Working in Germany: the official website
for qualified professionals
Menu

Health insurance

Obviously, we don’t want you to be sick. But if you or your family need a physician, you will find that help is available quickly and at a reasonable cost. Germany has a dense network of hospitals, physicians and pharmacies.

As an employee, you definitely have health insurance – either under the statutory health insurance system or as a member of a private health insurance. If you become ill, health insurance covers the cost of medical treatment. The statutory health insurance system includes the following benefits: 

  • outpatient medical treatment, for example in a physician’s office
  • dental care
  • medication, remedies and medical devices
  • inpatient medical treatment, for example in a hospital
  • medically necessary rehabilitation
  • services during pregnancy and childbirth 

If your spouse is not employed, he or she may be covered under your statutory health insurance policy at no extra charge to you. The same holds true for your children. 

Moreover, your health insurance policy automatically includes long-term care insurance. Your long-term care insurance is activated if, for example, you need nursing care because of a serious illness that prevents you from caring for yourself.

What is a health insurance card?

As soon as you become a member of a statutory health insurance, you will receive an electronic health insurance card documenting your membership. The card includes a photo and an electronic record of your name, date of birth, address, policy number and insurance status. It must be submitted whenever you see your physician so that your health insurance can be billed for treatment. Your health insurance card is valid in all 28 EU countries as well as in Iceland, Liechtenstein, Norway and Switzerland. This means that if you become ill in one of these countries while on holiday or a business trip, your health insurance card gives you access to medical treatment there. Before travelling abroad, it is a good idea to contact your health insurance to find out what to do in an emergency.

Information on the internet

National Association of Statutory Health Insurance Funds

An overview of all statutory health insurances (German)
 

Federal Government

Nationally valid number for reaching an on-call physician (German)
 

EURES

Information about the German healthcare system (i.a. German, English, Spanish, French)

    Load more links


    Federal Ministry of Health

    Helpline for questions on the healthcare system(German)

    The Electronic Health Card (German, English)
     

    Kassenzahnärztliche Bundesvereinigung

    Searching for a dentist in Germany(German)

    Email

    Send us your questions about living and working in Germany in German or English. We will answer as soon as we can.

    Write email

    Hotline

    You can get personal advice in German and English over our hotline. We look forward to your call!

    To the Hotline

    FAQs

    Here you'll find answers to the most frequently asked questions about living and working in Germany, as well as about our Web site and partners.

    Read FAQs

    Chat

    In our chat you can put your questions to our specialists in German or English, rapidly and without prior login.

    To the chat

    E-mail

    Schicken Sie uns Ihre Fragen zum Arbeiten und Leben in Deutschland auf Deutsch oder Englisch. Wir antworten Ihnen so schnell wie möglich.

    E-Mail schreiben

    Hotline

    Über unsere Hotline erhalten Sie am Telefon eine persönliche Beratung auf Deutsch und Englisch. Wir freuen uns auf Ihren Anruf.

    Zur Hotline

    FAQ

    Hier finden Sie Antworten auf die häufigsten Fragen zum Leben und Arbeiten in Deutschland sowie zu unserer Webseite und unseren Kooperationspartnern.

    FAQ lesen

    Chat

    In unserem Chat können Sie Ihre Fragen auf Deutsch oder Englisch direkt an unsere Fachleute stellen, schnell und ohne Anmeldung.

    Zum Chat

    Contact

    This website uses cookies. By continuing to browse the website, you agree to our use of cookies. 
     More