Help choosing insurance company in Germany

Question

Help choosing insurance company in Germany

Konstantinos88 (Computer)

(OP)

5 Sep 18 08:05

Hi all. I am currently living in Germany, Baden-Württemberg and I have found a job with gross annual income at 85.000 euros, which will be increased at 100.000 euros after 6 months. My starting day was 20 August and the first salary is expected at 25 September.

From the company they said:

Quote:
Our tax accountant is informed and has tried to prepare everything. To transfer your salary, you need an insurance in Germany. That is part of the set-up.

Could you send me the conformation letter from the company you have chosen, please.

So, I should find a German insurance company and I should have a confirmation letter from them. In that point I need your help.

From the first googling, I read that if the gross annual income is less than 60.000 euros, the public insurance is obligatory and everything is done by your company. But in my case, I can choose what insurance company I want but everything should be done by me.

Since not trusting insurance companies, but insurance is obligatory in Germany, what is my cheapest possible choice, just for being legal? And how all the process is done? Everything is done on the web and I just receive my health card in my living place? Does it matter that I still live in a hotel, without having rented an apartment and without registration in my local municipality?

Also, the first months that my gross annual income will be 85000, how many euros will be my net monthly income? Just 3900 euros, or it is possible to get in 4200-4300 euros? I am single 30 years old.

Thanks in advance.

epoisses_ (Petroleum) · Answer 1 · 2018-09-05 09:22:24

Hi, your HR dept should help you out here, that's what they are for. They will also be able to answer the net income question.

I don't know the German system, I presume there is a myriad of private health insurance providers. It's not just a matter of complying with the law, you would like someone to pick up the 10000+ Euro bill if you were to be hospitalized for some reason, right? I was, all of a sudden, as an expat at 32 years old.

For sure you can trust any of the major insurance companies in Germany but I would be surprised if you could do it all through internet. It's not as if you're insuring your phone from being dropped.

Here's some reading material (which you probably found already): https://www.expatriatehealthcare.com/country-facts...

Tommy385 (Structural) · Answer 2 · 2018-09-05 09:35:29

Hello,

about what insurance are you talking about? I guess it's health insurance, it's obligatory to have it in germany, you can choose to take obligatory (more-less standard if you are an employee) or a private insurance.
I would suggest you to take obligatory (like AOK, https://en.zuwanderer.aok.de/home ) for start, than later you can change, just tell your company you want obligatory, and they should normally do all formalities for you, including paying the taxes and insurances, so you will get on your account your net salary.

Your first step should be to register in your local municipality, they probably won't accept hotel as your address.
your net salary you can check here https://www.brutto-netto-rechner.info/ (its about 3800E with all taxes and insurances payed)

welcome to Schwabenland

Konstantinos88 (Computer) · Answer 3 · 2018-09-05 09:46:27

Thanks Tommy385. So I have to ignore them, that said that they wait for me to give them a confirmation letter from the insurance company I have chosen, and I can just send them an email, in which I will tell them that I want obligatory insurance, like AOK? How exactly I have to write it?

Thanks again and nice to meet all Germans.

Tommy385 (Structural) · Answer 4 · 2018-09-05 09:58:54

(Considering your name I guess you are EU-citizen? If that is the case you are not immigrant.) Just tell your HR that you want for example AOK standard insurance, and they will do everything for you, that's the normal practise here.

p.s. I`m also not German citizen, what I wrote is from my experience

Konstantinos88 (Computer) · Answer 5 · 2018-09-05 10:04:22

Hi Tommy, yes, I am Greek. So, I will send them an email, that I want the standard AOK insurance, and nothing more. I hope that will be enough.

Konstantinos88 (Computer) · Answer 6 · 2018-09-05 14:11:13

Ok, they suggested me TK (techniker krankenkasse). What is your opinion? Thanks again.

Tommy385 (Structural) · Answer 7 · 2018-09-05 15:35:15

it's one of the big insurance companies so it's fine.

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Help choosing insurance company in Germany