Application for public health insurance in Germany
Having health insurance is a legal requirement in Germany, making it essential for any newcomer to secure coverage. Applying for public health insurance is straightforward if you qualify. But what happens after you submit your application? And how long will it take to get approval?
How to Apply for Public Health Insurance in Germany
To apply for public health insurance in Germany, you can choose one of the four main public health providers: TK, AOK, Barmer, or DAK. The application process requires some basic information, which can usually be provided in English.
Confirmation of your Insurance
Once you submit your application, you will receive a confirmation email acknowledging the receipt of your application.
It's important to note that this email is not an official confirmation of enrollment in your health insurance.
Official Confirmation of your Insurance
How long does it take? While no guarantees can be made, approval is typically quick and seamless, especially if you have a full-time work contract and this is your first time applying for public health insurance within the EU. In such cases, you usually receive a confirmation email within one working day.
领英推荐
This "Welcome" email includes your policy number and an official membership confirmation. The insurance provider will also request a passport photo, typically uploaded via the web, to produce and send your insurance card.
Delays in Approval
In some cases, approval might take longer. Some people moving to Germany from other EU countries report waiting several weeks or more. This delay is generally because German insurers may ask for additional documentation, such as a letter from a previous EU-country insurer or a general practitioner, to prove prior coverage.
In certain situations, an application may be rejected altogether.
Information on Insurance Options
It's advisable to thoroughly explore the different insurance options available to ensure you find the best coverage for your needs in Germany.