ASEIG

Health Insurance

ASEIG health insurance group plan

a unique option for ASEIG members only

Self-employed persons coming to Germany often face the puzzling conundrum that German law requires them to have legally compliant health insurance as a resident in Germany – but then no German insurance provider wants to accept them.

While expats moving from another EU member state at least have the option to join the German public health insurance as a voluntary member (though this is often considered to be quite expensive by some), expats moving to Germany from outside the EU usually do not have that privilege. Which then only leaves German private health insurance as a legally compliant alternative, or one of the very few international health insurance policies that are actually fully compliant under German law.

German private health insurance providers will often not accept applications from self-employed persons moving to Germany because they cannot cancel such an insurance contract if you, as the new client, fail to pay the premiums… while being forced to maintain emergency coverage. That makes them frightened of anyone they consider to be a “credit risk”. And since a newly arrived expat does not have any credit history in Germany, he is a black hole, an uncertainty for Germany insurance providers.

ASEIG has negotiated a unique and truly special health insurance group plan for its members with the HALLESCHE, a leading German health insurance company.  This group plan fullfill all legal requirements in Germany, is fully compliant with the relevant laws and will satisfy every immigration officer working on your VISA.

Learn more about your options for health insurance and what the ASEIG group health insurance plan can offer to you below!

A solution even for expats already settled in Germany!

for those who have chosen expat insurance policies, international insurance policies or wrongly relied on their national health insurance from home

While newly arriving expats face a number of challenges, even those who have already lived in Germany or some time can suddenly find themselves in a rather unpleasant situation in Germany:

  • Those who have used expat insurance policies or international insurance policies (sometimes for lack of other options) will be asked by German private health insurance providers to pay back-charges for the years they have been living in Germany for the use of non-compliant health insurance. And often, while the immigration offices (Ausländeramt) accepted those international or Expat-health insurance in the first year(s) of your residence in Germany, with yet another extension of your VISA coming up they suddenly might demand that you’ll switch to a “real” German insurance plan instead. Which is when you find yourself suddenly faced with back-charges from German health insurance companies
  • Those who relied on continuous coverage from the national health system of their home country (regardless of whether this coverage actually existed or not) also face back-charges because the coverage of such non-German national health systems is not considered legally compliant under German law.  This is true also for EHIC-cards if your stay in Germany exceeds 3 months of duration and/or Germany has become your main residents/center of living.

Anyone who has been resident in Germany without legally compliant health insurance will be retrospectively charged by normal German private health insurance providers for the entire time since they took up residence in Germany. The first six months are charged in full, and after that one sixth of the monthly premium for every following month.

With the ASEIG group plan this situation and the painful back-charges can usually be avoided  while providing fully comprehensive German health insurance that complies with everything the law demands. Learn more about the ASEIG group health insurance plan for self-employed Expats below or contact is directly for info and quotes.

Health insurance options for self-employed expats in Germany

Self-employed expats in Germany have a number of health insurance options when residing in Germany. At the core of this, however, is the absolute legal obligation for every resident in Germany to obtain and hold health insurance that is deemed to be adequate under German law!

German public health insurance

AOK and more...
A self-employed person can join the public health insurance system as a voluntary member, provided he has had public/state/national health insurance in Germany or another EU member state in

  • the past 12 months
  • or at least 24 months total out of the last 5 years

Public health insurance for expats is considered to be rather expensive by some. However, since it covers existing medical conditions and also covers spouse and children (as long as they do not have their own income) for free, it can still be a good option for some.

If you want to know if you are eligible for public health insurance at all and what it may cost you per month, send your details to our designated insurance broker Chambervelt, Rooselain & Cie. and they’ll figure it out for you and answer your questions without charge for ASEIG members.

German private health insurance

Standard plans...
In contrast to virtually every other country in the world, private health insurance in Germany is, if chosen, a full substitute for the public health insurance system. Thus, in the end, you’ll either have public health insurance or private health insurance. (Although there are some optional private add-ons if you have public health insurance.)

Because of that, the decision to go with private health insurance should not be taken lightly and without due deliberation. If you can be in the public health insurance system at all, that is – not everyone coming to Germany is actually in a position to make this choice; some can only choose private health insurance and nothing else.

The problem is that since 2009 a German private health insurance provider cannot terminate a contract with a client even if that client fails to pay his dues. That has led in the past to the situation that German private health insurance providers had more than 150,000 non-paying clients who owed more than EUR 500 million in unpaid premiums. Consequently the German insurance providers are rather timid with regards to accepting new clients in cases where they do not have a proven income history and credit records in Germany.

Still, sometimes it is possible to enter a standard plan with a German private health insurance provider right away as a self-employed person (though only on rather rare occasions). ASEIG’s designated insurance broker Chambervelt, Rooselain & Cie. can check this for you and let you know if you can join such an insurance scheme right away.

And if you are already with a German private health insurance provider and unhappy with it, or with German public insurance and would like to switch, ASEIG’s partner can organize this for you, too.

ASEIG Health insurance group plan

with the HALLESCHE...
Because so many self-employed expats coming to Germany cannot join the German public health insurance system (or find it too expensive) and at the same time find they can’t join normal private health insurance schemes, ASEIG has developed a group plan for its members that allows instant access and is fully compliant with German law. The latter is especially important if you are applying for a visa and need to show proof of adequate health insurance.

This health insurance is compliant to both § 193 Abs 3 VVG and § 257 Abs. 4 SGB and thus an excellent option for any self-employed expat who wants to fully comply with German law.

You can get more information and a quote from ASEIG’s designated insurance broker Chambervelt, Rooselain & Cie.

Globality YouGenio

as a last resort if all else fails...
There are some cases where none of the other three options are really feasible for a self-employed expat coming to reside in Germany – strange as it may sound.

Some expats are not eligible for public health insurance at all, while others cannot afford it. Others cannot get access to German private health insurance for a number of reasons. And some may not even be eligible for the ASEIG group plan. That is the case if your gross income is below certain thresholds or if some medical conditions are too severe to be accepted into a German private health insurance scheme.

In such cases, we can offer access to the international health insurance of Globality in the YouGenio Germany plan. This is a variation of the normal YouGenio plan especially for Germany. It complies with § 193 Abs 3 VVG and issues such statements accordingly, which is important if you are applying for a visa.

Through your ASEIG membership you’ll have preferential access to this health insurance policy and our designated insurance broker, Chambervelt, Rooselain & Cie., will set it up for you and assist you in the future.

Forget all troubles and issues regarding getting the right health insurance for your time of residence and work in Germany…..through your ASEIG membership you have access to great insurance options, some of which are entirely unique and reserved for ASEIG members only.