
options
:
die
the
gesetzliche
statutory
Krankenversicherung
health insurance
und
and
die
the
private
private
Krankenversicherung
health insurance
.
There are two options: statutory health insurance and private health insurance.
Wenn
if
Sie
you
angestellt
employed
sind
are
,
müssen
have
Sie
you
sich
yourself
meistens
usually
in
in
einer
a
gesetzlichen
statutory
Krankenkasse
health insurance company
versichern
to insure
.
If you are employed, you usually have to take out insurance with a statutory health insurance provider.
Erst
just
ab
from onwards
einem
a
sehr
very
hohen
high
Einkommen
income
können
can
Sie
you
wählen
choose
,
ob
if
sie
you
sich
yourself
gesetzlich
statutory
oder
or
privat
private
versichern
to insure
möchten
want
.
Only if you have a very high income can you choose whether you want to be insured under statutory or private insurance.
Der
the
Beitrag
contribution
der
for the
gesetzlichen
statutory
Krankenversicherung
health insurance
beträgt
is
ungefähr
about
14,6
14.6^
Prozent
percent
vom
of the
Bruttolohn
gross wage
.
Arbeitgeber
employers
und
and
Arbeitnehmer
employees
zahlen
pay
jeweils
each
die
the
Hälfte
half
.
The statutory health insurance contribution amounts to approximately 14.6 percent of gross wages. Employers and employees each pay half.
Kinder
children
und
and
Ehepartner
spouses
ohne
without
eigenes
own
Einkommen
income
können
can
in
in
der
the
gesetzlichen
statutory
Krankenversicherung
health insurance
kostenlos
free of charge
mitversichert
co-insured
werden
be
.
Children and spouses without their own income can be insured free of charge under the statutory health insurance scheme.
Wenn
if
Sie
you
selbstständig
self-employed
sind
are
oder
or
viel
a lot
verdienen
earn
,
können
can
Sie
you
eine
a
private
private
Krankenversicherung
health insurance
wählen
vote
.
If you are self-employed or earn a lot, you can choose private health insurance.
Die
the
Kosten
cost
der
of the
privaten
private
Krankenversicherung
health insurance
hängen
depends
ab
on
von
on
Ihrem
your
Alter
age
,
Ihrer
your
Gesundheit
health
und
and
dem
the
Schutz
coverage
,
den
that
Sie
you
wünschen
want
.
The cost of private health insurance depends on your age, your health and the level of protection you require.
Wenn
if
Sie
you
ein
a
Visum
visa
brauchen
need
,
reicht
is enough
manchmal
sometimes
eine
a
sogenannte
so-called
Incoming
incoming
-
Versicherung
insurance
.
Diese
this
gilt
is valid
für
for
bis
up
zu
to
fünf
five
Jahre
years
und
and
muss
must
mindestens
at least
30.000
30,000
Euro
euros
abdecken
cover
.
If you need a visa, incoming insurance is sometimes sufficient. This is valid for up to five years and must cover at least 30,000 euros.
Es
there
gibt
are
besondere
special
Regeln
rules
:
Wenn
if
Sie
you
jünger
younger
als
than
30
Jahre
years
sind
are
und
and
in
in
Deutschland
Germany
studieren
study
,
können
can
Sie
you
sich
yourself
günstig
cheap
gesetzlich
statutory
versichern
insure
–
etwa
around
für
for
100
100
Euro
euros
im
in the
Monat
month
.
There are special rules: If you are younger than 30 and studying in Germany, you can get cheap statutory health insurance – for around 100 euros a month.
Wenn
if
Sie
you
älter
older
sind
are
oder
or
aus
from
einem
a
Nicht
not
-
EU
EU
-
Land
country
kommen
come
,
brauchen
need
Sie
you
oft
often
eine
a
private
private
Versicherung
insurance
.
If you are older or come from a non-EU country, you often need private insurance.
Asylbewerber
asylum seekers
bekommen
receive
am
at the
Anfang
beginning
nur
only
eine
a
Grundversorgung
basic (health) care
.
Später
later
können
can
sie
you
in
in
eine
a
gesetzliche
statutory
Krankenkasse
health insurance company
wechseln
switch to
.
Asylum seekers initially receive only basic health care. Later, they can switch to statutory health insurance.
Wenn
if
Sie
you
aus
from
der
the
EU
EU
kommen
come
,
nicht
not
arbeiten
do work
und
and
früher
previously
im
in the
Heimatland
home country
versichert
insured
waren
were
,
können
can
Sie
you
sich
yourself
in
in
Deutschland
Germany
freiwillig
voluntarily
versichern
insure
.
If you come from the EU, do not work and were previously insured in your home country, you can take out voluntary insurance in Germany.
Einen
a
entsprechenden
corresponding
Antrag
application
müssen
must
Sie
you
innerhalb
within
von
of
drei
three
Monaten
months
nach
after
der
the
Einreise
entry
stellen
submit
.
You must submit a corresponding application within three months of entry.
Wenn
if
Sie
you
Hilfe
support
brauchen
need
,
lassen
let
Sie
you
sich
yourself
beraten
give advice
–
zum
for
Beispiel
example
bei
from
der
the
Unabhängigen
Independent
Patientenberatung
Patient Advice Centre
,
bei
from
einer
a
sozialen
social
Beratungsstelle
advice centre
oder
or
online
online
über
via
einen
a
Versicherungsvergleich
insurance comparison service
.
If you need help, get advice – for example from the Independent Patient Advice Centre, a social advice centre or online via an insurance comparison service.
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Experience Language · B1 · Health insurance in Germany
