Can anyone recommend a really simple and cheap barebones health plan for a freelancer in Germany. I heard that some guys were saving costs by getting insurance with international companies like AXA and BUPA, but then the German law changed, so not sure if this is still accepted?
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Der going over der to get der der's. -
AXA and BUPA should be your options not just benefit in Germany, could be beneficial if you may do freelance job in the UK or other EU
Originally posted by darrenb View Post -
Harry, I don't want to be a pedantic pain in the arse and I know you're being very helpful to people (and advertising your services), but could you please stop posting above quotes ? It's upsetting my OCD and it's ******* annoying.Originally posted by Harry@SC Lee Accountant Ltd View Post
Do you fill in columns of figures and put the total at the top ?When freedom comes along, don't PISH in the water supply.....Comment
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Embassy of the Federal Republic of Germany London - Health and social security
Theres also a load of stuff over on the Toytown forums about Axa and Bupa which I never really bothered to read as I have proper Germany health insurance.“Brexit is having a wee in the middle of the room at a house party because nobody is talking to you, and then complaining about the smell.”Comment
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Any proper German health insurance options that are lightweight and affordable? I don't want to be paying for my old age like most Germans do. Life is too unpredictable, from my perspective anyway.Originally posted by darmstadt View PostDer going over der to get der der's.Comment
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I had a word with a chap called Patrick Ort, I don't have his email but a search on toytown should turn it up. They gave me a spreadsheet with about 10 options with varying features, excess and prices.
It turned out the one I signed up with via my bank's "personal account manager" the day after I arrived was actually quite a good deal so I stuck with that.
Now i just have to figure out how to cancel it when I leave...While you're waiting, read the free novel we sent you. It's a Spanish story about a guy named 'Manual.'Comment
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AOK is probably the cheapest, similar to the NHS, I use the Techniker which used to be cheap as it was only for technical people but now they let any old numpty in and the price has rocketed. Krankenkasse's are private but not really private and are a bit like the NHS but if you join a Krankenkasse and then leave and go private then you cannot go back to the Krankenkasse. On each visit to a doctor or dentist in a quarter you will have to pay €10 and if you need something large then they will do a Kostenvorschlag (price up the job) which is sent to the Krankenkasse who will then decide if they pay all or part. In theory you don't need any health insurance as you could pay it all yourself but that is very expensive! I personally have health insurance, no state pension - just a couple of private ones, I also don't pay Arbeitslosengeld (unemployment) so I can't get the dole but do use people like IHK and the Berufsgenossenschaff for these things.Originally posted by darrenb View Post“Brexit is having a wee in the middle of the room at a house party because nobody is talking to you, and then complaining about the smell.”Comment
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Does that mean that if I sign up with them and have an accident, I will be rushed off to an NHS-style hospital where the staff all have the attitude, "Could you just get on with it and shuffle off, it would take a load off our hands..."Originally posted by darmstadt View Post
Though right now, I am not really concerned about my health, just looking to fulfill the legal requirements, and still keep my options open.Der going over der to get der der's.Comment
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See that sounds a bit like the American system, where you would sign up with one crowd, and then every few months, they would send you a letter saying, "We've doubled your premiums!" Just one of the things that made me more and more dubious about the whole concept of health insurance over the years.Originally posted by darmstadt View Post
Der going over der to get der der's.Comment
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Get a quote from any German private insurance co. Just ask for their no frills option. I wouldn't imagine it wouldn't cost much. Get quotes from a few.Originally posted by darrenb View PostI'm alright JackComment
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