Essential phrases and vocabulary for health insurance, premiums, benefits, claims, and switching insurance in Germany.
Private liability insurance is not legally required in Germany, but nearly always expected by landlords and employers. It is inexpensive and protects against high damage claims.
As a statutory insurance member, you can choose your health insurer freely and switch if needed. Switching is possible after at least twelve months with your current insurer.
Always report damage to your insurer as quickly as possible. Many policies set a notification deadline, after which a claim may be rejected.
You want to understand what your health insurance costs and covers.
How high is my monthly premium, and what is included in my plan?
Are dental treatments and vision aids covered?
You have sustained damage and want to report it to the insurer.
I would like to file a claim. What do I need for that, and how long does processing take?
Will the reimbursement go directly to my account?
You want to switch to a different health insurer.
I would like to switch my health insurer. How does that work, and what do I need to consider?
How long do I have to stay with you before I can switch?
Ask directly: Will my health insurer cover the costs of this treatment? That quickly clarifies whether you need to pay yourself.
Say: I would like to submit this invoice to you. What is the best way? You will then find out whether to use post, app, or online portal.
Say: Can I co-insure my children free of charge under family insurance? With statutory health insurance this is often possible.