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Health Insurance

Travelling to Germany

Before you leave Canada, please contact your Canadian health plan to find out what coverage is provided for medical treatment outside of Canada. Even if you are covered outside the country, it is strongly recommended you purchase additional health insurance. The cost of medical treatment abroad can cost much more than your Canadian health plan might pay for. For information on travel health insurance, contact a private insurance company directly.

Moving to Germany

If you plan to move to Germany, you will need to take out German health insurance. In most cases, proof of (German) health insurance is required to obtain a residence permit for Germany. Germany's health system offers two options of health plans:

  • legally binding health insurance (Gesetzliche Krankenkasse)
    These health insurance companies are usually obligatory for employees who earn less than a certain amount per year. They also offer rates for all other residents of Germany.
  • private health insurance (Private Krankenversicherung)
    Employees who have a fixed minimum annual income, freelancers and civil servants often opt for these health insurance companies.

There is a multitude of insurance companies for both types. Depending on your individual situation, you might have to contact several insurers to find the best rate.

Returning to Canada

It is not possible to apply for coverage under a Canadian health plan before you arrive in Canada. It is recommended you contact the medical insurance plan of the province or territory in which you will reside upon your arrival. Often a three-month waiting period applies before coverage begins. You may wish to ensure that you have interim alternate medical insurance for this period. For information on interim insurance, please contact a private insurance company.


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