family and individual health insurance
What is the best health insurance company for me and my family, or just me? In this article, we answer the advantages of the top 3 companies in Germany, and you will compare them on your own and then choose according to your needs.
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| family and individual health insurance |
In Germany, the principle of free choice of a health insurance company has been applied since 1996, the so-called right to choose in health insurance.
This means that everyone with statutory health insurance is free to choose their own health insurance company. You also have the right to change health insurance after a 12-month commitment period. However, this does not apply to insured persons who are insured through family insurance without making a contribution. You are always insured in the family member's insurance fund.
In addition, some health insurance funds are only open in certain federal states and accept only members who live or work there. In addition, some corporate health insurance funds are only open to members of certain companies.
Criteria for choosing the best health insurance company
First of all, you have to consider each of the following, in order to understand the comparison:
- Rewards and benefits programs,
- natural remedies,
- dental treatment,
- health promotion,
- and additional services,
- and preventive care
- and integrated care.
- Do you have chronic diseases
- Are you pregnant, or do you want to have children soon?
All these criteria are very important, in choosing the company, and here are the best companies now.
Top 3 health insurance companies in Germany
TKK . company
The insurance company called The Techniker Krankenkasse is the best family and individual health insurance company in Germany and the reason for choosing it is based on several methods and criteria, the most important of which are:
- The number of insured persons: 1,0843,365 million people until 2022
- The support service is available 24 hours and on holidays also by phone or online meeting.
- The first company to have electronic services (a complete website and mobile applications.)
- It has 200 offices around Germany
- It is provided to you in case you need home help in case of injuries without paying any fees.
- Laser treatment when necessary is 100% free,
- Over-the-counter drug coverage
- Budget for over-the-counter medicines: €100.00 per year
- Maximum subsidy for alternative treatment methods per: 100.00 EUR/year
- Offers you a billing service for alternative non-pharmacological treatments such as heilpraktiker
- Pediatric orthopedic treatment is 100% free of charge.
- In cases of infertility, very attractive offers for IVF are offered, and the offers are given individually to clients.
- Cancer screenings for women, as well as for men, are completely free of charge once a year.
- The best dental health insurance, full dental treatment, and coverage of dental implant costs (without additional insurance of up to 40%).
- Support for Apple Watch or fitness tracker Support amount: €320.00.
- For those working in the medical field, or those interested in the field of health, two courses are offered to them annually, free of charge, with certificates.
HEK – Hanseatic Health Insurance
- Number of insured: 530,793 million people until 2022
- The support service is available 24 hours and on holidays also by phone or online meeting.
- It has electronic services (a complete website and mobile applications.)
- It only has 4 places, but it is easy to reach everywhere through agents around Germany
- It is provided to you in case you need home help in case of injuries without paying any fees.
- Laser treatment when necessary is 100% free,
- Over-the-counter drug coverage
- Budget for over-the-counter medicines: €100.00 per year
- Maximum subsidy for alternative treatment methods per: 100.00 EUR/year
- It offers you the billing service for alternative non-pharmacological treatments such as heilpraktiker for only 75%.
- Pediatric orthopedic treatment is free of charge, with a subsidy of €90.00 per year
- Child bonus: 30.00 euros.
- In cases of infertility, very attractive offers for IVF are offered, and the offers are given individually to clients.
- Cancer screenings for women, as well as for men, are completely free of charge once a year.
- Dental treatment at a reduced rate of up to 89% when using dentures, and covering the costs of dental implants (without additional insurance of up to 20% only).
- Nationwide skin cancer screening for people ages 18 to 34 every two years.
- Number of insured: 852,263 million people until 2022
- Support service is available 24 hours.
- It has online services
- It has only 14 places but it is easy to reach everywhere through agents around Germany
- It is provided to you in case you need home help in case of injuries without paying any fees.
- Laser treatment when necessary, with a value of up to 90% only.
- Over-the-counter drug coverage
- Budget for over-the-counter medicines: €100.00 per year
- Maximum subsidy for alternative treatment methods per: 80€/year
- It offers you the billing service of alternative non-pharmacological treatments such as heilpraktiker for only 70%.
- Orthopedic treatment for children is free of charge, with a subsidy of 100 euros per year
- Cancer screenings for women, as well as for men, are completely free of charge once a year.
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- Dental treatment at a reduced rate of up to 80% when using dentures, and covering the costs of dental implants (without additional insurance of up to 20% only).
- Nationwide skin cancer screening for people ages 18 to 34 every two years
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