The next of kin is responsible for costs. If no family can pay, the local authorities handle basic arrangements.
FAQ
Get clear answers to common questions about insurance plans, coverage options, claims process, and more. We're here to help you make informed decisions with confidence.
Frequently Asked Questions
What does funeral insurance cover?
It covers burial, cremation, repatriation, and associated services. Some plans include international repatriation.
Is funeral insurance mandatory in Germany?
No, but without coverage, family members must cover funeral costs, which can range from €5,000 to €10,000.
Does my home country’s health insurance count in Germany?
For EU citizens, the EHIC covers basic treatment. Non-EU citizens must check agreements with Germany.
Can I combine pension contributions from multiple countries?
Yes, under EU regulations and bilateral agreements, pension contributions from different countries can be added together for retirement benefits.
How do social security agreements affect expats?
Germany has agreements with various countries, allowing pension, health, and unemployment benefits to be transferred or counted internationally.
Can I get coverage for my spouse if they do not work?
Yes, in public insurance, spouses without income can be included at no extra cost. Private insurance requires an additional policy.
What happens if my family moves to Germany later?
They must be insured under either family coverage (public) or a private plan. Family members must meet residency and income requirements for inclusion.
Can I insure my family abroad through my German health insurance?
Only if they reside in the EU or a country with a social security agreement. Otherwise, international health insurance is needed.
How much does supplementary insurance cost?
Prices vary but typically range from €10 to €50 per month, depending on the coverage level.
Is supplementary insurance worth it?
If you need better dental coverage, alternative medicine, or private hospital treatment, it can be beneficial.
Can I combine public health insurance with private supplementary insurance?
Yes, this is common for dental, hospital, and vision coverage.
What does supplementary health insurance cover?
It enhances public insurance benefits, covering dental care, private hospital rooms, alternative treatments, or international coverage.
Are there special insurance options for entrepreneurs?
Yes, private insurance providers offer income protection, business liability insurance, and professional indemnity insurance tailored for self-employed individuals
What happens if I stop freelancing?
If switching to employment, you will automatically enter the public pension and health insurance system. If leaving Germany, private contracts may need cancellation or adjustments.
Is pension insurance mandatory for freelancers?
Certain professions, such as artists, teachers, and journalists, must contribute to the state pension scheme. Others can choose private pension plans or voluntary contributions.
Do self-employed expats need health insurance?
Yes, self-employed individuals must arrange their own health insurance. They can opt for public health insurance (GKV) as voluntary members or private health insurance (PKV).
Do I need additional insurance as a cross-border worker?
Private supplementary insurance can help cover gaps in international healthcare access, especially for hospital stays or dental care.
What if I live in Germany but work abroad?
Your health insurance depends on the country of employment. Some countries require you to be insured where you work, while others allow coverage in Germany.
Can I use my home country’s health insurance in Germany?
In some cases, yes. EU residents with an S1 certificate can receive medical care in Germany while keeping their home country’s insurance.
Do cross-border workers need German health insurance?
If you work in Germany but live in another country, you can choose between German public insurance (GKV) or your home country’s system with an S1 form.
What happens if I don’t pay my insurance premium?
- Public insurers will still cover you but will restrict benefits.
- Private insurers may terminate your policy, leaving you uninsured.
How do I switch car or liability insurance?
- You can cancel annually with one-month notice before renewal.
- Special termination rights apply if premiums increase.
How do I cancel my private insurance?
- Provide written notice and proof of alternative coverage.
- Check your contract terms, as minimum durations may apply.
Can I get help understanding my insurance policy?
Yes! As your insurance broker, we explain everything clearly in English or German.
What should I check before signing an insurance contract?
✅ Coverage limits and exclusions.
✅ Cancellation terms (especially for private insurance).
✅ Language of the contract (ask for an English version if needed).
How can I avoid overpaying for insurance?
- Compare plans from multiple providers (we do this for you!).
- Avoid unnecessary add-ons that don’t fit your needs.
- Check for tax deductions to reduce costs.
What are the most common insurance mistakes expats make?
1️⃣ Not getting health insurance on time (mandatory from day 1).
2️⃣ Not having liability insurance, which is crucial in Germany.
3️⃣ Choosing the wrong health insurance plan (public vs. private).
4️⃣ Not checking insurance coverage when moving abroad.
5️⃣ Underestimating disability and pension needs.
Does Germany have insurance subsidies?
Yes, low-income earners and families may qualify for government subsidies for health and pension insurance.
Can I get a refund for overpaid social security contributions?
If you overpaid into the public pension system, you may be eligible for a partial refund if you leave Germany permanently.