View previous topic :: View next topic |
Author |
Message |
shantimarthaller
Joined: 17 Aug 2010 Posts: 1
|
Posted: Thu Sep 30, 2010 4:16 pm Post subject: germany (berlin) insurance for freelancer. |
|
|
Hello, So I'm trying to get my German Freelance Visa, and I have done everything I need so far, address, bank, employment letters, except the insurance. I know insurance in Germany in confusing, but I have really been having a hard time finding info on it. I've heard people mention insurance for around 65-75 Euro, that is just super basic, but I haven't been able to find it. so far I've only found stuff from 150-200 that has a hight deductible, that I Prob won't use, so I don't want to pay that much. any help you have is great, thanks.
-Shanti |
|
Back to top |
|
|
JN
Joined: 17 Jan 2008 Posts: 214
|
Posted: Thu Sep 30, 2010 7:40 pm Post subject: |
|
|
I'm not a freelancer, so I don't know if this helps, but I am with Techniker Krankenkasse. |
|
Back to top |
|
|
Hod
Joined: 28 Apr 2003 Posts: 1613 Location: Home
|
Posted: Sat Oct 02, 2010 8:17 am Post subject: |
|
|
Techniker Krankenkasse is a possibility but would be expensive for a freelancer.
As said above, proof of insurance (from a Germany-approved company) is required when applying for a visa. It�s best to ask a broker, which won�t cost any more than if you get insurance independently. Google a la carte spectrum Germany. |
|
Back to top |
|
|
renovatio
Joined: 21 Mar 2010 Posts: 24
|
Posted: Sat Oct 02, 2010 8:32 am Post subject: |
|
|
Use DKV, go to their website and call one of their reps in your area, and tell them (this is VERY important) that you're not a permanent resident, and that you will leave in one year (you don't have to). If you tell them this and you are below the age of 60 they will give you insurance for 79 euro a month. If you don't tell them that you are not a permanent resident and don't plan to be then they will try to slap with the requirements that a resident in Germany would need which is around 200 euro a month for a male. The 79 is for a male and if you're a female it's 111 euro.
Ask for the AS2 plan when you call your rep. Tell them you are not a permanent resident, and tell them you need the AS2 plan and that's all. The AS2 is what I have. I'll report back with my full experience in Germany so far as soon as I have my work permit in my hand which I'm still waiting on. Good luck. |
|
Back to top |
|
|
Minny
Joined: 20 Jun 2009 Posts: 29
|
Posted: Tue Dec 21, 2010 12:19 pm Post subject: |
|
|
care-concept are the cheapest take the expat care you can buy it over their website. |
|
Back to top |
|
|
Minny
Joined: 20 Jun 2009 Posts: 29
|
Posted: Tue Dec 21, 2010 12:21 pm Post subject: |
|
|
oh and the proof is a paragraph over absatz 11. just ask for it seperately for your visa they get the question a lot so they know what they are doing. KDV were useless getting this letter out to my friend he ended up changing to care-concept. |
|
Back to top |
|
|
artemisia
Joined: 04 Nov 2008 Posts: 875 Location: the world
|
Posted: Tue Dec 21, 2010 10:18 pm Post subject: |
|
|
I didn't like DKV either but then most insurance companies are not that wonderful.
OP: you might also want to consider getting personal liability insurance (Haftpflichtversicherung), as in Germany you can be potentially sued for damage done in the public arena. I didn't find this out for some time but when I did I got it. I'm vague on the details of policies I had or the company name now but I used one company to get this and another insurance that covered property damage (not household goods insurance) to the physical building for which you will also be held legally responsible. I can't remember now if both came under Haftpflichtversicherung or not. I recall having two different insurances with the same company to cover personal liability and property damage but they were cheap - unlike health insurance.
This website will give you more info and there might be other posters with more up to date information than me.
http://www.toytowngermany.com/wiki/German_insurances |
|
Back to top |
|
|
|