Health insurance is a requirement for starting a job in Germany
Everyone living in Germany – no matter for how long – must have health insurance. As an expat from non-EU countries, this is also a prerequisite for obtaining a visa and starting to work in Germany.
To make the whole process as smooth as possible for you, Fintiba is cooperating with a premium insurance provider in this field to offer you full protection for your stay in Germany.
Let us provide you with premium health insurance coverage
DAK Gesundheit is one of Germany’s largest and longest established statutory health insurances and has already received several awards for its outstanding service over its long history. On top, DAK-Gesundheit offers numerous extra services that go beyond the legal requirements.
Your benefits when getting your insurance with Fintiba
- Get your insurance when you are still abroad
- Fintiba takes care of the communication with your employer
- All digital in the Fintiba app
- Step by step guidance through the process
- Online portal for authorities and employers to check insurance status
- Access to the Fintiba ecosystem and expat community
- Additional services for the start in Germany (e.g. German language learning offers, current account advice and more)
What you need to know about governmental health insurance
In Germany, everyone who starts to work is legally obligated to obtain health insurance. As an employee, you enjoy special social security protection in Germany, where the employer usually pays half of the employee’s monthly health insurance contributions. These contributions generally depend on the amount of your salary and are shown on all your monthly payslips. In general, health insurance companies charge the same basic rate of 14.6%. On top of that, there is an individual additional contribution to the respective health insurance company which is individually defined by the insurer. Please note that incoming or travel health insurance is not accepted as they don’t contribute to the required long-term nursing care insurance (Pflegepflichtversicherung).
Learn more about DAK-Gesundheit
DAK-Gesundheit is one of the leading insurance companies in Germany which offers statutory health insurance and strives to always be your competent health partner. Individual insurance solutions that are tailored to your needs are the core of DAK-Gesundheit’s service. Regardless of current circumstances or phases of life, DAK-Gesundheit offers service quality that repeatedly sets standards.
Here’s how it works
Register with Fintiba and enter just a few personal details.
We will issue an insurance confirmation which you can use for your visa, residence permit appointment and your employer.
Activate your insurance conveniently via the Fintiba app, receive your health insurance card and enjoy a safe stay in Germany!
Frequently asked questions
The governmental health insurance “DAK-Gesundheit” covers the costs for your treatment with a doctor, dentist or in a hospital. Moreover, it bears the costs for medicines which your doctor prescribes to you.
For more information on the insurance coverage, you can download the info flyer of DAK Gesundheit.
In the following you can find the differences between DAK and other statutory health insurers.
DAK covers many additional services not covered by other health insurance companies, such as:
- Subsidy for professional dental cleaning at the dentist of your choice
- Regular Check-up for insured persons under 35
- HPV vaccination (also for male insured persons)
- Cancer prevention: breast ultrasound
- Dialysis abroad
- Acupuncture above legal standard
- Balneology, Electrotherapy, Hydrotherapy, Neural therapy and Phototherapy
The DAK contribution rate is 16.1 per cent. It is made up of the general contribution rate of 14.6 per cent and the additional contribution of 1.5 per cent. This is different for each health insurance fund. You share both with your employer and thus pay 8.05 per cent of your salary. The sum is deducted directly from your monthly salary payment, so you do not have to transfer the fee separately to the insurer.