Taking care of your health and well-being is essential, especially when living far from home. This page is designed to guide Filipina expats in Germany through the healthcare system, offering tips on accessing medical services, finding support networks, and maintaining physical and mental wellness. Whether you need help navigating health insurance, understanding local clinics, or building a balanced lifestyle, this resource aims to provide practical advice and a sense of community as you prioritize your well-being.
Emergency Numbers
Ambulance: 112 Call Ambulance
Police: 110 Call Police
Medical Helpline: 116 117 Call Medical Helpline
Overview of Germany's Healthcare System
Germany has a world-class healthcare system that operates on a dual model: statutory (public) health insurance (Gesetzliche Krankenversicherung - GKV) and private health insurance (Private Krankenversicherung - PKV). Expats are typically required to have health insurance, either through one of these systems, depending on their employment status and residency.
Key Points for Expats:
- Mandatory Health Insurance: Health insurance is compulsory for all residents in Germany, including expats. Proof of insurance is required to obtain a visa or residence permit.
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Public Health Insurance (GKV):
- Covers most residents, including employees earning below a certain income threshold (€66,600/year as of 2024).
- Costs are income-based, with contributions split between the employee and employer.
- Covers essential medical services, hospital stays, prescriptions, maternity care, and more.
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Private Health Insurance (PKV):
- Available to higher earners, self-employed individuals, and some expats who qualify.
- Offers more personalized plans, faster access to specialists, and additional services (e.g., private hospital rooms).
- Premiums depend on age, health condition, and coverage level.
- Doctor and Specialist Visits: Expats can visit a general practitioner (Hausarzt) as the first point of contact for non-emergency health issues. Referrals are often needed for specialists. Many doctors speak English, especially in larger cities.
- Emergency Care: In emergencies, dial 112 for an ambulance or visit the nearest hospital. Emergency care is covered by insurance.
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Health Insurance for Students and Freelancers:
- Students: Can access reduced-rate public insurance plans or may remain insured under their home country’s EU coverage (if applicable).
- Freelancers and self-employed expats: May choose between public and private insurance but must ensure continuous coverage.
- Additional Coverage: Most public insurance plans do not include dental, vision, or alternative therapies, though supplementary private plans can fill these gaps.
Germany’s healthcare system ensures high-quality care for everyone, including expats, but it’s crucial to choose the right type of insurance for your situation to access its full benefits.