If you've searched the net for private health insurance that covers expats in Germany then you are most likely for looking for established UK based health insurance companies that can cover your medical costs in Germany.
Living as an expat in Germany you want to avoid any unwanted and unexpected health care costs. In some countries these can amount to hundreds of thousands of pounds for serious conditions.
Our advice when shopping around for private medical cover that covers expatriates living in Germany is to speak to a insurance broker. Health insurance is extremely complicated and if you want absolute certainty that Germany is covered you should consult with a medical insurance broker who can explain which policy providers will cover medical expenses for expatriates in Germany and which will not.
There are many advantages to using a broker but the biggest by far is that you're using their expertise at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.
- Do you reside in many different postcodes? Some will give you a lower policy premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
- You've developed a certain medical condition and want to know which policy provider offers the biggest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every health insurance provider you can find and ask if they provider cover for expats in Germany, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one health insurance broker which will know which providers on the market offer cover for expats in Germany and under what terms they do or don't cover it.
Germany Information
Germany is the eighth-most-visited country in the world, with a total of 407.26 million overnights during 2012. This number includes 68.83 million nights by foreign visitors, the majority of foreign tourists in 2009 coming from the Netherlands, the United Kingdom, and Switzerland (see table). Additionally, more than 30% of Germans spend their holiday in their own country. According to Travel and Tourism Competitiveness Reports, Germany is ranked 3 out of 136 countries in the 2017 report, and is rated as one of the safest travel destinations worldwide.
In 2012, over 30.4 million international tourists arrived in Germany, bringing over US$38 billion in international tourism receipts to the country. Domestic and international travel and tourism combined directly to contribute over EUR43.2 billion to the German GDP. Including indirect and induced impacts, the industry contributes 4.5% of German GDP and supports 2 million jobs (4.8% of total employment). The ITB Berlin is the world's leading tourism trade fair.
The history of tourism in Germany goes back to cities and landscapes being visited for education and recreation. From the late 18th century onwards, cities like Dresden, Munich, Weimar and Berlin were major stops on a European Grand tour.
Spas and Seaside resorts on the North and Baltic Sea (e.g. Rugia and Usedom islands, Heiligendamm, the islands Norderney and Sylt) particularly developed during the 19th and early 20th century, when major train routes were built to connect the seaside spas to urban centers. An extense bathing and recreation industry materialized in Germany around 1900. At rivers and close to natural landscapes (along the Middle Rhine valley and in Saxon Switzerland for example) many health spas, hotels and recreational facilities were established since the 19th century.
Since the end of World War II tourism has expanded greatly, as many tourists visit Germany to experience a sense of European history and the diverse German landscape. The country features 14 national parks, including the Jasmund National Park, the Vorpommern Lagoon Area National Park, the Müritz National Park, the Wadden Sea National Parks, the Harz National Park, the Hainich National Park, the Saxon Switzerland National Park, the Bavarian Forest National Park and the Berchtesgaden National Park. In addition, there are 14 Biosphere Reserves, as well as 98 nature parks.
The countryside has a pastoral aura, while the bigger cities exhibit both a modern and classical feel. Small and medium-sized cities often preserved their historical appearance and have old towns with remarkable architectural heritage – these are called Altstadt in German.
Germany overall had 178.23 million visitor nights in 2017, of which 37.45 million were of foreign guests (21.01 percent). With 94.3 million nights spent in hotels, hostels or clinics, Bavaria has the most visitors. With 18.472 nights per 1.000 inhabitants, Mecklenburg-Vorpommern has the highest density of tourists per population (German median: 5.568 nights per 1.000 people).
The official body for tourism in Germany is the German National Tourist Board (GNTB), represented worldwide by National Tourist Offices in 29 countries. Surveys by the GNTB include perceptions and reasons for holidaying in Germany, which are as follows: culture (75%), outdoors/countryside (59%), cities (59%), cleanliness (47%), security (41%), modernity (36%), good hotels (35%), good gastronomy/cuisine (34%), good accessibility (30%), cosmopolitanism/hospitality (27%), good shopping opportunities (21%), exciting nightlife (17%) and good price/performance ratio (10%) (multiple answers were possible).
About 242 million nights, or two-thirds of all nights spent in hotels in Germany, are spent in spa towns. Germany is well known for health tourism, with many of the numerous spa towns having been established at a hot spring, offering convalescence (German: Kur) or preventive care by means of mineral water and/or other spa treatment. Spa towns and seaside resorts carry official designations such as Mineral and mud spas (Mineral- und Moorbäder), Healthy climate resorts (Heilklimatische Kurorte), Kneipp cure resorts (Kneippkurorte = water therapy resorts), Seaside resorts (Seebäder), Climatic resorts (Luftkurorte), and Recreation resorts (Erholungsorte). The largest and most well known resorts also have casinos, most notably at Bad Wiessee, Baden-Baden (Kurhaus), Wiesbaden (Kurhaus), Aachen, Travemünde and Westerland (Kurhaus).
The most visited tourist regions in Germany are the East Frisian and North Frisian Islands, the Baltic Sea coasts of Holstein, Mecklenburg and Vorpommern, the Rhine Valley, the Bavarian and Black Forest, and the Bavarian Alps.