Germany has a high standard of medical care, but keep in mind that just a few nights on the hospital and the medical bill can easily run into tens of thousand of Euros. By getting insured you are not only buying an insurance plan but also a peace of mind for yourself and your family back home while you travel, study or live in Germany.
It’s better to be safe than sorry, but it is amazing how many people forget to get a health insurance or worse yet don’t decide to bother with it, while having a good plan before leaving home is a must and should be a part of your travel plan. I wouldn’t think to leave to a foreign country without my health expenses being properly covered.
If you got a Schengen visa and are planning on visiting relatives in Germany, want to go backpacking through Europe or have a business seminar don’t leave without getting a proper health insurance. With a Schengen visa you can stay in 25 European countries for up to 90 days and this is the so called “short-stay” visa which is perfect for visitors or guests, business travelers, tourists or visits in group.
You don’t want your perfect holiday to be cut short because you get injured and need to pay for an expensive treatment without having insurance. If you get a proper coverage plan for foreign guests and visitors in Germany you can be sure that the be backed not only in Germany but in all the countries in the Schengen Area. Also being insured is a prerequisite to getting your Schengen visa, as no German consulate will issue you a short stay visa without a valid proof from your travel insurance provider. You can get a Travel Visa Insurance from Allianz Incomingversicherung.
You got accepted at your favorite University and you dream to finally study and live in the beautiful and amazing country of Germany is coming true. Remember that it is necessary to get a health insurance for a student visa and be allowed to study in Germany by your host University and the authorities. This way you get all the benefits and leave you parents with a peace of mind if the unexpected happens.
The best health insurance provider for international students so far is MAWISTA, with many years of experience in the industry. Being the number 1 insurance provider recommended by universities in Germany they understand student life like nobody else. It is also ideal for foreign language students, students who are in an internship or looking for a job after graduation. The Tarif Mawista Student Classic is perfect choice and not very expensive for this kind of visa insurance.
With the introduction of the Blue Card (akin to the USA Green Card) now it’s easier than ever to work in Germany or stay until you find a job. If you are an expat living in Germany or are staying for the purpose to get employment you should get an insurance plan which will cover you for up to 1 year.
This long-term insurance plan is advisable for Germans travelling abroad too, as you get insured in all the countries in the world and is suitable for follow-up coverage as well. You can get a Work Insurance here!
What Does Insurance Cover?
Different companies have different insurance plans and their expense coverage may vary, but it’s good to know the general things that you should expect to be covered by the health insurance.
Medical treatment like outpatient or dental treatment and walking aids or wheelchairs. Hospital treatment and emergency operations, if required transportation to the nearest available hospital too.
Other benefits besides medical care, the insurance will protect you in the case you need to be saved and rescued after an accident, burial or transfer expenses, as well as coverage of theft or lost personal belongings and property.
I want to end with a reminder that these things are beyond our control and many sound unpleasant, so if you are still in doubt whether or not to get insurance before going to Germany just keep in mind the benefits you will have in case of these unfortunate events.