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!