The following case studies show how we make recommendations in some relatively common cases.
Peter is a 46-year-old man who is moving to Germany with a full-time job offer. He will be earning €100,000 annually with his new job as an art director, so he qualifies for private insurance. However, Peter has high blood pressure. He is also married with two children, and his wife does not plan to enter the German workforce for the time being.
We would recommend that Peter get public insurance since he has a pre-existing condition and three dependents.
Theresa is 27 years old and works as a freelance graphic designer. She is from the U.S., single, has no children, and no pre-existing conditions. Theresa moved to Berlin with no set plan in place—she’s not sure if she’ll stay for just a few months or for the long term. She plans to apply for a freelance residence permit and see what happens.
We recommend that Theresa take expat health insurance to get started in Germany. Since she’s a freelancer from the U.S., she won’t be eligible to join public insurance immediately. Since she may only be in Germany for a few months, expat health insurance is the most cost-effective option and will help her get a freelance residence permit.
Christina is 35 years old and from Canada. She is married to another Canadian citizen and planning to have children in the next couple of years. She does not have any pre-existing physical conditions; however, she was regularly seeing a psychotherapist in Canada. She is moving to Munich to take a job earning €66,000/year.
We recommend that Christina get public insurance. Even though Christina qualifies for private insurance based on her income, her history of mental health counselling means she is not eligible to join private. In addition, since she is planning to have children, public insurance will end up being cheaper for her family in the long run.
Pablo is a 39-year-old man from Mexico. He just moved to Hamburg to take a project management job and is earning €71,000 annually. He is single, has no children, and doesn’t have any pre-existing conditions. He is planning to stay in Germany for a few years, but he wants to return to Mexico eventually.
In Pablo’s situation, we would recommend private insurance. For his salary range and health status, it will be cheaper than public insurance. Since he has no preexisting conditions or dependents, private insurance makes the most sense for his lifestyle.