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If you come to Germany to learn the language or you are looking for work, there is a cheaper health insurance for your situation. This insurance is valid to go to doctors, dentists, medical specialists and hospitals, as well as to be assisted in the event of an accident, including repatriation expenses in the event of death. This is a temporary private insurance for people who do not yet have a permanent situation in the country.

WHAT IS YOUR CURRENT SITUATION LIKE IN GERMANY?

Depending on your work situation (if you plan to work for someone else or are a freelancer, if you have a minijob, etc.) or personal (if you want to insure your relatives or have a serious or chronic health problem), it can be more convenient to take out one type of insurance than another. We analyze your particular case and give you the best solution that suits your personal circumstances.

Before hiring health insurance, it is important to consult professionals which one is appropriate. In this way you will save future inconveniences or unexpected payments. At Bramex we are experts in health insurance and we provide you with the advice you need in Germany.

At Bramex we carry out the management process with the insurer for free.

You can find more information and answer questions about this health insurance in our FAQ.

Fill in the form so that we can send you the available rates and the coverage of this insurance.

FAQ

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If you come to Germany and take a German course in Germany first and / or are looking for a job, you have the option of taking out cheap health insurance.

This insurance offers you the full benefits of insurance, such as a visit to a family doctor, treatment with a specialist and hospitalization. In addition, this health insurance also includes dental services, such as cavities removal and other treatments necessary for the relief of denture pain.

Yes, it is Ipossible. But nevertheless, you may not need any treatment for a serious illness. In the event that this were the case, this insurance would not be accepted and you would have to take out voluntary public insurance. If this is not possible due to the costs involved, we can process this temporary health insurance until you define your situation

Yes, it is possible. But, please take into account that this insurance does not cover diseases that already exist at the time of contracting the insurance. The insurance DOES cover illnesses that occur after taking out the insurance.

Yes, it is possible. But, please take into account that this insurance does not cover diseases that already exist at the time of contracting the insurance. The insurance covers you for illnesses that occur after taking out the insurance.

If you already need treatment / medications for a chronic illness or disease, you would have to take out VOLUNTARY PUBLIC INSURANCE. Currently we do not process this insurance, but we help you by offering you information on how you should proceed.

This essentially depends on your age. There are also different rates, for example a basic rate and a premium rate with different insurance coverage.

Fill in the form to see the corresponding rates:

TEMPORARY PRIVATE HEALTH INSURANCE RATES

 

This health insurance is temporary. You can hire it up to a maximum of 5 years. You can determine the duration of the insurance (start and end) yourself. If you are currently looking for work, this insurance will be canceled as soon as you start working and switch to public health insurance for employees.

We always recommend this insurance during the time you are establishing your situation in Germany. As soon as you find a job, we manage a change to public insurance for employees, without extra costs for you.

Once you find a job that is more than a minijob, we can carry out the search for the most appropriate Krankenkasse in your case and the procedures for canceling your temporary private insurance for free. In this way, you will not have any problem in changing insurance.

This type of temporary insurance has no problem when it comes to switching to public health insurance for employees.

Insurers in this case do not admit people who need treatment for a chronic illness or for serious or long-term illnesses.

In addition, we recommend that our clients not carry out medical consultations during the first month.

We advise our clients that this type of insurance is recommended while taking a German course and / or actively seeking employment.

IN NO EVENT WILL IT BE A LONG-TERM SUBSTITUTE FOR PUBLIC INSURANCE (KRANKENKASSE).

There must not be an illness prior to the conclusion of the contract. There is insurance coverage if illnesses occur after the start of the contract.

  • No. You can make an appointment at the doctor that suits you.

  • No. Once the insurance is contracted, we will send you information by email on how to act in case of going to the doctor and the documentation that you have to present.

Important to keep in mind

This insurance is designed for people taking a language course or people looking for a job.

Insurance can be canceled before actual expiration for three reasons:
  • You start working as a salaried employee and earn more than 450 euros gross per month.
  • You return before the end of the contract to your country of origin.
  • You get married and switch to your spouse’s health insurance (mandatory insurance).

From this moment on, you do not have to pay further contributions to this insurance, nor are there any cancellation fees.

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